Our Business Loans

Finance designed to help nurture your SME

Fleximize offers flexible business loans tailored to your company's growing needs. To date, we've lent over £100 million to SMEs across the UK, with two thirds of our customers returning to us for additional funding.

What we offer

  • Unsecured and secured borrowing options
    You can borrow between £5-500k over 1 – 48 months across our unsecured and secured borrowing options.
  • A dedicated relationship manager
    We pride ourselves on our customer service, so you’ll have the same relationship manager throughout, even if you return to us in the future.
  • Supporting more than just your business
    Our unique member benefits scheme gives you access to exclusive discounts on helpful business tools and services.

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Why people choose us

Fast & flexible

We can get you the funding you need in as little as 48 hours. We’ll also provide top-ups, repayment holidays and a flexible repayment term.

No hidden fees

We don’t believe in hidden fees. If you apply online there are no set-up, application or arrangement fees. You’ll know exactly what you’re paying upfront.

Repay early, pay less

We won’t penalize you for growing faster than expected. On average, our customers save 44% on interest by repaying early.

Personal service

We’ve been rated ‘excellent’ by our customers on Trustpilot. In fact, businesses we work with love us so much that two thirds come back for more funding.

“ 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.”

How it works

We know you want to stay focused on running your business. That’s why our process is quick and hassle-free:

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 have a dedicated relationship manager who will provide you with a final decision within 24-48 hours.

3. Funding Released Your funds will be sent over to you shortly after we receive the agreements, often on the same day.

Having applied on the Friday, Grant had £20,000 in his account by the end of the following Monday, allowing him to pay suppliers and free up cash flow.

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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.

We’re flexible on repayment terms. In general, you can borrow over a term of 1 - 24 months on an unsecured basis, and up to 48 months on a secured basis.

We offer competitive rates starting from 1.5% per month, with no hidden fees and no penalties for early repayment. If you repay early, your interest will be recalculated so that you only pay for the time you had the loan.

As standard, we ask for the following documents:

  • All business bank statements covering the last three months of trading.
  • The most recent set of management accounts.
  • A summary of your last 12 months' revenue, broken down by month.
  • We also need this form completed in order to assess each applicant’s business exposure due to Covid-19.

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.

We've won awards too

We’re proud to have been named ‘Best Business Finance Provider’ at the 2020 British Bank Awards, voted for by customers.

Our unique approach to lending has also secured us the ‘Innovation in the SME Finance Sector’ award at the 2018 Business Moneyfacts Awards.