Get £5k-£350k to pay suppliers now.
Repay from Christmas sales later.
Typically approved in 72 hours.
Check Your Limit in 60 Seconds
(No impact on credit score)
Get £5k-£350k to pay suppliers now.
Repay from Christmas sales later.
Typically approved in 72 hours.
Check Your Limit in 60 Seconds
(No impact on credit score)
You’re not alone. This timing problem affects thousands of UK SMEs every Q4.
Simple, transparent, and built for UK SMEs
£0
0%
per 30 days on used credit£0
Figures shown are for illustration purposes, based on utilising your full credit limit for an initial payment.
As you make repayments, credit becomes available again - that's the benefit of our revolving credit facility.
Actual repayments will be calculated per individual credit transaction
Takes 60 seconds
No credit impact
Real SMEs. Real results. Real cashflow relief.
| Feature | Traditional Bank Loan | Business Overdraft | multifi |
|---|---|---|---|
| Approval Time | 2-8 weeks | 1-4 weeks | 48 hours |
| Setup Fees | £500-2,000 | £0-500 | £0 |
| Collateral Required | Yes (property/assets) | Sometimes | No |
| Reusable Credit | No (one-time) | Yes | Yes |
| Repayment Flexibility | Fixed monthly | On-demand | 6-month plan |
| Early Repayment Penalty | Often yes | N/A | No |
| Transparent Pricing | Complex | Variable | Fixed |
Built specifically for SME cashflow needs, not generic corporate lending. Fast, flexible, and actually designed for seasonal trading cycles.
You only draw what you need, and repayments are spread over 6 months. This means even if December is slower than expected, you have January, February, and beyond to repay from ongoing sales. Plus, you control how much you draw – start small if you’re cautious.
Better rates (2.49-3.49% vs 18-25% on cards), higher limits
(up to £350k vs typically £5-25k), and structured 6-month repayment plans instead of revolving high-interest debt. Purpose-built for larger business expenses like stock purchasing.
If you apply by early December, you can still get funded for
late-stock purchases or to cover other Q4 expenses (staffing, marketing, urgent supplier payments). The earlier you apply, the more options you have.
The initial limit check is a soft search, with zero credit impact.
Only if you proceed to the full application do we do a hard search,
which is standard for any credit facility. Used responsibly,
multifi can actually help build your business credit profile.
No catch. We charge a small monthly platform fee (0.3-0.5% of your
limit) and interest on funds you actually use (2.49-3.49% per 30 days). Everything is upfront in your approval terms. No hidden fees, no surprise charges, no penalties for early repayment.
Absolutely not. Your limit is your maximum available, draw £10k,
£50k, or nothing at all. You only pay interest on what you actually
use. Think of it as an insurance policy for your cashflow.
We work with SMEs with a £50k turnover and 1+ years trading.
If you’re close to these thresholds, still apply; we assess each
business individually. Limits start from just £5k.
Yes! multifi works alongside other facilities. Many businesses
use their overdraft for day-to-day expenses and multifi for larger
stock purchases or growth investments. They complement each other.
Many suppliers close order books by mid-December for Christmas delivery.
The earlier you secure funding, the more options you have.
Don’t wait until it’s too late to stock up properly.
