365 Finance says it can make a decision on a complete small-business finance application within three hours. That is a decision-time claim—not a promise of approval or of money arriving in an applicant’s account within three hours.
What 365 Finance announced
Trade publications reported the three-hour decision time on 1 October 2026. The claim applies to complete applications, according to The Intermediary and Mortgage Solutions. Neither report establishes that every application will be decided in that time.
Business Money describes 365 Finance’s product as a merchant cash advance, also known as a business cash advance: a business receives funding and repays it from future card sales. The lender says it serves sole traders and SMEs directly and works with more than 100 commercial finance brokers, according to Business Money.
How the lender says its review process works
365 Finance says more than half of its credit decisions are fully automated. Other applications receive light-touch review, while cases that need more judgment can receive additional attention from underwriters. The lender says at least two underwriters review each application. These figures are claims reported in coverage of the announcement, not independently audited performance statistics.
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Anthony Or, 365 Finance’s head of underwriting, said: “While we can automate and streamline decision-making around very standard cases, we can simultaneously dedicate more time and expertise to more complex applications, ensuring we support SMEs with a wide range of circumstances and needs.” He also said: “Crucially, speed can never come at the expense of rigour.”
How a decision differs from funding
A decision within three hours does not mean an application is approved, that an applicant meets the lender’s eligibility rules, or that funds arrive within the same period. Business Money reports same-day funding of up to £500,000, but the coverage does not set out the conditions for a particular business or establish that every approved applicant can receive that amount or access funds on the same day.
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365 Finance’s official website describes its product as revenue-based finance: a business receives a lump sum and repays a percentage of future card sales, so repayments vary with card transactions. The site says funding can arrive in as little as 24 hours. That is a separate lender claim from the three-hour decision time; neither statement alone determines the timing or terms available to an individual applicant.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What businesses should check before applying
The announcement and cited coverage do not provide enough detail to assess the cost or contract terms of an offer. Before deciding whether this type of finance fits, ask the lender or broker for the written terms and check:
- the total amount repayable and all fees;
- how the repayment percentage is calculated and collected;
- what happens to repayment amounts if card sales rise or fall;
- eligibility rules and any application documents needed to make the application complete;
- the expected time from application to decision and, separately, from approval to funds reaching the business account.
The official site describes potential uses including cash flow, growth, hiring, and buying stock or equipment. That describes the lender’s intended use cases; it is not a recommendation that borrowing is suitable for every business.
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