365 Business Finance vs Time Finance: Which UK Business Finance Provider in 2026?
365 Business Finance edges this matchup in our 2026 UK panel review, scoring 4.1 of 5 against Time Finance on 4.0. 365 Business Finance runs merchant cash advance at £10k to £500k on factor rate 1.10 to 1.40; Time Finance runs asset finance, invoice finance, vehicle finance at £10k to £2m on bespoke. That said, the right answer depends on ticket size, trading history and sector. Time Finance beats 365 Business Finance for mid-ticket ltds combining asset finance, invoice finance and vehicle under one lender. Read the side-by-side, then jump to the "when X wins" sections for the buyer-fit logic.
Side-by-side
| 365 Business Finance | Time Finance | |
|---|---|---|
| Product type | Merchant cash advance | Asset finance, invoice finance, vehicle finance |
| Ticket range | £10k to £500k | £10k to £2m |
| Typical rate | Factor rate 1.10 to 1.40 | Bespoke |
| Decision time | 24 to 48 hours | 2 to 5 business days |
| Soft search at quote | Yes | Yes |
| Ltd-only? | No | No |
| FCA regulated | Yes | Yes |
| Best for | Hospitality, retail and ecommerce Ltds with £20k+ monthly card flow; £25k+ MCA tickets where the applicant wants a direct lender; Ltd directors who refuse personal guarantees | Mid-ticket Ltds combining asset finance, invoice finance and vehicle under one lender; Transport, manufacturing and hospitality SIC codes; £25k to £500k asset-backed Ltds wanting a faster route than Aldermore |
| Overall rating | 4.1 / 5 | 4.0 / 5 |
| Last reviewed | 2026-05-10 | 2026-05-10 |
When 365 Business Finance wins
- Direct lender, so the rate the applicant sees is the rate they get with no broker mark-up layered on top.
- PG-free options on some cases, which we use to unblock Ltd directors who refuse personal guarantees.
- Daily or weekly repayment cadence we can match to the applicant cash-flow profile.
- Case-by-case acceptance on missed payments and small CCJs where mainstream term lenders auto-decline.
Best for
Hospitality, retail and ecommerce Ltds with £20k+ monthly card flow, £25k+ MCA tickets where the applicant wants a direct lender, Ltd directors who refuse personal guarantees.
Watch outs
- Sub-£10k tickets are not entertained, so we route smaller asks to iwoca or Capify instead.
- MCA only with no term-loan alternative, so applicants who want fixed monthly payments go to Funding Circle, Allica or Aldermore.
- Factor-rate model means we have to translate to APR for the applicant in the matcher result.
When Time Finance wins
- Multiple complementary product lines under one roof, so we can route a single file across asset, invoice and vehicle without re-introducing.
- Sector specialism in transport, manufacturing and hospitality, which the matcher uses on SIC-led routing.
- AIM-listed transparency on filings, useful for applicants who want a public-market institutional view.
- Faster than Aldermore or Shawbrook on bespoke asset deals, often inside 5 business days.
Best for
Mid-ticket Ltds combining asset finance, invoice finance and vehicle under one lender, Transport, manufacturing and hospitality SIC codes, £25k to £500k asset-backed Ltds wanting a faster route than Aldermore.
Watch outs
- Broker-distributed for most product flow, so the FundBiz introduction is the route rather than self-serve.
- Pricing varies materially by deal, so the matcher cannot quote a tight rate before the conversation.
- Smaller brand presence than Aldermore or Shawbrook, applicants who want the bigger name route there.
FAQ
365 Business Finance or Time Finance: which is the better UK business finance provider in 2026?
365 Business Finance scores higher overall in our 2026 UK panel review at 4.1 of 5 versus 4.0 for Time Finance. That said, the right answer depends on what your file looks like. 365 Business Finance is the stronger pick for hospitality, retail and ecommerce ltds with £20k+ monthly card flow, while Time Finance is the stronger pick for mid-ticket ltds combining asset finance, invoice finance and vehicle under one lender. If your file sits in one of those buckets, ignore the headline rating and pick the right fit.
What does each product look like, 365 Business Finance vs Time Finance?
365 Business Finance offers merchant cash advance between £10k to £500k at factor rate 1.10 to 1.40, with a 24 to 48 hours decision window. Time Finance offers asset finance, invoice finance, vehicle finance between £10k to £2m at bespoke, with a 2 to 5 business days decision window. 365 Business Finance uses a soft search at quote. Time Finance uses a soft search at quote. Verify live commercials before signing because lender pricing moves and bespoke rates are common above £100k tickets.
Which is weakest for what?
365 Business Finance is the wrong answer for sub-£10k tickets, route to iwoca or capify. Time Finance is the wrong answer for sub-£10k self-serve tickets, route to iwoca or capify. If either of those describes your file, look at the side-by-side table for the alternative route, or run the eligibility checker and the matcher will surface the right shortlist from the FundBiz specialty panel.
Can FundBiz help me choose between 365 Business Finance and Time Finance?
Yes. We are independent of either lender. The FundBiz specialty panel covers MCA, asset finance, commercial mortgage, bridging, VAT loan, R&D advance and post-decline routes. Tell us ticket size, trading history, sector and any prior declines. We match you against the panel lenders most likely to approve, and if your file needs a post-decline route we surface that explicitly rather than burning credit-file footprint with repeated mainstream applications.
Am I eligible to apply via FundBiz?
FundBiz works with limited companies, LLPs and partnerships of 4 or more partners. Sole traders and partnerships under 4 partners are out of scope and routed elsewhere. Both 365 Business Finance and Time Finance sit on our panel for the entity types we serve. Trading history requirements vary by lender, so the matcher pre-screens before sending the file across.
Related comparisons
Other UK specialty finance head-to-heads involving 365 Business Finance or Time Finance:
Check eligibility in two minutes
Tell us ticket size, trading history and sector. We match you against the FundBiz specialty panel: MCA, asset finance, commercial mortgage, bridging, VAT loan, R&D advance and post-decline routes. Limited companies, LLPs and partnerships of 4+.
Check eligibility →Reviewed by Oliver Mackman, Director. Last reviewed: 2026-05-10. Editorial by Best Business Loans Ltd (16833937).