365 FUNDING LTD

Executive Summary

365 Funding Ltd operates as a micro-entity within the specialist consumer credit granting sector, demonstrating strong asset growth and liquidity improvements over five years. While it remains a niche player with limited scale, recent investments suggest a strategic focus on operational capacity enhancement amid an evolving regulatory and competitive landscape. To capitalize on sector trends, the company must continue managing credit risk effectively and scaling its market presence against larger competitors.

365 FUNDING LTD - Analysis Report

Company Number: 12460138

Analysis Date: 2025-07-29 19:28 UTC

1. Industry Classification
   365 Funding Ltd operates within SIC code 64921, which classifies it in the sector of "Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors." This sector is characterized by companies providing consumer credit and financing solutions without taking deposits, relying on specialized lending models such as instalment credit, hire purchase, or personal loans. Firms in this niche often face regulatory scrutiny from the FCA (Financial Conduct Authority) and operate in a competitive environment that balances risk assessment with consumer affordability.

2. Relative Performance
   As a micro-entity, 365 Funding Ltd’s financials reflect a small but rapidly growing operation. Over the past five years, the company’s net assets rose from £181 in 2020 to £218,100 in 2025, indicating expansion and capital accumulation. The fixed assets increased significantly in the latest year (£93,558 in 2025 from £2,537 in 2024), suggesting recent investment in operational capacity or technology. Net current assets also grew substantially to £196,907 in 2025, highlighting improved liquidity. Compared to typical micro-entities in the specialist consumer credit niche, which often operate with lean balance sheets, this growth trajectory is strong and indicates effective capital management and potential market traction. However, the company remains small relative to mid-sized or large finance houses in the sector, which may have multi-million-pound balance sheets and more extensive credit portfolios.

3. Sector Trends Impact
   The specialist consumer credit industry in the UK is influenced by several key trends: increased digitalisation of credit assessment and lending processes, tightening regulatory frameworks aimed at responsible lending, and growing consumer demand for flexible, short-term financing solutions. Additionally, macroeconomic factors such as inflationary pressures and rising interest rates impact consumer credit risk profiles and demand. 365 Funding Ltd’s growth in assets and liquidity suggests it is positioning itself to leverage digital or operational efficiencies, but it must remain vigilant regarding regulatory compliance and risk management to thrive. The sector also faces competition from fintech disruptors and established banks expanding into niche consumer credit products.

4. Competitive Positioning
   365 Funding Ltd appears to be a niche player focused on specific consumer credit products rather than a market leader. Its micro-entity status and limited employee base (average 2 employees) highlight a lean operational model, which can be advantageous for agility and cost control but may limit scale and market reach. The significant increase in fixed assets in the latest year may signal investment in IT infrastructure or lending platforms, potentially enhancing competitive capabilities. Nevertheless, compared to larger non-deposit taking finance houses, 365 Funding Ltd has limited capital resources and market presence. Its strength lies in its focused and controlled growth, but it faces challenges in building brand recognition and competing with larger, better-capitalized rivals. The company’s sole controlling stakeholder, Mr. Wayne Bell, indicates centralized decision-making, which can enable swift strategy shifts but may also limit diversity of expertise.