Answer a few quick questions. No credit check. No commitment. Takes 60 seconds.
Check how much credit your business can access without impacting your credit score.
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County Court Judgements against the business or directors must be resolved.
Your business must operate in England, Scotland, or Wales. Northern Ireland is not currently served.
Director(s) provide a personal guarantee. This is unsecured. No asset collateral required.
We'll need a read-only view of your business bank accounts via Open Banking
Repayments are collected automatically by Direct Debit 60 days after your drawdown window opens.
Zero
No. The 60-second indicative limit check is a soft search only and does not appear on your credit file or affect your credit score in any way. A full credit assessment only takes place if you proceed with a full application, and multifi will always inform you before conducting a hard search.
multifi calculates your indicative credit limit at approximately 8.33% of your annual turnover — equivalent to roughly one month of revenue. The minimum facility is £10,000 and the maximum is £350,000. This is an indicative figure only. Your final approved limit may differ following a full credit assessment using Open Banking data and other underwriting factors.
After receiving your indicative limit, you can proceed with a full application. This involves connecting your business bank account via Open Banking — typically the only step required for facilities under £100,000. A full credit decision is usually made within 24 hours. If approved, you can draw funds immediately and your first capital repayment is not due for 60 days.