365 Finance says it can decide a complete SME finance application within three hours. That is a decision-time claim—not a guarantee of approval or of money arriving in an applicant’s account within three hours. Trade coverage separately reports same-day funding of up to £500,000, subject to the lender’s assessment and terms.
What the three-hour decision claim means
Coverage published on 1 October 2026 says the three-hour turnaround applies to complete applications. It does not establish how long an application takes if information is missing, nor does it promise that every applicant will qualify. [The Intermediary] and [Mortgage Solutions] reported the timing.
A credit decision is also separate from the transfer of funds. Business Money reported that 365 Finance offers same-day funding of up to £500,000, but that claim does not mean every approved applicant will receive funds on the same day. The coverage does not set out the conditions or timing for an individual case. [Business Money]
How 365 Finance says it handles applications
According to the announcement coverage, more than half of 365 Finance’s credit decisions are fully automated, while a further proportion receive light-touch review. The lender says this approach leaves underwriters more time for cases that need closer judgment. It also says at least two underwriters review each application. These are reported claims by the lender, not independently audited performance statistics. [The Intermediary] and [Business Money]
#1 Best Overall
Anthony Or, 365 Finance’s head of underwriting, said: “Crucially, speed can never come at the expense of rigour.” He also described automation and streamlined reviews for standard cases alongside more time and expertise for complex applications. [The Intermediary]
What kind of finance does 365 Finance offer?
365 Finance’s website describes its product as revenue-based finance: a business receives a lump sum and repays a percentage of future card sales. Repayments therefore vary with card transactions. The lender markets this funding for purposes including cash flow, growth, hiring, and buying stock or equipment. Those are the lender’s product descriptions, not a recommendation that the finance will suit every business. [365 Finance]
Rank #2
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Business Money describes the product as a merchant cash advance, also known as a business cash advance, and reports that the lender works with more than 100 commercial finance brokers as well as directly with sole traders and SMEs. [Business Money]
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What businesses should check before applying
The announcement coverage does not give detailed eligibility rules, fees, APR or equivalent pricing, total repayment, or contract terms. Before accepting an offer, a business should establish the full amount repayable and how the repayment percentage applies to its card sales, as well as any fees and other conditions. The available information is not enough to compare the offer’s cost or suitability with other funding.
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Repair Windows errors before they cause bigger problemsFix Now →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →365 Finance’s website says funding can arrive in as little as 24 hours, while the announcement coverage concerns the time to a decision and separately reports same-day funding. These are distinct timing claims; the website does not specify the conditions for an individual applicant or explain how every funding scenario fits together. [365 Finance]
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Rank #4
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