Taking the faff out of finance

We started multifi because we believed SMEs deserved better. Better pricing. Better speed. Better transparency. And a lender that actually understands how businesses work.

We believe finance should be simple, fair, and built around your business, not ours.

Too many SMEs are held back by lenders who bury costs, move slowly, and make the process harder than it needs to be. We built multifi to prove there’s a better way, revolving credit with transparent pricing, fast decisions, and zero hidden fees.

Since launching in 2023, we’ve helped UK businesses access the working capital they need to grow, manage cashflow, and seize opportunities, without the faff.

Excellent

4+ Stars on Google & Trustpilot

£40m+

Since 2023

10m+

Payment transactions

FCA

Distributor of regulated partner

What drives us every day

Easy & accessible

We remove barriers. Our products are designed to be understood by anyone, applied for by anyone, and managed without a finance degree. If it's confusing, we haven't done our job.

Up front and transparent

What you see is what you pay. No hidden fees, no jargon, no small print gotchas. We'd rather lose a sale than mislead a customer. Transparency isn't a feature, it's how we operate.

Supportive

We're in your corner. Whether you're approved or declined, we'll help you understand why, what your options are, and what you can do next. We treat every business as a conversation, not a transaction.

Distributor of authorised FCA Institution

We are an Electronic Money Institution distributor, which is authorised and regulated by the Financial Conduct Authority for the issuance of electronic money and payment services.

All funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 

Building the future of SME finance

FCA AI Sandbox

Selected for the FCA's Supercharged AI Sandbox programme, developing AI-powered credit decisioning that's faster and fairer.

Open Banking

Integrated with FCA-regulated Open Banking providers for secure, instant financial data, removing the need for manual bank statements.

Product expansion

Planning expanded product suite from 2026-2027

The multifi leadership team

Founded by a team with over a decade of experience in SME lending, we’ve built our product around what growing businesses actually need: fast decisions (typically within 24 hours), transparent pricing, and the ability to borrow, repay, and reuse funds without reapplying.

Rob Keown-Boyd

Rob Keown-Boyd is multifi’s co-founder and CEO. Rob oversees the overall strategy, operations and resources of the Group, bringing valuable expertise in managing finance and technology businesses.

Harvey Nijjar

Harvey Nijjar serves as our CFO and director. With his extensive finance and risk management background, Harvey effectively manages our Group’s financial aspects while providing strategic direction.

Chris Burt

Chris Burt, our Chief Technology Officer and director, co-founded Pay4 alongside Rob in 2013. With many years of experience building and operating critical software systems, Chris is the driving force behind our technology and software development.

Mark Blandford

Mark Blandford is one of the founders and chairman of our company. As the founder of the first online UK bookmaker, Sportingbet PLC, he has rich experience in growing technology businesses.

Kris Makuch

Kris Makuch is our Director of Marketing & Communications. With over 20 years of experience in digital, design, and marketing across various industries, Kris brings a data-focused skill set to the team.

Petr Hojny

Petr Hojny is a strategic partnerships leader with 15+ years’ experience across fintech, embedded finance, corporate banking and payments. He has worked in both high-growth scaleups and established financial institutions, building partner ecosystems that drive sustainable growth.

We're real people. Talk to us.

Whether you’re a business owner, broker, or just curious, we’d love to hear from you.

Call us

020 8432 9929
Monday – Friday, 9am – 5:30pm

Email us

support@multifi.co.uk
Drop us a message

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