A revolving credit facility from £5,000 to £350,000 for established UK businesses. From 1.99% per month, with zero platform fees, zero setup fees, and zero early repayment penalties.
✓ 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. 3-6 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 paying suppliers ahead of receiving customer payments, this is the gap that makes the difference.
When you make your first draw, you choose your repayment schedule: 3, 4, 5, or 6 months. Most customers choose 6 months, which keeps monthly payments manageable as your business generates revenue from the funds. Your chosen schedule applies to all repayments throughout your facility, so choose what works best for your cashflow from the start.
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
Repay ahead of schedule at no extra cost
Adjust the sliders to compare your total cost with multifi versus a typical competitor with hidden fees.
Representative example: £50,000 credit facility at 2.49% per month. 6 monthly instalments starting 60 days from funding period opening. Average monthly repayment: £9,267. Total amount repayable: £55,602. 34.7% APR representative.
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 between 3-6 months.
Representative example: £50,000 credit facility at 2.49% per month. 6 monthly instalments starting 60 days from funding period opening. Average monthly repayment: £9,267. Total amount repayable: £55,602. 34.7% APR representative.
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 between 3-6 months.
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. Or upload statements manually.
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.
No credit check. No commitment. Just a quick, honest eligibility check that takes 60 seconds.
