Loans to keep your cash flow flowing
Bridge the gap between ‘in’ and ‘out’ with a Flexi-Loan
Applying won’t affect your credit score.
No more waiting on invoices before you can settle up with your own suppliers; a Flexi-Loan lets you pay what you owe (or what you need to grow), when you need to.
No more waiting on invoices before you can settle up with your own suppliers; a Flexi-Loan lets you pay what you owe (or what you need to grow), when you need to.
Apply online
It takes minutes to get started, and we’ll get back to you in a day or so.
Borrow what you need
Our loans go from £1000 to cover your smaller costs, all the way to £200,000 for your biggest plans.
Repay at your pace
Spread the loan across 12 months, or repay sooner if your cash flow’s looking healthy.
“The process has been easy, uncomplicated and very quick. Their service is excellent with regular contact and support. I highly recommend this company for any business that needs finance.”
Tim Law - Simply Plants
How it works
Apply in minutes
It takes five minutes from start to finish. We're designed with small businesses in mind, so we'll just need the basics about your business to make a decision.
Use your funds
We'll approve you based on your business performance. You transfer as much as you need to your bank account, and the funds will typically be in your account in hours.
Repay or top up
We don't charge early repayment fees: we only charge interest for the days you have the money. If you need more funds, applying for a top up is easy. As your business grows your credit limit will too.
We keep our prices simple
Simple Pricing
We’ll only charge interest on your outstanding balance for the days you’re using your loan – no hidden fees, no long-term commitments. Our rates start at 2% a month for a Flexi-Loan, depending on your business.
Total repayment of £44,789(3.33% interest rate per 30 days)
This loan calculator is only an example, your actual rate will vary based on your circumstances. Here’s another example. If you borrowed £10,000 for 12 months at 49% representative APR, with an interest rate of 40% p.a. (variable), then, all in all, the total amount you’d repay would be £12,294.
Frequently asked questions
Here are some questions our customers ask. If there’s anything we haven’t covered here, check our FAQ
We only run soft credit checks which means applying won’t affect your credit score. But if you decide to draw down funds from us, the loan will show up on your credit report.
Yep, some of our customers repay early to save on interest. If you want to make extra repayments or pay off your loan early we won't charge you any fees. We don’t believe in hidden fees either, so you’ll never find any sneaky small print surprises.
Even though we offer loans, we’re not a bank. We’re an independent company custom-built for small businesses – and our goal is to provide straightforward access to finance where and when your business needs it.
It takes 5 minutes to apply and in almost all cases you'll get a decision in 24 hours.
Generally, they put the money to short term investments, like extra stock. Or they use it to help with cash flow, like if they're waiting on an invoice.
With a Flexi-Loan, once you've paid back a third of your original credit limit, applying for a top up is easy. We'll just need updated information about your business.
Questions?
Speak to a real person
Small business loans are all we do, so you'll get straight through to someone who can help, like Lisa – we're not fans of hold music. Call us from Monday to Friday (9am - 6pm). We accept applications over the phone.
Apply now