Empowering partners with flexible, competitive finance.
Become a multifi partner and unlock access to cutting-edge business finance products and lucrative referral fees that reward your success.
Empowering partners with flexible, automated, and competitive finance.
Become a multifi partner and unlock access to cutting-edge business finance products and lucrative referral fees that reward your success.
Fixed rates | Fast payments | No faff
Fixed rates
Fast payments
No faff
Straightforward Credit Limits for Your Clients
Credit up to £350,000
Clear & Fixed Fees
15% of Turnover
Quick and Easy Business Finance Applications
Our user-friendly online platform simplifies the business finance application process for brokers and introducers.
Check Eligibility
Receive Credit Offer
Offer and Acceptance
How Businesses Qualify for unsecured Credit
multifi’s Unsecured Credit does not require collateral or Personal Guarantees and instead asks customers to agree to the below requirements.
Open Banking
Current Account
Indemnity
Multiple benefits for brokers and introducers seeking simple business finance for their clients.
Fast credit checks
Quick onboarding
Unique product
Automated payments
Transparent commission
In partnership with…
Representative commission example for introducers
Customer fees:
Customer credit limit: £100,000
(monthly fee 0.3%-0.5%)
Credit used: £70,000
(1.99%-2.49% interest per 30 days)
Introducer Commission:
Upfront: £500
(0.5% of credit limit),
Trail over twelve months: £1,644
(8% of all fees taken)
Trail over 36 months :
£4,932*
Total broker introducer commission over customer lifespan:
£5,376
*Based on an average customer lifespan of three years
Fee structure
Up to £40,000
For businesses trading under two years with under £250k annual turnover.Limits from £5k
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Monthly Platform Fee: 0.5% of credit limit
-
Company Trading Period: Between 1 - 2 years
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Annual Turnover: Between £50k - £250k
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Negative Net Tangible Assets Considered
-
CCJs: None outstanding
Up to £350,000
For businesses trading over two years with over £250k annual turnover.Limits from £5k
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Monthly Platform Fee: 0.3% of credit limit
-
Company Trading Period: Over 2 years
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Annual Turnover: Over £250k
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Positive Net Tangible Assets Required
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CCJs: None outstanding
Typical Credit Limits
Eligible businesses can access up to 15% of their last twelve months turnover.-
Annual Turnover: £50,000 = Credit Limit: £7,500
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Annual Turnover: £200,000 = Credit Limit: £30,000
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Annual Turnover: £500,000 = Credit Limit: £75,000
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Annual Turnover: £1,000,000 = Credit Limit: £150,000
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Annual Turnover: £1,500,000 = Credit Limit: £225,000
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Annual Turnover: £2,000,000 = Credit Limit: £300,000
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Annual Turnover: £2,500,000 = Credit Limit: £350,000
Referrer Commission
Receive commission
Taking the Faff out of Finance
multifi is committed to being a partner in the success of British businesses, offering innovative and flexible financial solutions designed to meet the unique needs of SMBs. Our basic Current Account is the first step in revolutionising how business operate, with further integrations being rolled out soon.
Reviews
How multifi works for introducers
Enhanced Credit Limits and Features
Enhanced Credit Limits:
multifi offers credit limits of up to 15% of the last 12 months’ business revenue, with the maximum credit limit capped at £350,000.
Credit Account Requirement:
multifi provides customers with a basic Current Account through which they are required to route all revenue, such as direct payments from their customers, Card Payment Receipts, and Drawdowns from Invoice Finance or Merchant Cash Advance providers.100% of funds are available instantly, 24/7.
By channelling revenues through this account, we efficiently collect fees, interest, and capital as they become due.
Director Indemnity:
We provide funding on an unsecured basis and, unlike other finance providers, will never ask for a Personal Guarantee. Instead, a director is instructed to sign a standard indemnity letter ensuring revenues will continue to be channelled through their multifi Current Account.
FAQs
multifi complements existing Invoice Finance agreements. Update your bank details with your provider to receive drawdowns into your new multifi Current Account.
Your multifi Current Account functions as a basic current account, allowing you to send payments, withdraw and deposit money, and includes an assigned bank account and sort code.
The typical calculation for credit limits is 15% of business turnover in the last 12 months turnover. Further factors to this calculation include:
- Existing Security: Do other lenders have secured loans with your company, and what would happen if they initiated a recovery process?
- Other Lenders: Who are these lenders, and are their credit products suitable for your investment or spending goals?
- Credit Account Requirement: Could existing facilities, like overdrafts or invoice financing, interfere with our Current Account requirements?
- Suitability of multifi Product: Is our product fit for investment goals? For example, using credit to refurbish premises may not directly generate a return within four months to repay used funds and associated fees.
An automatic sweep from your Current Account to your nominated business account occurs daily at the close of business, adjusting for due fees. You can withdraw funds anytime. The sweep is enabled by default but can be disabled in your account settings.
A director signs an indemnity letter confirming all revenues will be paid into the Current Account as agreed. Adhering to these terms ensures no personal liability, even in case of a default. Unlike other providers, we will never ask for a Personal Guarantee.
Once a credit limit has been offered, the business has 14 days to decide. After that the business would have to reapply.
Our success stories
Learn how we empower businesses.
Unsecured credit
multifi provides unsecured credit based on business performance. This enables a faff-free approval process. Indemnity cover may be required to open the account and customers must utilise multifi’s cash account functionality to make business payments.
Highly Competitive FX Rates
multifi’s competitive foreign exchange rates mean you can make payments to payees and suppliers in more than 180 countries.
Revolving credit
Borrow, repay, and borrow again up to your credit limit without needing to reapply each time for business finance. Make fast payments with 120 days of credit.
No setup fees
There are zero set-up fees and you pay a monthly fee of 0.3%-0.5% of your credit limit with an interest rate of 1.99%-2.49% per 30 days on used funds.
Become our partner
Complete the above form and we will be in touch with further information on how to become a partner.
Learn more about multifi
Finance shouldn't be an F-Word.
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