Flexible Finance, Done Properly
Borrow £5,000 to £500,000 | 3 month to 4 years | Penalty-Free Promise
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Business finance, done properly
We’re an Ipswich-based digital business lender, known for our innovative finance products and genuine passion for supporting UK SMEs. Here’s a quick look at why our multi-award-winning finance is so popular amongst businesses across the country:
Flexibility: it’s in our name
We understand that no two businesses are the same, which is why our products are flexible enough to meet the specific needs of your business in practice, with top-ups and repayment holidays as standard.
Our Penalty-Free Promise
We’ll bring you funding that’s transparent and won’t penalize you for growing faster than expected. You’ll only pay interest for the time you’ve had the loan, with no hidden fees or shady small print.
Taking the fuss out of funding
We understand that you’re short of time, which is why funds can be with you within 24 hours. Our application process and products are fuss-free, so you can focus on running your business and leave the rest to us.
Loved by our customers
Here's what some of our customers are saying on Trustpilot.
Independent retailer turns to Fleximize to protect his cashflow
Montagne Sports are a ski & outdoor clothing retailer based in Newbury, Berkshire and online. Owner Alan turned to Fleximize to provide him with capital to take advantage of opportunities whilst protecting his cashflow.
Flexible loan features you'll love
We’re genuinely passionate about seeing your business thrive, which is why all of our products are packed full of flexible features to support your growth - not hinder it.
Some of your most common queries answered
We offer industry-leading flexibility and first-class customer service. You can see this for yourself by reading our reviews on Trustpilot, where we're rated 'Excellent'. You can also watch our in-depth customer case studies to understand exactly how we help businesses thrive, or browse our awards.
Each of our loans comes packed with flexible features as standard, including top-ups and repayment holidays. In addition, our Penalty-Free Promise means you’ll never be burdened with hidden fees or early-repayment penalties. Meanwhile our Loyalty Pledge means that you’ll get a lower rate if you come back to us for more funding after paying off your initial loan.
Plus, all of our customers are given access to exclusive discounts on market-leading business tools from our network of partners via the Member Marketplace – just log in to your Fleximize Member Area to redeem the discounts and offers best suited to you.
You can borrow up to £250,000 on an unsecured basis, and up to £500,000 on a secured basis.
We can only lend a maximum of two months' revenue, so if your typical monthly revenue is £50,000, we'll be able to lend up to £100,000. If you need refinancing, we may be able to provide you with a top-up after three successful repayments.
If you have been trading for longer than 12 months, you can borrow funds and repay over a term of 3 - 36 months on an unsecured basis, and 3 - 48 months on a secured basis.
If you have been trading between 6 - 12 months, we can offer you funds through our Flexiloan Lite with a repayment term of up to 12 months initially. Once you have some more successful trading time under your belt, the flexibility of our products may mean you can refinance with our Flexiloan the next time you require funding.
Let us know what you'd like your monthly repayments to be, and we'll organize a term that works for you.
To be considered for funding, your company needs to have been actively trading for at least six months and have a minimum monthly turnover of £5,000. We can lend up to a maximum of two months' revenue, so if your typical monthly revenue is £10,000, we'll be able to lend up to £20,000. We can only support non-homeowners who have been trading for over 36 months with up to a maximum of £20,000.
Our products are flexible enough to be used by any business for any purpose, from taking on more staff to paying a tax bill. Many of our customers use their Fleximize business loan to improve their overall cash flow or to facilitate business expansion and growth. Some simply need the working capital to help fulfil customer contracts, whilst others may use it as a means of completing a management buy-out.
You can take a look at some of our customer case studies to understand exactly how our loans have helped small businesses across the UK.
Typically, we’re able to approve applications within 24 hours of receiving them. If you provide all the information we need to underwrite your application in a timely manner, we can also have the funds with you within 24 hours of receipt of your application.
If you come directly to us, there are absolutely no set-up, application or arrangement fees. You'll simply be charged the interest on your loan. Our Penalty-Free Promise also means that we’ll never charge any early repayment fees, and you can save on interest if you repay early.
At the moment, we can only lend to businesses that have at least six months’ trading history. Once you’ve been trading for six months, we’d be delighted to consider your business for funding, so please get in touch.
Still have questions? Call us.
If you have any questions, drop us a line and a member of the team will be very happy to help.