Side-by-side comparison
| Feature | multifi Flexi Credit | Fleximize FlexiLoan |
|---|---|---|
| Product type | Revolving credit facility | Flexible business loan / revolving |
| Credit limits | £10,000 – £350,000 | £10,000 – £500,000 |
| Minimum interest rate | From 1.99% per month | From 0.9% to 2.9% per month |
| Interest charged on | Drawn funds only | Outstanding balance |
| Arrangement fee | £0 | £0 (advertised) |
| Platform fee | £0 | Not disclosed |
| Draw fees | £0 | Not disclosed |
| Early repayment fee | £0 | £0 (advertised) |
| Repayment term | 6–9 months per draw | 1–48 months |
| First repayment | Not due for 60 days | Monthly from draw |
| Decision speed | Typically within 24 hours | 24–48 hours |
| Reload / top-up | Automatic at 66% repaid — no reapplication | Top-up available (subject to review) |
| Rewards programme | No | Yes — Fleximize Rewards |
| Min. trading history | 12 months | 12+ months |
| Entity type | UK limited companies only | Limited companies and some partnerships |
| Security required | Personal guarantee only | Personal guarantee (may require debenture for larger amounts) |
| Open Banking decisioning | Yes — primary tool, no docs under £100k | Open Banking used alongside other data |
| FCA regulated | Yes — via Modulr FS Ltd, FRN 900573 | Yes — FCA authorised |
Key differences explained
Repayment terms
Fleximize's FlexiLoan offers repayment terms from 1 to 48 months — significantly more flexible than multifi's 6–9 month terms per draw. For businesses needing longer repayment windows or larger facilities amortised over a longer period, Fleximize's extended terms may be advantageous. multifi's shorter terms mean faster repayment cycles but also faster reload eligibility.
Interest rate range
Fleximize advertises a rate range of 0.9% to 2.9% per month — the lower end of this range is below multifi's 1.99% starting rate. However, the rate any individual business receives depends on its specific credit profile. The rate advertised is the minimum possible rate, not the rate most customers pay. We recommend getting a quote from both lenders to compare the actual rate offered for your circumstances.
Fleximize Rewards
Fleximize offers a rewards programme for customers, which can include cashback, vouchers, and partner benefits. multifi does not operate a rewards programme. If loyalty benefits are important to your business, this is worth factoring into the comparison.
Reload vs top-up
multifi's revolving facility reloads automatically when the outstanding balance falls to 66% or below of the credit limit — no new application, no documents, no review process in most cases. Fleximize offers top-up loans to existing customers, which typically involves a review. For businesses that anticipate repeated use of a revolving facility, multifi's automatic reload may offer a smoother experience.
The 60-day grace period
multifi's first capital repayment is not due until 60 days after the funding period opens. This is a structural feature that gives businesses time to deploy funds and generate revenue before repayments begin. Fleximize's repayments typically begin monthly from the point of draw.
Representative example — multifi Flexi Credit
Which product is right for your business?
Choose multifi Flexi Credit if:
- You want a revolving facility that reloads automatically without reapplying
- Zero fees with no hidden costs is a priority
- You want a 60-day grace period before first repayment
- Your business is a UK limited company with £120,000+ turnover
- You want to complement existing asset finance or term loans with a working capital tool
Consider Fleximize FlexiLoan if:
- You need a longer repayment term — up to 48 months
- You need a facility above £350,000 (up to £500,000)
- You value a rewards and loyalty programme
- Your business is a partnership rather than a limited company
- You want a more customised loan structure
The bottom line
multifi and Fleximize serve broadly similar business profiles but differ in structure. Fleximize offers longer terms, a wider credit ceiling, and a rewards programme. multifi offers an automatic revolving reload, a 60-day grace period, and a simpler zero-fee structure. For businesses that want a working capital facility they can draw from repeatedly without friction, multifi's automatic reload is a meaningful differentiator. For businesses needing longer-term structured finance, Fleximize's extended repayment terms may suit better.
Frequently asked questions
What is the difference between multifi Flexi Credit and Fleximize FlexiLoan?
multifi is a revolving credit facility from £10,000–£350,000 with zero fees and automatic reload at 66% repaid. Fleximize's FlexiLoan offers £10,000–£500,000 with terms up to 48 months and a rewards programme. multifi's first repayment is not due for 60 days; Fleximize repayments typically begin monthly from draw.
Does Fleximize charge arrangement fees?
Fleximize advertises zero arrangement fees on its FlexiLoan. multifi charges zero setup fees, zero platform fees, zero draw fees, and zero early repayment fees. Verify current Fleximize terms directly at fleximize.com.
Can I reload my credit facility with Fleximize without reapplying?
Fleximize offers top-up loans subject to review. multifi's reload is automatic — when your balance falls to 66% or below of your limit, the facility reloads without a new application, new documents, or a new credit assessment.