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INTRODUCING YOU TO MULTIFI REVOLVING CREDIT

Credit that reloads.
Interest only.
No hidden fees.

NerdWallet is introducing its customers to Flexi Credit, a revolving credit facility from £5k to £350k, provided by multifi. From 1.99% per month. No platform fees, no setup fees, no early repayment penalties.

See your credit limit in 60 seconds
See how much you could save

✓ Won’t affect your credit score  ·  ✓ Decision typically within 24 hours

multifi Eligibility Check

Check Your Eligibility

See if you qualify for flexible business finance in under 60 seconds

Question 1 of 7
Pay your supplier today. Your first capital repayment isn’t for 60 days.

That’s often enough time to sell the stock, receive payment from your customers, and repay from revenue, not from reserves.

60

days to first repayment

HOW FLEXI CREDIT WORKS

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.

Draw

Access your credit facility during your 30-day funding period. Draw multiple times up to your full limit.

Repay

Repay capital in equal monthly instalments, starting 60 days from your funding period opening. Interest payments based only on what you've drawn that decrease as your balance reduces.

Reload

Reloads are available when your balance is below 2/3 of your limit. No need to reapply. Just a quick account check-up and you're ready to draw again.

  • Interest accrues daily on the outstanding balance; collected monthly.
  • Interest amounts decrease with each repayment.
  • Reload subject to a check-up by the credit team.
See what it would cost your business →

Excellent

4+ Stars on Google & Trustpilot

£40m+

Since 2023

10m+

Payment transactions

FCA

Distributor of regulated partner

Under 24 hours

For 85% of applicants

COST CALCULATOR

See exactly what you pay

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.

 
Credit facility amount
£50,000
£5,000£350,000
Repayment: 6 months Rate: 2.49%/mo
With multifi
£5,603
Interest only
Setup fee£0
Monthly fee£0
Early repayment£0
Typical competitor
£9,300
Interest + hidden fees
Setup fee~£1,500
Monthly fee~£300/mo
Early repayment~£1,000
Your estimated saving with multifi
£3,697
over 6 months
Check my rate now →

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.

 
TRANSPARENT COMPARISON

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.

Funding Type
Interest Rate
Monthly Fee
Setup Fee
Early Repayment
Hidden Fees
multifi Flexi Credit RECOMMENDED
1.99–4.99%
✓ £0
✓ £0
✓ £0
ZERO
Typical Merchant Cash Advance
Factor-based
Built into rate
Included in factor
Usually no cost reduction
Often multiple
Typical Online Revolving Lender
Variable
Platform/service fee
Arrangement fee
Settlement fee applies
May apply
Typical Term Loan
APR-based
None
Completion fee
Interest to term may apply
Sometimes

Comparison based on publicly available pricing as of February 2026. Competitor rates and fees may vary. Please verify current terms directly.

AM I ELIGIBLE?

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 £50,000+
✓ 1+ years trading history
✓ UK Limited Company or LLP
✓ Manufacturing, retail, distribution, professional services, e-commerce, or transport
✓ Need £5,000 – £350,000

You might qualify if...

→ Annual revenue at £50,000
→ Take card payments
→ Strong growth trajectory
→ Clear use case for funds
→ Good personal credit history

We're probably not right if...

✗ Under £50,000 annual revenue
✗ Less than 1 years trading
✗ Sole trader or startup
✗ Personal loan requirement
✗ Sectors we can't currently serve

Check eligibility in 60 seconds
OPEN BANKING EXPLAINED

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 Monzo, Starling, and HMRC.

Takes 90 seconds

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

SECTORS WE SERVE

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.

CUSTOMER STORIES

Real businesses. Real results.

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

Ready to see if Flexi Credit works for you? Check eligibility →
COMMON QUESTIONS

No jargon. Just straight answers.

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

Think of it as a pot of money your business can dip into when needed. You’re given a credit limit (£5,000–£350,000), you draw what you need during your 30-day window, repay monthly, and when your balance drops to under two-thirds of your limit, you can reload after a quick account check-up. Interest only, no additional fees.

A traditional loan gives you a lump sum that you repay over a fixed term. Flexi Credit revolves: you use it, repay it, and use it again. You only pay interest on what you draw, not on your total limit. And there are no setup fees, platform fees, or early repayment penalties.

Reload means your available credit reopens within the same facility once your outstanding balance falls below two-thirds of your credit limit. It’s not a new loan or a top-up, it’s your existing facility becoming available again. All reloads are subject to a quick account check-up by our credit team.

No. Our initial eligibility check is a soft search that won’t appear on your credit file or affect your score. A hard credit check only happens later if you choose to proceed with a full application.

Open Banking is an FCA-regulated, read-only connection to your business bank account. It lets us view your recent transactions to make faster, fairer lending decisions. We can never move money, make payments, or change anything. It uses 256-bit encryption, the same security your bank uses. If you’d prefer, you can upload bank statements manually instead.

For most applications, we make a decision within 24 hours. Once approved and agreements are signed, funds are typically in your account the same day or next business day.

multifi Eligibility Check

Check Your Eligibility

See if you qualify for flexible business finance in under 60 seconds

Question 1 of 7

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Kactus Technologies Limited (“Kactus”) is the owner and developer of the multfi platform. Kactus provides support services to both our valued customers and lending partners.

multifi is the brand name under which Kactus operates.

Kactus Technologies Limited is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see this link.’

Disclaimer: Investment Advice

multifi provides financial solutions and credit services to empower businesses. However, we do not offer specific investment advice. Any information provided on this website, in our publications, or by our representatives is for general informational purposes only and should not be considered investment advice. Investment decisions should consider your unique financial situation, goals, and risk tolerance. You should consult with a qualified financial advisor or investment professional before making any investment decisions. multifi is not responsible for any actions taken by individuals or businesses based on the information provided on our platform. We do not endorse or recommend any specific investment products. While we strive to provide accurate and up-to-date information, we make no warranties or representations regarding the accuracy or completeness of the information provided on our website. Using our services, you acknowledge that you have read and understood this disclaimer and agree to consult a qualified professional for investment advice tailored to your specific needs and circumstances. 

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Taking the faff out of finance. Flexible business credit with transparent pricing for established UK SMEs.

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