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Do You Own a Cash Positive Business With Large Payments on the Horizon?

multifi Can Help Spread Costs over 120 days

Do You Own a Cash Positive Business With Large Payments on the Horizon?

multifi Can Help Spread Costs over 120 days

Award Winning Credit Limits up to £350,000

multifi offers flexible credit to fund equipment, stock, bills, expenses, payroll, and more.
Access up to £350,000 in 72 hours.

Credit up to £350,000

Limits from £5,000.

Clear & Fixed Fees

Monthly fee: 0.3%-0.5% of credit limit. Interest rate: 1.99%-2.49% per 30 days on used funds.

15% of Turnover

Secure up to 15% of your business' last 12 months turnover.

Just like an overdraft but smarter.

Key Features

International Payments

Use credit to make international payments with highly competitive foreign exchange rates.

120 Day Repayments

Use multifi to make payments and take up to four months to repay used credit.

Unsecured Finance

multifi provides unsecured credit, meaning that accounts are setup without collateral risk.

Fuelling the Growth of UK Business

Do you have a cash-positive business with high outgoings?  

Apply for flexible credit limits from £5k to £350k and spread costs over four months.

Whether expanding your operations, managing cashflow, or seizing new opportunities, multifi provides the financial support you need to thrive.

Join the hundreds of businesses empowering their growth journey today.

Trusted partners

Like No Other Funding Provider

Completely Unsecured Credit

multifi provides unsecured credit, meaning that accounts are setup without collateral risk.

Unsecured Credit

We do not ask for

No Hidden Fees

Fixed Rates Upfront

Unlike other providers there are no set-up costs and there are no hidden fees. Our interest rates stay the same from the outset and there are no hidden surprises at the end of your application.

No Fees on Same Day Payments

Same Day Payments Without Faff

We do not charge extra for same day payments. You simply add your payees details to your account and make payments.

Quick and Easy Applications

Our user-friendly online platform simplifies the business finance application process.

Check Eligibility

Instantly see your indicative limit online. Submit your company information and apply.

Receive Credit Offer

We check eligibility and calculate the credit limit (usually within 72 hours).

Offer and Acceptance

Accept and start making payments through multifi.

Qualifying for multifi Credit

multifi’s unsecured credit does not require collateral or Personal Guarantees.

Open Banking

Connect company accounts for read-only access to enable smooth credit assessment and ongoing monitoring.

Current Account

Once live, revenues must be paid into a Current Account provided by multifi. All funds are accessible 24/7.

Indemnity Letter

We will never ask for a Personal Guarantee. Instead a Director ensures all revenues are routed through the Current Account.

Credit Limit Breakdown

Rates and Fees

Setup fee:
0%

zero set-up fees

Monthly fee:
0.3%-0.5%

of credit limit

Interest fee:
1.99%-2.49%

per 30 days on used credit

Up to £40,000

For businesses under two years
with under £250k annual turnover
Limits from £5k
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

Up to £350,000

For businesses over two years
with over £250k annual turnover
Limits from £5k
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

Typical Credit Limits

Eligible businesses can access up to 15% of their last twelve months turnover.
15% of last 12 months turnover
  • Annual Turnover: £50,000 = Credit Limit: £7,500
  • Annual Turnover: £200,000 = Credit Limit: £30,000
  • Annual Turnover: £500,000 = Credit Limit: £75,000
  • Annual Turnover: £1,000,000 = Credit Limit: £150,000
  • Annual Turnover: £1,500,000 = Credit Limit: £225,000
  • Annual Turnover: £2,000,000 = Credit Limit: £300,000
  • Annual Turnover: £2,500,000 = Credit Limit: £350,000
  • Annual Turnover: £3,000,000 = Credit Limit: £350,000
  • Annual Turnover: £5,000,000 = Credit Limit: £350,000

Key Features

We aim to complete applications within 72 hours of  receiving company details.

multifi credit limits can be used alongside existing finance solutions.

multifi provides unsecured credit, meaning that accounts are setup without collateral risk.

Access up to £350,000 in revolving credit. This flexible credit line replenishes as you repay, allowing continuous access to funds without reapplying. Ideal for managing cashflow efficiently, ensuring you have financial support whenever needed.

Unlock up to £350,000 in pre-approved credit with multifi. No need to draw funds immediately—your credit waits on standby, ensuring you’re ready for any financial necessity without the hassle of reapplying. Effortless, efficient, and ready when you are.

Payments made to your payees are typically paid within the same working day

Our foreign exchange rates are incredibly competitive and flexible when making international payment.

Use credit and take up to four months (120 days) to make a full repayment. 

With multifi, you benefit from a fixed monthly fee ranging from 0.3% to 0.5% on your credit limit, plus 1.99% to 2.49% interest on used funds every 30 days. Our transparent pricing means no surprises, making budgeting straightforward and predictable for your business.

Instantly access preapproved credit not related to your sales. We don’t ask for invoices and remove the admin of invoice finance.

Taking the Faff out of Finance

Learn how we’ve empowered businesses like yours.