New Year. Stronger Cashflow. Zero Guesswork.
Start 2026 with clarity. Reset your cashflow for the year ahead. Get £5k-£350k working capital for your business.
Typically approved in 72 hours.
Check Your Limit in 60 Seconds
(No impact on credit score)
New Year. Stronger Cashflow. Zero Guesswork.
Start 2026 with clarity. Reset your cashflow for the year ahead. Get £5k-£350k working capital for your business.
Typically approved in 72 hours.
Check Your Limit in 60 Seconds
(No impact on credit score)
For UK businesses that aren’t looking for a “quick fix”, they’re building something that lasts.
Why This Matters
January shouldn’t be about scrambling for cash. It should be about planning, not panicking.
After the stocking up and spending of December, many good businesses feel the cashflow squeeze. That’s predictable. That’s normal. And you shouldn’t have to feel ashamed of it.
Fund key supplier invoices on your pace
Smooth out seasonal dips
Buy early and sell later with confidence
Take Control of Your 2026 Cashflow
multifi gives you flexible, simple access to working capital
Simple, fair, and designed for UK businesses.
Check
Apply
Approve
Fund
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
What “Cashflow Reset” Really Means
This isn’t a slogan, it’s a mindset:
Balance your January books early
Free up working capital for strategic moves
Start the year with confidence, not fear
Cashflow is a rhythm, not a random event.
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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