Head to head
365 Business Finance vs Liberis: Which UK Business Finance Provider in 2026?
Side by side: what each lender offers UK limited companies and LLPs, and what each one publishes.
Free · 2 mins
Start here · What do you need?
What 365 Business Finance offers: merchant cash advance (revenue-based finance). Ticket range: £10k to £500k (its own figure). Rate: one fixed cost, repaid as a percentage of card sales (quoted per offer). What Liberis offers: revenue-based finance (merchant cash advance style) and pay-over-time funding for SMEs. Ticket range: £1k to £1m (its own figure). Rate: one fixed fee, repaid as a percentage of sales (quoted per offer). 365 Business Finance suits hospitality, retail and ecommerce Ltds trading 6+ months with £10k+ monthly card sales (365's published minimum). Liberis suits existing Worldpay, Barclaycard, Klarna or Dojo users with strong card flow. The table below compares ticket range, typical rate and decision time.
Source: FundBiz methodology. Editorial by Best Business Loans Ltd (16833937).
365 Business Finance, at a glance
- Product
- Merchant cash advance (revenue-based finance)
- FundBiz editorial view
- Best for hospitality, retail and ecommerce Ltds trading 6+ months with £10k+ monthly card sales (365's published minimum)
Liberis, at a glance
- Product
- Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMEs
- FundBiz editorial view
- Best for existing Worldpay, Barclaycard, Klarna or Dojo users with strong card flow
Side-by-side
Full profiles: 365 Business Finance · Liberis
| Compared on | 365 Business Finance | Liberis |
|---|---|---|
| Product type | Merchant cash advance (revenue-based finance) | Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMEs |
| Ticket range | £10k to £500k (its own figure) | £1k to £1m (its own figure) |
| Typical rate | One fixed cost, repaid as a percentage of card sales (quoted per offer) | One fixed fee, repaid as a percentage of sales (quoted per offer) |
| Decision time | Funds in as little as 24 hours (its own figure) | Funds in as little as 24 hours (its own figure) |
| Lender's own soft search at quote | Yes, says the lender | Not published |
Sources: 365 Business Finance's own site · Liberis's own site. Figures change; confirm with the lender before you rely on one.
FundBiz enquiries are for limited companies, LLPs and partnerships with four or more partners. Some lenders on this page also accept other business types; we do not arrange those and do not recommend a lender on that basis.
When 365 Business Finance may fit
- Direct lender, so the rate the applicant sees is the rate they get with no intermediary mark-up layered on top.
- No credit check for a provisional quote, according to 365's own FAQ; a credit check follows once an application is approved.
- Repayments are a percentage of card sales, so they fall in quieter months.
- Case-by-case acceptance on missed payments and small CCJs where mainstream term lenders auto-decline.
Best for
Hospitality, retail and ecommerce Ltds trading 6+ months with £10k+ monthly card sales (365's published minimum), £25k+ MCA tickets where the applicant wants a direct lender, Ltd directors who refuse personal guarantees.
Watch outs
- 365 advances start at £10,000, so smaller asks may suit iwoca instead.
- MCA only with no term-loan alternative, so borrowers who want fixed monthly payments may prefer Funding Circle, Allica or Aldermore.
- A fixed-cost model with no APR makes the true cost harder to compare with a loan.
Lender figures and criteria: 365 Business Finance's own site; full notes in our 365 Business Finance review.
When Liberis may fit
- Strong embedded distribution, so applicants on Worldpay, Klarna or Dojo often arrive pre-approved.
- Repayments scale with sales, which can suit businesses that can't service a fixed monthly burden.
- Operates in several countries through its partners, which can suit ecommerce Ltds selling cross-border.
- Funds in as little as 24 hours, by Liberis's own account.
Best for
Existing Worldpay, Barclaycard, Klarna or Dojo users with strong card flow, Ecommerce Ltds wanting embedded-finance journeys, Applicants with pre-approved offers visible inside their partner platform.
Watch outs
- Much of its distribution runs through partners, so applicants without a partner relationship may get a slower route.
- A fixed fee rather than an APR carries the same opacity as other MCA products, so work out the effective cost before signing.
- Offers are often tied to a partner platform, so non-partner businesses may suit 365 Business Finance or YouLend better.
Lender figures and criteria: Liberis's own site; full notes in our Liberis review.
FAQ
365 Business Finance or Liberis: which is the better UK business finance provider in 2026?
Neither is better for every business. The 'When 365 Business Finance may fit' and 'When Liberis may fit' sections above say who each one suits, and the side-by-side table shows what each lender publishes. Check each lender's own criteria before you apply.
Which is weakest for what?
365 Business Finance is a poor fit for sub-£10k tickets, consider iwoca. Liberis is a poor fit for applicants without a partner-platform relationship, consider Capify or 365 Business Finance. If either of those describes your business, look at the side-by-side table for the alternative, or read our other lender reviews.
Can FundBiz help with 365 Business Finance or Liberis?
FundBiz is not a lender and is independent of both. This comparison and our lender reviews are editorial research to help you decide which to approach. FundBiz doesn't pass your enquiry to either lender. If you send an enquiry through FundBiz, we pass it to one of the finance partners we work with, who will contact you about your options.
Who can send an enquiry through FundBiz?
The FundBiz enquiry form is for limited companies, LLPs and partnerships with four or more partners. Eligibility for 365 Business Finance and Liberis is set by each lender, and trading history requirements vary, so check each lender's own criteria.
How we ranked these lenders
Every lender is scored on the same four FundBiz criteria: pricing transparency, eligibility clarity, decision speed and treatment of declined applicants. Scores are our own desk-research assessment built from the FCA Register, Companies House filings and each lender's published product sheets, not customer reviews and not hands-on product testing. Each comparison shows the date it was last updated. Inclusion is never paid for, and FundBiz receives no commission from lenders. FundBiz is paid a fixed fee by one of the finance partners we work with for each enquiry we pass on. See our full methodology.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. It's free and there's no obligation. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman. Last updated: . Editorial by Best Business Loans Ltd (16833937).