365 Business Finance vs Liberis: Which UK Business Loan Provider in 2026?
365 Business Finance edges this matchup in our 2026 UK review, scoring 4.1 of 5 against Liberis on 4.0. 365 Business Finance runs a merchant cash advance at Factor rate 1.10 to 1.40 with decisions in 24 to 48 hours; Liberis runs a merchant cash advance and bnpl for smbs at Factor rate 1.10 to 1.40. That said, the headline rating is not the whole answer: Liberis beats 365 Business Finance for existing partner-platform users (worldpay, sage, klarna). Read the side-by-side, then jump to the "when X wins" sections for the buyer-fit logic.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 26 April 2026
Side-by-side
| 365 Business Finance | Liberis | |
|---|---|---|
| Product type | Merchant cash advance | Merchant cash advance and BNPL for SMBs |
| Founded | 2011 | 2007 |
| Ticket range | £10k to £500k | £1k to £1m |
| Typical rate | Factor rate 1.10 to 1.40 | Factor rate 1.10 to 1.40 |
| Decision time | 24 to 48 hours | Same day to 48 hours |
| Soft search at quote | Yes | Yes |
| Limited companies only | No | No |
| FCA regulated | Yes | Yes |
| Companies House | 07475281 | Not published |
| Best for | Hospitality, retail, e-commerce; £25k+ tickets; PG-averse Ltd directors | Existing partner-platform users (Worldpay, Sage, Klarna); Strong card flow; Embedded-finance journeys |
| Overall rating | 4.1 / 5 | 4.0 / 5 |
| Trustpilot | 4.6/5 (5,500 reviews) | 4.4/5 (1,800 reviews) |
| Last reviewed | 2026-04-26 | 2026-04-26 |
When 365 Business Finance wins
- Direct lender; no broker fee added.
- No PG available for some applicants (rare in MCA).
- Daily or weekly repayment options.
- Strong reputation in trade press.
Best for
Hospitality, retail, e-commerce, £25k+ tickets, PG-averse Ltd directors.
Watch outs
- Factor-rate model same opacity issue as Capify.
- Cash-advance only; no term loan option.
- Below £10k tickets not entertained.
When Liberis wins
- Strong embedded distribution; the application is often pre-approved.
- Repayments scale with sales.
- Multiple-currency operations supported.
Best for
Existing partner-platform users (Worldpay, Sage, Klarna), Strong card flow, Embedded-finance journeys.
Watch outs
- Distribution is via partners, not direct.
- Effective APR on factor rates same opacity as other MCA.
- Eligibility tied to the partner platform.
FAQ
365 Business Finance or Liberis: which is the better UK business loan in 2026?
365 Business Finance scores higher overall in our 2026 review at 4.1 of 5 versus 4.0 for Liberis. That said, the right answer depends on what you trade and what you need. 365 Business Finance is the stronger pick for hospitality, retail, e-commerce, while Liberis is the stronger pick for existing partner-platform users (worldpay, sage, klarna). If your business sits inside one of those use cases, ignore the headline rating and pick for fit.
What rates and ticket bands do 365 Business Finance and Liberis offer?
365 Business Finance runs a merchant cash advance with tickets of £10k to £500k at Factor rate 1.10 to 1.40. Liberis runs a merchant cash advance and bnpl for smbs with tickets of £1k to £1m at Factor rate 1.10 to 1.40. Decision time on 365 Business Finance is 24 to 48 hours; on Liberis it is same day to 48 hours. Headline rates rarely match the offered rate, so verify on the lender site before committing, and assume bespoke pricing above £100k where the data allows it.
Eligibility: 365 Business Finance vs Liberis, who qualifies?
365 Business Finance is soft-search at quote stage (no credit-file footprint) and accepts sole traders and partnerships as well as Ltd companies. Liberis is soft-search at quote and accepts sole traders and partnerships as well as Ltd companies. 365 Business Finance is FCA regulated; Liberis is FCA regulated.
Which is the wrong answer for what?
365 Business Finance is the wrong answer for sub-£10k. Liberis is the wrong answer for direct retail without the partner relationship. If either of those describes your business, look at the side-by-side table for the alternative, or get a quote from our UK lender panel and we will surface the right shortlist.
Can BestBusinessLoans help me choose between 365 Business Finance and Liberis?
Yes. Our reviews are editorial; we run a UK lender panel via our /get-quotes/ form that includes both. Tell us monthly turnover, sector and what you need the money for. We match you against the lenders most likely to approve and beat your current cost, then route the application without affecting your credit file at quote stage.
Related
Get matched in two minutes
Tell us monthly turnover and what you need the money for. We match you against a UK lender panel most likely to approve and price competitively. Soft search at quote stage, no impact on your credit file.
Get quotes →Reviewed by Oliver Mackman, Director. Last reviewed: 2026-04-26. Editorial by Best Business Loans Ltd (16833937).