Business Credit,
in the open.

See the whole cost,
not just the rate.

Flexi Credit spreads over twelve months, with no arrangement fee and interest only on what you draw. Put any lender’s rate and fee beside ours, and see what you would actually repay.

Draw, repay, reload without reapplying. £10,000 to £350,000, a decision typically same day.

Could Flexi Credit be right for your business?

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A low rate with a big fee can cost more than a higher rate with none.

A low rate with a big fee can cost more than a higher rate with none. Lenders don’t make it easy: a monthly rate here, a factor rate there, an APR further down, and the arrangement fee usually surfaces last.
What settles it is the total you repay, once the fee and the way interest is charged are both in.
Our calculator shows that number in the open, beside whatever else you’re weighing up.

Zero

Hidden Costs

Three steps. No surprises. No faff.

Unlike traditional loans, Flexi Credit revolves. Use it, repay it, use it again – without a new application each time.

     EXCELLENT

As seen in

Excellent

4+ Stars on Google & Trustpilot

£40m+

Since 2023

10m+

Payment transactions

FCA

Distributor of regulated partner

Under 24 hours

For 85% of applicants

One rate. What you see is what you pay.

We believe you deserve to know exactly what your business credit costs. No surprises, no small print.

Credit facility amount

50,000

✎ Click amount to edit

£10,000£350,000

Monthly interest rate — your actual rate is set at application

Capital repayment period — number of 30-day periods

Already been quoted elsewhere? (Optional)

If you have a loan quote with a monthly rate, enter their terms to personalise the Loan comparison tab below. The MCA comparison tab runs on industry benchmark factor rates and needs no input from you.

Their monthly interest rate (%)

For loan and revolving credit quotes with a monthly rate. Have a factor rate instead? Factor rates are an MCA concept and don't convert to a monthly rate — use the MCA comparison tab to the right.

Arrangement / facility fee (£)

Their upfront fee in £. multifi charges £0. Leave blank if they charge none.

Based on your selections — multifi Flexi Credit

—

/period

Average repayment across the 12 repayment periods · after the 60-day interest-only start

Interest-only periods (days 1–60)

—

/period · no capital repayment

Total interest payable

—

£0 in fees or charges

Total repayable

—

capital + interest only

Total capital repayments

—

Equal to your
drawn amount

Total interest — multifi

—

Amortising rate
zero fees on top

Overall total — multifi

—

At 1.99%/month · 6-period repayment

multifi APR (representative)

—

Amortising rate
Interest only on outstanding balance

Flat-rate APR (illustrative)

—

Same headline rate, original
balance charged every period

multifi saving vs flat-rate loan

—

Compares multifi's amortising method against a flat-rate loan at the same headline rate. Enter a competitor's monthly rate in the optional section above to personalise this. APR figures are indicative, calculated via Newton-Raphson on the full cashflow schedule.

MCAs quote a factor rate — but because it ignores time, it understates the real cost. Converting to APR on a like-for-like basis shows the true comparison. Select a typical MCA payback period:

MCA payback period — MCAs typically repay in 6–12 months

multifi APR (representative)

—

Amortising rate
12 repayment periods + 60-day interest-only start
Same figure as Loan tab — methods reconcile

Comparable MCA — APR equivalent

—

Market average reference — 1.26 factor (industry benchmark)

6 months

—

9 months

—

12 months

—

Source: The UK Merchant Cash Advance Market: Pricing Dynamics, Provider Landscape and Factor Rate Analysis 2024–25 (multifi, 2025). The 1.26 figure is the market average identified in the report and is not altered here.

Why APR varies with repayment speed: The same factor rate produces a much higher APR when repaid quickly. A 1.26 advance repaid in 6 months is ~126% APR; over 12 months it falls to ~56% APR. Fast repayment — not the factor — is what makes MCAs expensive. Source: multifi MCA Market Report 2024–25. This comparison is a financial promotion and requires compliance sign-off before public use.

How other SME products typically work

Many business finance products calculate interest differently to multifi. Two things worth asking any lender:

Interest method: Is interest charged on your outstanding balance (as it falls with each repayment), or on the original amount throughout? Flat-rate products charge on the original, so the effective rate is higher than it looks.

Arrangement or facility fee: Many products add 1–3% of the facility upfront. On a £50,000 facility, a 2% fee is £1,000 before interest begins.

The illustration below uses 3.5% per month flat-rate and a 2% arrangement fee as a generic market example — not a quote from any specific lender. Enter a real competitor's figures above for an accurate comparison.

Illustrative market figures. Flat-rate method and typical arrangement fee range (1–3%) based on publicly available UK SME lending product data. This is a general illustration only — not a comparison with any named lender. Always obtain a written quote. All comparisons subject to sign-off under FCA financial promotion rules.

Payment schedule

Days 1–60: interest only period

multifi interest reduces as balance falls

Event	Balance	Capital repayment	multifi interest

✓ £0 setup fee

✓ £0 platform fee

✓ £0 service fee

✓ £0 non-utilisation fee

✓ £0 early repayment penalty

Early repayment available from 90 days after a drawdown (effective 27 June 2026 terms).

Try Flexi Credit Today Illustrative purposes only — financial promotion. multifi charges interest on the outstanding balance after each capital repayment (amortising method). The competitor column applies the rate you enter on the original facility amount every period (flat-rate method), plus any arrangement fee you specify — enter the competitor's actual terms for a fair comparison. A 60-day interest-only grace period is included in both schedules, matching multifi's published Flexi Credit structure. Representative APR figures are calculated from the full cashflow schedule (Newton-Raphson) and are indicative only; actual APR depends on exact draw and repayment dates. MCA factor rate comparison uses a market average of 1.26, sourced from The UK Merchant Cash Advance Market: Pricing Dynamics, Provider Landscape and Factor Rate Analysis 2024–2025 (multifi, 2025). Savings shown are based on total amount repayable and will vary with the inputs entered. multifi charges no arrangement, platform, service, non-utilisation, or early repayment fees. Your actual rate is determined following a full credit assessment; not all businesses will qualify.

Set the amount and your rate band. You’ll see the average monthly repayment and the full total you’d pay back, with nothing waiting underneath.

Representative example: based on borrowing £50,000 over 12 months at a representative rate of 2.99% per month, charged on the reducing drawn balance, with no arrangement, service or other fees. Total amount repayable £61,213. Representative APR 43.5%. Your rate is risk-based, from 1.99% per month, set after a full assessment; not all applicants will qualify.

Calculator methodology available here.

Flexi Credit is built for established UK businesses

We’re transparent about who we can help, and honest when we’re not the right fit.

You're a great fit if...

✓ Annual revenue of £120,000+
✓ 1+ years trading history
✓ UK Limited Company or LLP
✓ Manufacturing, retail, distribution, professional services, e-commerce, or transport
✓ Need £10,000 – £350,000

You might qualify if...

→ Annual revenue at £120,000
→ Take card payments
→ Strong growth trajectory
→ Clear use case for funds
→ Good personal credit history

We're probably not right if...

✗ Under £120,000 annual revenue
✗ Less than 1 years trading
✗ Sole trader or startup
✗ Personal loan requirement
✗ Sectors we can't currently serve

Your bank data stays safe. We just take a quick, read-only look.

Instead of asking you to dig out months of bank statements, we use Open Banking, a secure, FCA-regulated way to view your recent transactions. It helps us make faster, fairer decisions.

Read-only access

We can never move money, make payments, or change anything on your account.

Your bank protects you

The connection is secured by your bank and regulated by the FCA. It's the same technology used by High Street Banks and HMRC.

Takes 90 seconds

No paperwork. No scanning. No posting. Just log in to your bank and approve the read-only connection.

Built for the businesses that keep the UK running

We understand the cashflow challenges specific to your industry, because we’ve helped hundreds of businesses just like yours.

Manufacturing

Fund raw materials, manage supply chain gaps, and invest in equipment without waiting for invoice payments.

Retail & Wholesale

Stock up for peak seasons, bridge supplier payment terms, and keep shelves full when cash flow dips.

Distribution & Logistics

Cover fleet costs, fuel, and seasonal demand spikes with flexible working capital.

Professional Services

Bridge project start-up costs, manage payroll gaps, and invest in growth between client payments.

E-commerce

Fund inventory for peak sales periods, invest in marketing campaigns, and manage marketplace payment delays.

Transport

Cover vehicle replacement, unexpected breakdown costs, and fuel float between contracts. Keep your fleet operational without waiting for your next job to clear.

Say YES to more clients.
Earn beyond the first deal.

Flexi Credit’s higher approval rates and zero platform fees make pricing easier to place.
But the real difference? Our Reload model turns a single placement into a longer-term relationship.

Traditional lending pays once.
Flexi Credit earns as clients grow.

Initial Placement

Client draws capital

Client Repays

Balance reduces over time

Reload available

Quick account check-up

Ongoing earning potential

Revenue grows as client grows

Real businesses. Real results.

Hear from SME owners who’ve used multifi to grow, in their own words.

Play

No jargon. Just straight answers.

We believe finance should be simple to understand. If something’s still unclear, call us, we’re real people.

What is multifi Flexi Credit?

multifi Flexi Credit is an unsecured revolving credit facility for established UK limited companies. Businesses can draw between £10,000 and £350,000, repay it in fixed monthly instalments, and reload the facility without reapplying once the outstanding balance falls to 66% or below of their credit limit. Interest starts from 1.99% per month and is charged only on funds drawn — not on the full facility limit. There are zero setup fees, zero platform fees, and zero early repayment penalties.

Who is eligible for a multifi Flexi Credit facility?

To be eligible for multifi Flexi Credit, a business must be a UK registered limited company (Ltd or PLC) with at least 12 months of trading history and a minimum annual turnover of £120,000. The business must have a UK-based bank account with Open Banking enabled. At least one director must be a UK resident aged 18 or over and willing to provide a personal guarantee. Sole traders and partnerships are not eligible.

How quickly can I get a decision on a multifi application?

multifi makes credit decisions typically within 24 hours using Open Banking data. For facilities under £100,000, no documents are required — the Open Banking connection to your business bank account is the primary assessment tool. An indicative credit limit is available in 60 seconds via a soft search that does not affect your credit score.

Ready to see if Flexi Credit is right for you?

No credit check. No commitment. Just a quick, honest eligibility check that takes 60 seconds.