Flexible credit that beats an overdraft | Funding Circle
The flexible credit line that bests an overdraft
Claim a rechargeable limit that puts you in control of your cash flow. It’s the 0% interest overdraft alternative that lets you split any business cost over 1-12 months, without variable rates or annual fees.
Apply with a decision in 3 minutes Check your credit limit for free
Apply as a limited company without affecting your credit score
Excellent
16,880 reviews
- Up to £250,000 credit limit
- Card, transfer or straight into your bank account
- Flat fee from 1.99% per use, 0% interest
- UK-based, human support team on hand
- Made for UK small businesses
Pay on your terms, instead of the lender’s
Turn your credit into cash, split your repayments, then choose exactly how to pay it back. All for one transparent flat fee. Money left over? Pay down early to free up your credit limit and waive the remaining instalment fees*. You avoid lock-ins to unpredictable debt cycles or sudden repayments that risk your own cash reserves.
Effortlessly plug cash flow gaps
You don’t have time for lengthy applications or drawn-out paperwork. FlexiPay gives you an instant decision, then lets you dip into your credit right away. We've removed the hassle of reapplying, so you can deal with your cash flow now and say ‘yes’ to every new opportunity that hits your inbox.
Your trusted FCA-regulated partner
Unlike the big banks that focus on the masses, we go all out to back small businesses. You’re more than a number to us. Where a standard overdraft may keep you up at night, FlexiPay offers an easy, ever-present route to funds. Without setup costs, annual fees or compound interest to worry about.
Join 25,000+ business we've supported... and counting
Grow first, pay later
FlexiPay lets you fund new equipment or that long-awaited refurbishment, without punching holes in your cash buffer. It's where your dedicated credit tool comes into its own. Power your next steps and leave your costly bank overdraft behind.
Smoothen cash flow bumps
Tax bills or payroll looming? Quickly borrow up to £250,000 to pay off repeat expenses, split into instalments, then dip into your rechargeable credit again and again. More financial freedom than a standard overdraft, with zero need to reapply each time.
Pocket better margins
Bulk-buy stock to unlock the best deals and boost your profits. No unpredictable, variable interest chipping away at your hard-earned margins while stock sits on the shelf. Just a simple fixed-fee plan that gets you a step ahead.
How FlexiPay works
Transfer funds straight to your own business bank account and use your card virtually anywhere Visa’s accepted. It’s made to be flexible. Ultimate cash flow control could be just 4 steps away.
No waiting around
Apply in 3 minutes to get your instant decision - no documents needed. 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. ##### 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. ##### 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 See FlexiPay in action
Predictable, transparent payments
While an overdraft often comes with unexpected charges, our 0% interest credit tool puts you a step ahead. Why not see for yourself:
| Example | You'll pay | Total repaid | |
|---|---|---|---|
| Pay in 1, fee-free (card only) | Pay €1,000 to an overseas supplier | €1,000 | €1,000, with no standard flat fee or forex fees applied when using your card |
| Pay in 3 | Spend £1,000 on office equipment | £346.63 per month | £1,039.90, with our standard flat fee applied |
| Pay in 6 | Cover a £1,000 supplier invoice | £179.98 per month | £1,079.90, with our standard flat fee applied |
| Pay in 12 | Withdraw £1,000 into your bank account | £96.66 per month | £1,159.90, with our standard flat fee applied |
Please note that the breakdown above is an example only. The actual fee your business pays is determined by several factors, including our credit assessment process
Vik
8 Rocks Deli & Wine
London
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