Access up to £350,000 revolving credit and spread business payments over six months.
Access up to £350,000 revolving credit and spread business payments over six months.
£0
0%
per 30 days on used credit£0
Figures shown are for illustration purposes, based on utilising your full credit limit for an initial payment.
As you make repayments, credit becomes available again - that's the benefit of our revolving credit facility.
Actual repayments will be calculated per individual credit transaction
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Buy now and pay later with decreasing interest fees.
Just like an overdraft but smarter.
Use credit to make payments and pay back over six months.
Use credit to make international payments with highly competitive foreign exchange rates.
multifi provides unsecured credit, meaning that accounts are setup without collateral risk.
Find the best financial solution for your business needs
Feature | multifi |
---|---|
Credit Limits | Fast Access Up to £350,000 |
Set Up Fees | Best Value Zero |
Monthly Fee | 0.3%-0.5% of credit limit Transparent fixed monthly fee based on your credit limit, with no hidden charges |
Interest Rate | 2.49%-3.49% per 30 days on used funds Only pay interest on what you actually use, giving you complete flexibility and control over your costs |
Draw Fee | No Fees Not applicable |
Security | Flexible Unsecured |
Loan Type | Most Flexible Revolving Repay and re-use your credit limit without needing to reapply |
Personal Guarantee | Required |
Repayment Options | Equal repayments with early payback option Structured repayments help with budgeting while maintaining flexibility |
Early Repayment Fee | No Fees No early repayment fees |
Repayment Frequency | Monthly |
Capify | Fleximize | Funding Circle | HSBC | Iwoca | Lloyds Bank | Starling | Santander |
---|---|---|---|---|---|---|---|
£5,000 to £500,000 | £5,000 to £500,000 | £5,000 to £100,000 (unsecured) £100,000 to £250,000 (secured) |
£1,000 to £25,000 (small) £25,001 to £300,000 (commercial) Up to £25M (large) |
£1,000 to £1,000,000 | £1,000 to £50,000 | £25,001 to £250,000 | Not specified |
3% origination fee £449-£849 admin fee |
No set-up fees | 1.5% to 6% |
Free for small business 1.5% for commercial |
Free for 12-month loans | Not specified | No fees | Not specified |
£2.50 per day | No monthly fees | No monthly fees | Not specified | Not specified | Not specified | Not specified | Not specified |
From 10.99% p.a. | From 0.9% per month | 10.64% to 31.85% APR | 8.6% to 11.3% APR | 2% to 6% per month | Not specified | Fixed monthly repayments | 7.99% - 24.99% APR |
Not applicable | Not applicable | Average 1.6% | Not applicable | Not applicable | Not applicable | Not applicable | Not applicable |
Unsecured | Unsecured & secured options | Unsecured & secured options | Security may be required | Unsecured | Not specified | Not specified | Unsecured |
Term loan & merchant cash advance | Term loan | Term loan & line of credit | Term loan | Term loan & line of credit | Term loan | Term loan | Term loan |
Required | Required | Required | Not specified | Required | Not specified | Not specified | Not specified |
Not specified | Not specified | Defer first repayment; repayment holidays | Not specified | Not specified | Repayment holidays | Not specified | Not specified |
Not specified | No early repayment fees | No prepayment penalties | One month and 28 days interest | No early repayment fees | Up to 58 days' interest | Not specified | Not specified |
Daily or weekly | Not specified | Not specified | Monthly | Weekly or monthly | Monthly | Monthly | Not specified |
This table provides a general overview and may not capture all the details of each provider. Information is subject to change and was accurate at the time of publication.
Apply for flexible credit limits from £5k to £350k and access up to 15% of your last 12 months’ turnover.
Whether expanding your operations, managing cashflow, or seizing new opportunities, multifi provides the financial support you need to thrive.
Join the hundreds of businesses empowering their growth journey today.
Our user-friendly online platform simplifies the business finance application process.
multifi’s unsecured credit does not require collateral.
We aim to complete applications within 72 hours of receiving company details.
multifi credit limits can be used alongside existing finance solutions.
multifi provides unsecured credit, meaning that accounts are setup without collateral risk.
Access up to £350,000 in revolving credit. This flexible credit line replenishes as you repay, allowing continuous access to funds without reapplying. Ideal for managing cashflow efficiently, ensuring you have financial support whenever needed.
Unlock up to £350,000 in pre-approved credit with multifi. No need to draw funds immediately—your credit waits on standby, ensuring you’re ready for any financial necessity without the hassle of reapplying. Effortless, efficient, and ready when you are.
Payments made to your payees are typically paid within the same working day
Our foreign exchange rates are incredibly competitive and flexible when making international payment.
Spread business payments over six months with decreasing interest fees. For every payment made from the Credit Account, six monthly, equal repayments are auto-calculated and taken from your multifi Current Account. Repayments are based on the current balance of outstanding Credit which means interest fees decrease each month.
With multifi, you benefit from a fixed monthly fee ranging from 0.3% to 0.5% on your credit limit, plus 2.49% to 3.49% interest on used funds every 30 days. Our transparent pricing means no surprises, making budgeting straightforward and predictable for your business.
Instantly access preapproved credit not related to your sales. We don’t ask for invoices and remove the admin of invoice finance.
Learn how we’ve empowered businesses like yours.