Access Smarter Credit
Access up to £350,000 revolving credit and spread business payments over six months.
Access Smarter Credit
Access up to £350,000 revolving credit and spread business payments over six months.
Finance Built For Merchants
CreatePay has partnered with multifi to offer you a different way to access credit, without depending on your monthly card turnover.
It’s called revolving credit!
Reusable Line of Credit
No Need to Re-Apply
Automatically Repay Over Six Months
62% cheaper than MCAs. Same flexibility, less faff*
Award Winning Credit Limits up to £350,000
Monthly Platform Fee
£0
Interest Rate
0%
per 30 days on used creditRequired Annual Revenue
£0
Example Repayment Structure
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
Simple Repayments:
Draw funds from your multifi Credit Account. Each payment automatically splits into six equal monthly repayments from your multifi Current Account. Interest and platform fees are collected on the 8th of each month, based on your outstanding balance.
Representative examples (repayment in 6 equal monthly instalments via Direct Debit):
- £5,000 drawdown → Total cost approx. £763 (equivalent to 1.15 factor rate)
- £10,000 drawdown → Total cost approx. £1,525 (equivalent to 1.15 factor rate)
- £20,000 drawdown → Total cost approx. £3,051 (equivalent to 1.15 factor rate)
- £50,000 drawdown → Total cost approx. £5,271 (equivalent to 1.105 factor rate)
- £100,000 drawdown → Total cost approx. £10,543 (equivalent to 1.105 factor rate)
Revolving Flexible Finance for Growing Businesses
Unsecured Credit
Completely Unsecured Credit
No Hidden Fees
Fixed Rates Upfront
No Fees on Same Day Payments
Same Day Payments Without Faff
Fuelling the Growth of UK Business
Why act now?
With year-end pressures and rising supplier costs, revolving credit can help you manage funds confidently into 2026. Thousands of UK SMEs are already using multifi to:
Manage cash-flow
Buy essential/ new stock
Invest in growth
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Checking your indicative limit will not affect your credit score. To ensure the process is fast and accurate, applicants must provide read-only open banking access, have a minimum of 12 months’ trading history, and an annual turnover of at least £50,000.
All facilities require a personal guarantee.
Your privacy is important to us.
We will never share details without consent.
