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Fixed rates

Fast payments

No faff

Fast business finance:
Instantly check eligibility for up to £250,000 credit.
Sign-up and use credit to make payments.
Repay, reuse, repeat.

Fixed rates

Fast payments

No faff

Fast business finance:
Instantly check eligibility for up to £250,000 credit.
Sign-up and use credit to make payments.
Repay, reuse, repeat.

Access a Credit Limit of up to £250,000 per month

multifi business finance platform

£5,000 - £40,000

For businesses under two years
with under £250k annual turnover
2
49%
interest on used funds every 30 days
  • Monthly Platform Fee: 0.5% of credit limit
  • Company Trading Period: Between 1 - 2 years
  • Annual Turnover: Between £50k - £250k
  • Negative Net Tangible Assets Considered
  • CCJs: None outstanding
Popular

£40,000 - £250,000

For businesses over two years
with over £250k annual turnover
1
99%
interest on used funds every 30 days
  • Monthly Platform Fee: 0.3% of credit limit
  • Company Trading Period: Over 2 years
  • Annual Turnover: Over £250k
  • Positive Net Tangible Assets Required
  • CCJs: None outstanding

Essential Requirements for multifi Credit Access:

Open Banking: Connect your company accounts for read-only access to enable a smooth credit assessment and ongoing monitoring.
Cash Account & Standing Order: Set up a multifi Cash Account and a standing order to ensure timely payments and demonstrate positive cashflow.
Indemnity Insurance: A person of influence must sign an indemnity confirming the standing order will not be amended or cancelled.

These steps are essential to accessing and maintaining your multifi credit facility.

What that means

Business finance representative example:

Credit limit: £50,000 (monthly fee £150-£250).

Credit used: £30,000 (£597-£747 interest per 30 days).

Total cost: £747-£997 per month.

How to apply

Instantly check eligibility, see your indicative credit limit, and apply.

Once approved, receive instant access to your pre-approved credit line – up to £250,000.

Instantly check eligibility online, check your indicative credit limit, and apply.

Credit is revolving and businesses have up to 120-days to repay.

Reviews

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.

Application criteria

Is your business:

  • A limited company registered at Companies House?
  • Trading for at least two years? (For larger credit limits)
  • Trading for at least twelve months? (For smaller credit limits)
  • In a positive Net Tangible Asset position? (For larger credit limits)
  • Accepting negative Net Tangible Assets? (For smaller credit limits)
  • Free of any outstanding County Court Judgements (CCJs)? (Directors included)
  • Not a prohibitive industry? (For more information, please visit our support page.)
  • Comfortable accepting indemnity cover and utilising multifi’s cash account functionality to make business payments?

How multifi business finance works

Play Video about An introduction to multifi business finance

Make fast payments with 120 days credit to UK and international suppliers benefitting from our highly competitive FX rates.

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.

Indemnity cover may be required to open the account and customers must utilise multifi’s cash account functionality to make business payments.