We specialize in providing finance that’s flexible enough to meet the changing needs of your business. To date, we’ve lent over £140 million to SMEs across the UK, with the majority returning to us for additional funding.
We’re genuinely passionate about seeing your business succeed, which is why all of our products are designed to support growth – not hinder it. Here are three reasons why we think you’ll love our products:
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.
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 smallprint.
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.
1. Apply in Minutes You can apply online in less than five minutes. You’ll instantly be notified of the outcome of our initial checks. If you’re successful, we’ll ask you to send over some documents.
2. Approval You’ll be paired with a dedicated relationship manager throughout your journey with us, who’ll be on hand to support you with the application and provide you with a final decision in 24 hours.
3. Funding Released Your funds will be sent over to you shortly after we receive the agreements, often on the same day.
For businesses trading 12+ months
Our most popular product, the Flexiloan, is flexible enough to suit almost any business for almost any purpose. It’s ideal for businesses that have been trading for at least one year who want flexible, affordable finance for up to four years, such as to fund an office refurb, purchase new equipment or hire more staff.
Borrow £5,000 - £500,000
Terms of 12 - 48
months
0.9% - 2.9% per month
Unsecured
& secured options
Decisions
in 24 hours
Top ups &
repayment holidays
Refurbishments: Our Flexiloan is particularly popular amongst businesses within the hospitality industry looking for funding to refresh their premises. This often includes purchasing soft furnishings, redecorating existing spaces or even building an extension.
Previous customers have included hotel, restaurant, and bar owners, who’ve found that a premises refresh not only allows them to serve more customers and attract new ones, but also presents an opportunity to update their prices.
Purchasing new equipment: Our Flexiloan has funded plenty of new equipment purchases for SMEs across the UK, including vehicles for logistics companies and software programs for tech firms.
Often, the equipment purchased allows businesses to fulfil larger projects and work more efficiently - providing an initial cash injection to get the momentum going so they can reap significantly larger profits long-term. It’s also very popular amongst businesses looking for a deposit towards asset finance.
Hiring more staff: Our Flexiloan is the perfect product to use for covering the costs associated with hiring and onboarding new staff. Often, this includes covering the cost of recruitment fees and wages for an initial period of time before the new employees begin to bring in revenue to the business.
Similarly, this may extend to funding data purchases or for a business that’s buying the assets of another business (including their customers and staff) for expansion.
For businesses trading 6+ months
A variation of our main term loan, the Flexiloan Lite is best suited to businesses who are in the early-stage growth phase and need some fast cash flow, such as to purchase stock. It’s also well-suited to more established businesses as a bridging loan alternative to cover an urgent VAT or tax bill.
Borrow £5,000 - £500,000
Terms of 3 - 12 months
1.9% - 3.9% per month
Unsecured
& secured options
Decisions
in 24 hours
Top ups &
repayment holidays
Speedy stock purchases: Our Flexiloan Lite is the perfect solution for businesses who want to seize timely opportunities to purchase stock, such as for unexpected fluctuations in sales
Similarly, it’s also a good option for businesses who want to purchase stock in mass from a supplier holding a sale or who offers discounts on large orders. Businesses who experience seasonal fluctuations in demand or those looking to diversify their current product range could also benefit from the flexibility and speed offered by the Flexiloan Lite.
To cover an urgent VAT or tax bill: Our Flexiloan Lite is well-suited to covering the cost of an urgent corporation tax bill or VAT payment. We find that many small businesses spend the money set aside for these bills due to cash flow problems and so turn to the Flexiloan Lite to fund the bill payment.
Although VAT bills typically call for a large payment each quarter, many SMEs find it easier to pay this on a monthly basis as it provides more stability to cash flow. Similarly with corporation tax, this is a large annual payment which can be easier to pay monthly with the help of the Flexiloan Lite.
To bridge the gap in payment terms: Our Flexiloan Lite can help small businesses who have secured contracts with clients but have agreed to long payment terms of 90+ days. The Flexiloan Lite can provide breathing space and a boost to cash flow during this period between supplying the service/product and receiving payment.
The loan’s built-in flexibility means the customer can repay early on completion of the project, or part-pay early. Or, they can utilize the remaining funds for a longer period, helping them to build the momentum to continue taking on larger projects.
Small businesses shouldn’t be penalized for wanting to repay their loan early. That’s why we’ve committed to a Penalty-Free Promise, which ensures that you’ll never overpay on your business loan when you borrow with us.
| Other Lenders | Fleximize | ||
|---|---|---|---|
| Many charge a fee if you wish to repay your loan early. | We don’t charge any early repayment fees whatsoever. | ||
| Those that don’t will still charge you interest based on the original loan term, so if you’re repaying your 24-month loan after six months, you’re paying 18 months of interest. | With Fleximize, you only pay interest for the time you’ve had the loan. If you want to repay your 24-month loan after six months, we’ll recalculate the interest so you only pay interest for the six months you had the loan. | ||
| Some lenders won’t let you make overpayments, therefore if you’re ahead of schedule but you don’t have enough to settle your loan in full, you won’t save on interest. | Our loans are amortizing and you can make overpayments anytime - you’ll save on interest if you want to make overpayments without settling in full. | ||
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 a maximum of two months' revenue, up to £500,000. You can top-up your loan amount after a few 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.
We offer competitive interest rates starting from 0.9% per month with no hidden or early repayment fees. In fact, our Penalty-Free Promise means that if you repay in full early, your interest will be recalculated so that you only pay interest for the time you had the loan. This has allowed our customers to save an average of 44% on their total interest when they repay early.
Take a look at our quote page to get an idea of how much your loan could cost overall.
As standard, we ask for the following documents:
Depending on the complexity of your business, we might ask for further documentation, but we'll ensure this is as hassle-free as possible.
Still hesitating? Have a look at our full FAQs section or give us a call on 0207 100 0110 .
“ Honestly found this service very easy to use, compared to other services I have previously used. I have a designated point of contact and can see my business using Fleximize for years to come.”
Our business loan calculator will give you a better understanding of how much it will cost to take out a Fleximize business loan.
Flexiloan: Instant QuoteOur Flexiloan product is available to businesses trading for at least 12 months over a 12-48 month term. Use the inputs below to adjust your loan amount and term, and estimate your monthly repayments: |
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Our Penalty-Free Promise means you won’t be charged extra for repaying early. Find out just how much you could save through early settlement by adjusting the month of repayment in this section.
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This estimate is based on a monthly interest rate of , which may not reflect your final rate. A representative example of a loan of less than £25,000: 40.8% APR representative, based on a fixed annual rate of interest of 34.7% and an assumed loan amount of £15,000 over 18 months; equating to monthly repayments of £1,080.67 and a total repayable of £19,452.06. Please apply for a quotation. |
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Flexiloan Lite: Instant QuoteOur Flexiloan Lite product is available to businesses trading for at least 6 months over a 3-12 month term. Use the inputs below to adjust your loan amount and term, and estimate your monthly repayments: |
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Our Penalty-Free Promise means you won’t be charged extra for repaying early. Find out just how much you could save through early settlement by adjusting the month of repayment in this section.
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This estimate is based on a monthly interest rate of , which may not reflect your final rate. A representative example of a loan of less than £25,000: 43.1% APR representative, based on a fixed annual rate of interest of 36.4% and an assumed loan amount of £12,500 over 15 months; equating to monthly repayments of £1,049.36 and a total repayable of £15,740.33. Please apply for a quotation. |
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If you have any questions, drop us a line and a member of the team will be very happy to help.
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hello@fleximize.com
020 7100 0110
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