Finance Products

Eight commercial finance structures for UK businesses. Compare your options — or speak to our team for a recommendation tailored to your asset and cash flow position.

Hire Purchase

Hire Purchase (HP) allows your business to acquire essential assets while spreading the cost over an agreed term. Once all payments are made, your business takes full ownership of the asset.

Finance Lease

A Finance Lease gives you full use of an asset without the burden of ownership. The lender buys the asset and rents it to you for an agreed primary period.

An Operating Lease is essentially a long-term rental agreement. You only pay for the value of the asset you use over the term, not the full capital cost. It's ideal for high-value assets that you want to upgrade regularly.

Sale & Leaseback

If your business already owns unencumbered assets, a Sale & Leaseback arrangement allows you to sell those assets to a lender for a cash injection, while immediately leasing them back so your operations are not disrupted.

Asset Refinance

Asset refinancing involves replacing an existing finance agreement with a new one, typically to secure a better interest rate, extend the repayment term to lower monthly outgoings, or consolidate multiple agreements into one.

Business Loans

Compare secured and unsecured business loan options from a panel of specialist UK lenders. 365AF helps limited companies and established businesses access funding for cash flow, growth, stock, tax bills, equipment and more.

Merchant Cash Advance

A Merchant Cash Advance advances a lump sum against future card sales. You repay a small percentage of each day's card takings — so repayments flex with your turnover.

Invoice Finance

Invoice Finance unlocks the cash tied up in unpaid invoices, advancing up to 85–90% of each invoice's value within 24 hours of raising it.