Find Your Perfect Financial Partner This February
Fall in love with reliable cashflow. multifi provides up to £350,000 unsecured revolving credit for B2B service businesses.
Typically approved in 72 hours.
Check Your Limit in 60 Seconds
(No impact on credit score)
Find Your Perfect Financial Partner This February
Fall in love with reliable cashflow. multifi provides up to £350,000 unsecured revolving credit for B2B service businesses.
Typically approved in 72 hours.
Check Your Limit in 60 Seconds
(No impact on credit score)
Break Up with Cashflow Stress
Running a B2B service business shouldn’t mean constantly worrying about cashflow.
Late client payments, project upfront costs, and seasonal fluctuations can strain even the healthiest businesses.
82% of business failures cite cashflow as the primary reason. Your business deserves better than sleepless nights and payment anxiety.”
Fund key supplier invoices on your terms
Smooth out seasonal dips
Buy early and sell later with confidence
A Relationship Built on Trust and Transparency
Why B2B service businesses love multifi
Simple, fair, and designed for UK businesses.
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Apply
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Example Pricing (No Surprises)
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
Takes 60 seconds
No credit impact
Businesses Like Yours Use multifi to Fund Trading
Real SMEs. Real results. Real cashflow relief.
Why SMEs Choose multifi Over Traditional Options
| 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.
Your Questions, Answered
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.
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 (1.99-2.49% 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.
Trusted partners
Built for Service Businesses Like Yours
We understand the unique cashflow challenges facing B2B service providers. Whether you’re a marketing agency waiting 60 days for client payments, an IT consultancy investing in certifications, or a professional services firm managing seasonal demand – Multifi provides the working capital you need.”
Unsecured Credit
Completely Unsecured Credit
No Hidden Fees
Fixed Rates Upfront
No Fees on Same Day Payments
Same Day Payments Without Faff
Check Your Eligibility
See if you qualify for flexible business finance in under 60 seconds
How long has your business been trading?
What was your annual turnover last year?
How many employees does your business have?
Which sector best describes your business?
How would you describe your business cashflow?
In the past 3 years, has your business had any of the following?
Great news! You're eligible for multifi
Based on your answers, you appear to meet our lending criteria. You could be eligible for funding up to £350,000.
Finance for Business
We may not be the perfect fit right now
Based on your current business profile, multifi might not be the ideal solution at this moment. This reflects our lending parameters rather than any concerns about your business quality or performance.
Different lenders have varying appetites and specialisations, and we recognise that our criteria may not suit all businesses. Many successful businesses go through periods where certain finance products aren't the right match.
Still want to proceed with a full application?
Apply anywayStay connected for future opportunities
We'd be happy to reconsider your application in the future as our criteria and your business circumstances evolve. Join our updates to stay informed about new products and opportunities.
Finance for Business
Check how much credit your business can access without impacting your credit score.
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