Financial Advice for Small Businesses: multifi’s Guidance for Growth

For many small businesses, the intricacies of financial planning and management present significant hurdles. Access to solid financial advice is not just beneficial—it’s a critical component of success. multifi is a premier provider of funding that makes access to finance easy, empowering SMBs to navigate the financial complexities toward sustained growth and prosperity.


Why Small Businesses Need Financial Advice

The economic landscape is fraught with challenges that demand strategic financial manoeuvring. SMBs, often limited by resources, particularly benefit from financial advice to optimise their operations and investments. That’s why multifi aims to keep everything clear and simple so that businesses can make informed decision without the risk of hidden costs and unexpected fees.

Tailored Finance for Your Small Business

multifi’s Customized Finance

Understanding that every small business has unique needs, multifi offers bespoke financial credit to match each business’s objectives. multifi’s experts delve into the subtleties of each SMB’s situation, providing a tailored credit limit individual as the business itself.

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multifi’s Approach to Providing Financial Advice

Strategic Planning and Expert Advice

  • multifi takes a strategic approach; while we cannot offer direct financial advice, we remain impartial; we do everything in our power to provide small businesses with the information they need to make informed decisions—from cashflow management to capital investment planning. Furthermore, we work closely with trade bodies like the National Association of Commercial Finance Brokers (NACFB) and the Federation of Small Businesses (FSB), who can offer advice to their members who often come on to the multifi platform after recommendations by their broker’s or advisors.


Navigating Financial Complexity with Expertise

  • With deep knowledge of finance for small businesses, multifi is equipped to offer businesses credit that helps steer them through the complex financial environment, helping them make informed and beneficial decisions.


The Value of Financial Advice in Business Decisions

Making Informed Financial Choices

  • It’s essential to seek advice when looking for business funding. Brokers and Accountants are great places to start and can help businesses make choices that align with their objectives and financial realities.

Download our latest report: The future of cashflow

Download our insight report, “The Fight Against Slow Finance: How Pre-Approved Credit is the Secret Weapon for UK Businesses,” to dive deeper into the challenges UK businesses face and discover how multifi is revolutionising the world of business finance.

Our report includes:

  • Identification of financial gaps and the impact on SMBs.
  • Strategies for managing cashflow effectively.
  • The benefits of pre-approved business credit.
  • Real-world case studies and success stories

Frequently Asked Questions About multifi:

Who is multifi for?
multifi is a fast, flexible source of business finance for all UK companies. We support everything from retailers and restaurants to manufacturers and professional service firms. Businesses use multifi to bridge short-term cashflow gaps, invest in new opportunities, and more.

How much can I borrow?
We will approve your business for up to £200,000. Your credit limit is based on factors like revenues and cashflow. 

Are there any commitments?
It’s free to apply without obligation. If approved, you only proceed once you’ve reviewed your offer. We may, in some cases require a personal guarantee.

Do you charge fees?
We believe in transparency. There is no sign-up fee. The only costs are a  monthly fee of 0.3% of your credit limit, and a 1.99% interest on used credit per 30 days. There are no hidden fees and no charges for early repayment.

How do I make repayments?
To make a repayment, simply ensure you have sufficient funds in your Business account when repayments are due for both your monthly platform fee (0.3% of your credit allowance) and interest fee (1.99% of used credit). If you are making a capital repayment, simply make a payment from your Credit account, ensuring there are sufficient funds in your Business account.

What if I miss payments?
Contact your advisor immediately if you anticipate difficulty with repayments. We’ll try to assist you in getting back on track. Missed payments may impact future eligibility.

What kind of businesses are eligible for credit limits?

Our customers are typically businesses looking to generate cashflow and grow.

Minimum criteria include:

  • The business is a limited company and must be registered at Companies House.
  • The business has traded for at least two years.
  • The business should have a positive Net Tangible Asset position.
  • The business and its directors must have no outstanding County Court Judgements (CCJs).
  • The business must not trade in a prohibitive industry.

Full eligibility criteria can be found on our support page

The multifi Advantage: After Receiving Financial Advice multifi Is Equipped To Help You Grow

Beyond Financing: Comprehensive Support for SMBs

  • multifi’s offering goes beyond financial advice and guidance, encompassing a range of features and benefits from 120-day repayment terms, competitive FX rates and unsecured credit that solidifies its role as a key proponent of SME growth.


Continuous Support for Evolving Business Needs

  • As businesses grow and change, so too do their financial needs. multifi is constantly analysing customers’ business health to ensure that SMBs have a financial ally at every stage of their journey.



multifi recognises the pivotal role financial advice plays in the success of small businesses. Its financial products are meticulously crafted to be easily understood. Offering a simple alternative to guide SMBs through the complexities of applying for business finance, ensuring they have the support they need to thrive.

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Fast access to business finance in a user-friendly platform with fixed, competitive interest rates.

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Boost your cashflow with business finance

Access up to £200,000 credit

Setup fee:

zero set-up fees

Monthly fee:

of credit limit

Interest fee:

per 30 days on used credit