A revolving credit facility from £10,000 to £350,000 for established UK businesses. From 1.99% per month, with zero platform fees and zero setup fees.
✓ Soft credit check · ✓ Decision typically within 24 hours
Flexi Credit revolves in three stages. Use it, repay it, reload it, without reapplying each time.
Once approved, you have 30 days to draw from your facility. Take what you need, from £1,000 to your full limit. Multiple draws are allowed to your bank account or third-party payees.
Repayments start 60 days from the opening of your funding period. 12 equal monthly repayments. Interest decreases as your balance reduces.
Reloads are available once your outstanding balance is at or below 2/3 of your credit limit. After a quick account check-up, a fresh 30-day funding period begins.
Your first capital repayment doesn’t begin until 60 days from the start of your funding period. For businesses that pay suppliers before receiving customer payments, this is the gap that makes the difference. Repay over 12 months starting 60 days after your funding period opens.
Other lenders bury costs in platform fees, service charges, and early repayment penalties. We don’t.
Risk-based: reflects your business strength. Accrues daily on outstanding balance only. Calculated on the 1st, collected on the 8th.
Amortising interest: each repayment reduces your balance, so each month’s interest charge decreases. You pay less over time, not more.
£0 Platform fee
Some providers charge a monthly access fee
£0 Setup / origination fee
No upfront costs, ever
£0 Service fee
No monthly maintenance charges
£0 Non-utilisation fee
No penalty for not drawing your full limit
£0 Early repayment penalty
Early repayment available from 90 days after a drawdown.
Adjust the sliders to compare your total cost with multifi versus a typical competitor with hidden fees.
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.
Your actual rate depends on your business’s financial strength – most of our customers qualify for our best rates.
Competitor costs are illustrative examples combining common fees across alternative SME finance models. Total interest charged by multifi based on funds drawn on the 8th of the base month. All figures are estimates and should not be taken as a quote. Actual repayments depend on the chosen schedule of 6 or 9 thirty-day periods.
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.
Your actual rate depends on your business’s financial strength – most of our customers qualify for our best rates.
Competitor costs are illustrative examples combining common fees across alternative SME finance models. Total interest charged by multifi based on funds drawn on the 8th of the base month. All figures are estimates and should not be taken as a quote. Actual repayments depend on the chosen schedule of 6 or 9 thirty-day periods.
We understand the cashflow challenges specific to your industry, because we’ve helped hundreds of businesses just like yours.
Buy materials or stock in bulk at better prices, or prepare for seasonal peaks without stretching cash reserves.
Cover the gap between paying suppliers and receiving customer payments, especially on 30, 60, or 90-day terms.
Fund new equipment, machinery upgrades, or technology investment without a long-term loan commitment.
Take on that bigger contract, expand into new markets, or invest in marketing when the opportunity arises.
Manage payroll, rent, and overheads during quieter periods or while scaling your team.
Pay overseas suppliers in their currency, manage FX timing, and smooth international payment cycles.
No paperwork marathons. No branch visits. Just a straightforward digital process.
Answer a few quick questions online. Soft credit check only, won't affect your score.
Securely link your business bank account for a read-only view.
Our credit team reviews your application. For 85% of businesses, a decision comes within 24 hours.
Review your facility agreement, set up Direct Debit, and provide your personal guarantee digitally.
Access your credit via the multifi platform. Draw to your bank account or pay suppliers directly.
Know exactly what to expect. No surprises, no hidden detail.
Once your outstanding balance falls to 66% or below of your approved credit limit, your facility automatically becomes eligible to reload. This means you can access funds again without submitting a new application, providing new documents, or going through a new credit assessment. A quick account review takes place and a fresh 30-day drawing window opens. The reload feature is designed to make Flexi Credit a permanent working capital tool rather than a one-off loan.
Interest on multifi Flexi Credit starts from 1.99% per month and is charged only on funds you have drawn — not on your full credit limit. There are zero setup fees, zero platform fees, zero draw fees, and zero early repayment penalties. The only cost is the monthly interest on the amount you have outstanding.
Flexi Credit repayment terms are 12 months per draw, and fixed for that funding period. In some cases we may offer 6 mohts, but this is based on eligibility. Repayments are equal monthly instalments collected on the 8th of each month. Your first capital repayment is not due until 60 days after your funding period opens, giving you time to put the funds to work before repayments begin.
No credit check. No commitment. Just a quick, honest eligibility check that takes 60 seconds.
