CreatePay customers can now access Flexi Credit: a revolving credit facility from £5k to £350k. From 1.99% per month. No platform fees, no setup fees, no early repayment penalties.
✓ Won’t affect your credit score · ✓ Decision typically within 24 hours
That’s often enough time to sell the stock, receive payment from your customers, and repay from revenue, not from reserves.
days to first repayment
Unlike traditional loans, Flexi Credit revolves. Use it, repay it, use it again – without a new application each time.
Access your credit facility during your 30-day funding period. Draw multiple times up to your full limit.
Repay capital in equal monthly instalments, starting 60 days from your funding period opening. Interest payments based only on what you've drawn that decrease as your balance reduces.
Reloads are available when your balance is below 2/3 of your limit. No need to reapply. Just a quick account check-up and you're ready to draw again.
4+ Stars on Google & Trustpilot
Since 2023
Payment transactions
Distributor of regulated partner
For 85% of applicants
Adjust the sliders to compare your total cost with multifi versus a typical competitor with hidden fees.
Representative example: £50,000 credit facility at 2.49% per month. 6 monthly instalments starting 60 days from funding period opening. Average monthly repayment: £9,267. Total amount repayable: £55,602. 34.7% APR representative.
Your actual rate depends on your business’s financial strength – most of our customers qualify for our best rates.
Competitor costs are illustrative examples combining common fees across alternative SME finance models. Total interest charged by multifi based on funds drawn on the 8th of the base month. All figures are estimates and should not be taken as a quote. Actual repayments depend on the chosen schedule between 3-6 months.
Representative example: £50,000 credit facility at 2.49% per month. 6 monthly instalments starting 60 days from funding period opening. Average monthly repayment: £9,267. Total amount repayable: £55,602. 34.7% APR representative.
Your actual rate depends on your business’s financial strength – most of our customers qualify for our best rates.
Competitor costs are illustrative examples combining common fees across alternative SME finance models. Total interest charged by multifi based on funds drawn on the 8th of the base month. All figures are estimates and should not be taken as a quote. Actual repayments depend on the chosen schedule between 3-6 months.
We believe you deserve to know exactly what your business credit costs. No surprises, no small print.
Comparison based on publicly available pricing as of February 2026. Competitor rates and fees may vary. Please verify current terms directly.
We’re transparent about who we can help, and honest when we’re not the right fit.
✓ Annual revenue of £50,000+
✓ 1+ years trading history
✓ UK Limited Company or LLP
✓ Manufacturing, retail, distribution, professional services, e-commerce, or transport
✓ Need £5,000 – £350,000
→ Annual revenue at £50,000
→ Take card payments
→ Strong growth trajectory
→ Clear use case for funds
→ Good personal credit history
✗ Under £50,000 annual revenue
✗ Less than 1 years trading
✗ Sole trader or startup
✗ Personal loan requirement
✗ Sectors we can't currently serve
Instead of asking you to dig out months of bank statements, we use Open Banking, a secure, FCA-regulated way to view your recent transactions. It helps us make faster, fairer decisions.
We can never move money, make payments, or change anything on your account.
The connection is secured by your bank and regulated by the FCA. It's the same technology used by Monzo, Starling, and HMRC.
No paperwork. No scanning. No posting. Just log in to your bank and approve the read-only connection.
We understand the cashflow challenges specific to your industry, because we’ve helped hundreds of businesses just like yours.
Fund raw materials, manage supply chain gaps, and invest in equipment without waiting for invoice payments.
Stock up for peak seasons, bridge supplier payment terms, and keep shelves full when cash flow dips.
Cover fleet costs, fuel, and seasonal demand spikes with flexible working capital.
Bridge project start-up costs, manage payroll gaps, and invest in growth between client payments.
Fund inventory for peak sales periods, invest in marketing campaigns, and manage marketplace payment delays.
Cover vehicle replacement, unexpected breakdown costs, and fuel float between contracts. Keep your fleet operational without waiting for your next job to clear.
Hear from SME owners who’ve used multifi to grow, in their own words.
We believe finance should be simple to understand. If something’s still unclear, call us, we’re real people.
Think of it as a pot of money your business can dip into when needed. You’re given a credit limit (£5,000–£350,000), you draw what you need during your 30-day window, repay monthly, and when your balance drops to under two-thirds of your limit, you can reload after a quick account check-up. Interest only, no additional fees.
A traditional loan gives you a lump sum that you repay over a fixed term. Flexi Credit revolves: you use it, repay it, and use it again. You only pay interest on what you draw, not on your total limit. And there are no setup fees, platform fees, or early repayment penalties.
Reload means your available credit reopens within the same facility once your outstanding balance falls below two-thirds of your credit limit. It’s not a new loan or a top-up, it’s your existing facility becoming available again. All reloads are subject to a quick account check-up by our credit team.
No. Our initial eligibility check is a soft search that won’t appear on your credit file or affect your score. A hard credit check only happens later if you choose to proceed with a full application.
Open Banking is an FCA-regulated, read-only connection to your business bank account. It lets us view your recent transactions to make faster, fairer lending decisions. We can never move money, make payments, or change anything. It uses 256-bit encryption, the same security your bank uses. If you’d prefer, you can upload bank statements manually instead.
For most applications, we make a decision within 24 hours. Once approved and agreements are signed, funds are typically in your account the same day or next business day.
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Kactus Technologies Limited (“Kactus”) is the owner and developer of the multfi platform. Kactus provides support services to both our valued customers and lending partners.
multifi is the brand name under which Kactus operates.
Kactus Technologies Limited is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see this link.’
Disclaimer: Investment Advice
multifi provides financial solutions and credit services to empower businesses. However, we do not offer specific investment advice. Any information provided on this website, in our publications, or by our representatives is for general informational purposes only and should not be considered investment advice. Investment decisions should consider your unique financial situation, goals, and risk tolerance. You should consult with a qualified financial advisor or investment professional before making any investment decisions. multifi is not responsible for any actions taken by individuals or businesses based on the information provided on our platform. We do not endorse or recommend any specific investment products. While we strive to provide accurate and up-to-date information, we make no warranties or representations regarding the accuracy or completeness of the information provided on our website. Using our services, you acknowledge that you have read and understood this disclaimer and agree to consult a qualified professional for investment advice tailored to your specific needs and circumstances.
