All our Flexi-Loans are unsecured, so you can borrow money to grow your business, without putting assets (like your house) on the line.
Applying won’t affect your credit score
We’ve worked with over 50,000 small businesses since 2012, and they give us an ‘excellent’ rating on TrustPilot.
From the minute you apply with us, you’ll have your own account manager to pick up your calls.
It just takes a few minutes to find out what you could borrow, and it won’t affect your credit score.
Tim Law - Simply Plants
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.
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.
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’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)
Borrow up to £200,000
For up to 12 months
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.
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.