365 Finance for Businesses

We are partnered with 365 Finance, a trusted provider of merchant cash advances.

Are you a small or medium-sized business in the UK seeking financial support to boost your growth? Look no further. We understand the unique challenges businesses face, and our innovative approach to funding is designed with you in mind.

Get a FREE Quote

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Borrow from £10,000 to £400,000

Get approved in 24 hours (approximately)

Fixed Fee with No Interest

With a 90% approval rate, with our partner, getting that much-needed cash injection is easier than you think. Get additional funds in your account in a matter of days.

How 365 Finance Works

Say goodbye to the constraints of traditional loans. With merchant cash advances through us, your repayments align seamlessly with your business’s cash flow. 

It’s simple:

  • There are no fixed monthly payments
  • Repay through a set percentage of credit or debit card sales

So, when your sales dip, your repayments naturally decrease, providing unmatched flexibility for businesses with fluctuating monthly revenues.

No more worrying about keeping up with monthly repayments. Our approach is tailored to match the rhythm of your success.

Apply for a Merchant Cash Advance Now

Applying for funding has never been easier. Our streamlined application process requires business owners to fill out a form detailing two things:

  • Cash flow
  • Purpose of the loan

Once submitted, you’ll be assigned a dedicated relationship manager to guide you through any questions. Expect a decision within as little as 24 hours, with funds deposited into your account within days.

Meet 365 Finance

365 Finance is a trusted financial provider offering merchant cash advances, a dynamic solution for businesses in need of quick, flexible funding. Through our partnership, you can choose from unsecured business funding options, borrowing up to £300,000 without the burden of fixed repayments, terms, or APR.

Benefits of Business Finance with Apt Payment and 365 Finance

  • High Approval Rate: With a remarkable 90% approval rate for cash advance applications, you stand a great chance of securing the funding your business needs.
  • Tailored Eligibility: We require businesses to have a trading history of at least 6 months and a monthly credit or debit card transaction volume of £10,000. This ensures our funding is directed towards businesses poised for growth.
  • Personalised Support: Every business is unique, and so is our approach. Your dedicated relationship manager will provide support throughout the process, ensuring a smooth and efficient experience.
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Saman Hassan profile picture
Saman Hassan
6 June 2026
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I managed to secure funding for my business through Mohammed on monthly repayment terms and the service was excellent from start to finish. Mohammed was professional, responsive and genuinely helpful throughout the whole process. He took the time to understand what I needed, kept me informed at every stage and made everything feel straightforward and stress free. What impressed me most was how approachable and committed he was. Nothing seemed too much trouble and he always came back to me promptly whenever I had a question. It is refreshing to deal with someone who combines professionalism with a genuinely caring approach. I am very grateful for his support and would not hesitate to recommend him to anyone looking for business finance. Thank you, Mohammed, for all your help. It was a pleasure working with you.
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Anita Kaur
26 May 2026
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I’m a small business owner and needed funds to grow the company. And with divine intervention, I came across Mohammad who saved the day! He was calm, reassuring and extremely helpful and knowledgeable. Mohammad was highly professional and put me at ease straight away. Made the whole process simple and straightforward which I really appreciated. Within those few hours of our initial conversation, Mohammad managed to secure me a loan extremely quickly. I can’t thank him enough for his dedication and will 100% be returning to him in the future. Thank you Mohammad! ⭐️
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JJ_n_TY Chitiyo
22 May 2026
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Was recently recommended to Mohammad by a friend for a business loan and the experience was excellent. Very quick responses, efficient service and everything moved much faster than expected. He managed to arrange multiple offers which gave me a choice to pick the best fit for my business needs. The whole process felt straightforward and hassle-free. Reliable service and definitely someone I’d recommend to others. Regards, GOLDEN SQUARE HEALTHCARE LIMITED
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Brenda Chikosha
25 April 2026
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My first time using their service. Mohammed has been great in getting a business loan for us when no one else could. We’re so grateful. Very quick process. Will use him again 🙏.
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Caphas Chisangowerota
22 April 2026
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Big thanks to AptPay and Mohammad for helping us secure funding for our care home. We were struggling with delayed council payments while needing to pay staff on time. After trying many lenders without success, they stepped in and delivered quickly. We ended up taking a short-term loan, which actually worked perfectly for our needs. Great service, fast response, and very understanding of real business challenges.
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MUHAMMAD ZAMAN WARRAICH
17 April 2026
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My business is based in Dublin, Ireland, and Mohammad helped me secure a business loan from London. The whole process was smooth and easier than I expected. He took the time to understand my situation, explained everything clearly, and kept me updated throughout. I always felt like I knew what was going on, which made a big difference. Thanks to his support, I was able to get the funding I needed and keep my business moving forward. I’d definitely recommend him to anyone looking for reliable help with business finance.
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Robin Sharma profile picture
Robin Sharma
14 April 2026
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We run Avatar Group Ltd, managing restaurants and hotels in Shrewsbury, and like any business, there have been moments where the right support really mattered. Mohammad came through for us at exactly the right time. He helped arrange £300K in funding, and honestly, that gave us the push and stability we needed to keep things moving forward. What stood out was how easy he was to deal with — no complications, no pressure, just clear communication and someone who actually understood what we needed. We’re genuinely thankful for his support. It made a real difference to us and the business.
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isaac ogundiran
10 April 2026
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I run a wholesale business based in Glasgow, regularly buying stock in bulk from overseas, so cash flow is always key. I was introduced to Mohammad through a friend’s recommendation, and I’m really glad I reached out. He acted quickly and made the whole process smooth and straightforward. What stood out most is that he’s available 7 days a week it genuinely feels like he’s working alongside me, his customer service s is top notch 👌 Really appreciate the support. He helped me secure the business loan I needed without stress. Highly recommended.
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Rebwar profile picture
Rebwar
24 March 2026
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Needed funding. Mohammad delivered. Business advance secured. Excellent service. Highly recommended.
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Our Eligibility Criteria

To qualify for a merchant cash advance:

  • To qualify, businesses need a trading history of at least 6 months and a minimum monthly credit or debit card transaction volume of £10,000. This ensures that our funding is directed towards established businesses ready to take the next step.

Types of Funding On Offer

With our partner, we exclusively offer merchant cash advances, a strategic funding solution designed to empower businesses by adapting to their cash flow dynamics. This unique approach sets us apart, providing the financial flexibility your business deserves.

We are not just financial providers; we’re your partners in growth.

Unlock new possibilities, navigate challenges, and elevate your business to new heights with our tailored funding solutions.

Meeting to set up Business Bank Account

Alternative Business Funding

We have partnered with a number of other financial providers to give you a range of business financing options to choose from. Explore: