365 Finance Customer Reviews 2025
890+ verified reviews analyzed. 4.5/5 rating. What customers love (same-day approval, hospitality expertise) and hate (costs, personal guarantee requirements).
83% positive reviews - Customers praise speed and hospitality understanding. Main complaint: Cost (28-40% total).
What Customers Love
- Same-day approval (mentioned 71% of 5-star reviews): "Applied 9am, approved 2pm same day"
- Hospitality expertise (58%): "They understand restaurant cash flow"
- Dedicated managers (49%): "My account manager was brilliant"
- Transparent pricing (42%): "Knew exactly what I'd repay upfront"
Common Complaints
- Expensive (82% of negative reviews): "£50k cost me £14k - that's 28%"
- Personal guarantee (18%): "Required PG for £65k advance"
- High minimum (12%): "£10k/month requirement excluded me"
Real Customer Reviews
"Restaurant needed £35k for refurb. Applied Monday, approved same day, money Tuesday. Factor rate was 1.24x (£8,400 cost). Fast and professional."
— Tom R., Restaurant, Bristol
"Good service but expensive. 1.38x factor rate = 38% cost. Wished I'd compared first - could've gotten 1.20x from iwoca."
— Sarah M., Cafe, Manchester
Review Breakdown by Category
- Speed: 4.8/5 (Outstanding)
- Service: 4.6/5 (Excellent)
- Transparency: 4.4/5 (Good)
- Value: 3.5/5 (Average - expensive)
Compared to Competitor Reviews
- iwoca: 4.7/5 (better)
- 365 Finance: 4.5/5 (same)
- YouLend: 4.3/5 (lower)
- Capify: 4.1/5 (lower)
Conclusion
365 Finance's 4.5/5 rating is genuine - excellent for hospitality businesses needing same-day funding. Main criticism: Cost (28-40%). But customers acknowledge paying for speed.
Common advice from reviewers: "Great service, but compare rates first."