# See how our flexible credit puts in the work

FlexiPay moves to the rhythm of your business. It’s the powerful pay later tool that lets you spend, then split any cost up to 12 months. Now’s your chance to see it in action.

[Apply with a decision in 3 minutes](/content/uk/borrower/flexipay-apply/eligibility/index.html) [Check your credit limit for free](/content/uk/borrower/flexipay-apply/eligibility/index.html)

Apply as a limited company with no credit score impact

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## Withdraw funds, instantly

Transfer money straight to your own bank account in a few simple clicks. No jumping through hoops. You keep your suppliers happy. Here’s the proof.

How to transfer credit into your bank account instantly | FlexiPay - YouTube

[How to transfer credit into your bank account instantly | FlexiPay](https://www.youtube.com/watch?v=m4kUp7WAJqI)

## Cover HMRC with ease

Get on top of business bills with a reliable flow of capital that’s on hand, when you need it most. Tax season doesn’t have to drain your all-important reserves.

Split your business tax bill and pay on your terms | FlexiPay - YouTube

[Split your business tax bill and pay on your terms | FlexiPay](https://www.youtube.com/watch?v=5U_b_sUYtYU)

## How FlexiPay works

FlexiPay is the tool that gives you complete cashflow control. Pay by card wherever VISA is accepted, transfer to another UK bank account, or withdraw funds directly to your own business bank account. Pay your way in just 4 simple steps:

1. ##### 1

##### No waiting around

Apply in 3 minutes to get your instant decision - no documents needed.

2. ##### 2

##### Get your credit straight away

Activate your account to start making payments. Funds can be in your bank account on exactly the same day*. Your brand new credit card then follows in the post.

3. ##### 3

##### Choose the right plan for each payment

Get what you need upfront, then pay over 1, 3, 6, 9, or 12 months. It’s just one simple, flat fee from 1.99%, per transaction. Zero compound interest.

4. ##### 4

##### Pay back early and save**

No lock-ins because our instalments are flexible. Clear your balance early to free up your credit limit. There’s no settlement penalty and you’ll only pay for what you use.

[Apply for free](/content/uk/borrower/flexipay-apply/eligibility/index.html)

## How FlexiPay backs your business

##### Pocket better margins

Bulk-buy stock upfront to unlock the best deals and boost your profits. Don’t worry about variable interest chipping away at your hard-earned margins while stock sits on the shelf. Our transparent, fixed-fee plan gets you a step ahead.

[Apply now](/content/uk/borrower/flexipay-apply/eligibility/index.html)

##### Overcome cash flow bumps

Tax, payroll or utility bills looming? Quickly borrow up to £250,000 to pay off those repeat expenses. And you can dip into a rechargeable credit limit whenever you like. FlexiPay’s made to give you even more room to move.

[Apply now](/content/uk/borrower/flexipay-apply/eligibility/index.html)

##### Grow first, pay later

Fund brand new equipment or that long-awaited office refurbishment, without punching holes in your cash buffer. That’s where your financial companion comes into its own. Power your goals with total confidence and leave costly bank overdrafts behind.

[Apply now](/content/uk/borrower/flexipay-apply/eligibility/index.html)

**Your versatile credit line may be waiting…**

What's stopping you from bringing your plans to life? Make a start today with no impact on your credit score and zero upfront fees to apply directly. Funds could hit your account on the same day. That means you’ll call the shots on your cash flow sooner than you think.

[Apply with a decision in 3 minutes](/content/uk/borrower/flexipay-apply/eligibility/index.html)

* Your funds will be paid out on the same day if you draw down before 2pm on that day. Applies to working days only.

**This feature is available to customers who joined after July 2024.