Flexible Business Loans

Finance designed to help you grow your SME at your own pace

Our range of revolutionary business loans come with an abundance of flexible features, plus two repayment options, including our pioneering product — the UK’s first ever revenue-based loan.

The below information will help you choose the best option for your limited business or LLP. You don’t need to worry about deciding straightaway. When your application arrives, one of our relationship managers will contact you to help select the most suitable product.

The basics of flexible funding

Key features of a flexible business loan

  • Borrow £5,000 - £500,000
  • Unsecured and secured borrowing options
  • Repay over a flexible term of one month to 48 months
  • Choose from two types of repayment: Revenue Advance or Flexiloan
  • Dedicated relationship manager to guide you through the process
  • Top-ups and repayment holidays
  • Simple 5 - 10 minute online application
  • Receive funding in as little as 48 hours

Get started: Apply now

Flexible repayment options: choose from two types of repayment

Whichever trade you’re in, Fleximize is the only lender you’ll need to help grow your venture. Our Revenue Advance and Flexiloan repayment options are specially designed around the needs of SMEs, and support them through every stage of their growth.

Revenue Advance

Repay at your business’ own pace

Our innovative Revenue Advance allows you to align repayments with fluctuations in your business activity, making it the perfect option for seasonal enterprises.

Tailored Options

We work with each and every company to create a repayment model that suits your business.

Pay As You Grow

Our no-fixed-repayments approach means your business isn’t put under strain. Instead you only pay when you make sales. The quicker you grow, the faster you repay.


There’s absolutely no fee for upfront or early repayment, and you know the total amount to be repaid from the outset.

There are no fixed interest or capital repayments every month; you simply pay us a percentage of your revenue until the agreed amount is repaid. You can use the loan for anything from buying inventory and upgrading your premises, to revamping your website and recruiting more staff. The Revenue Advance cushions the impact of outgoings or a temporary slowdown in sales, reducing risk to your business.

We’ll work with you every step of the way, and calculate what you owe each month based on your actual sales figures. Fleximize’s Revenue Advance has been likened to the Merchant Cash Advance (MCA) model. However, unlike MCA, the Revenue Advance model costs you less, takes into account all of your monthly sales and you’ll pay once a month, not daily.

Our Revenue Advance is only available on an unsecured basis.

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Flexiloan (fixed term)

The traditional fixed-instalment loan with a modern spin

We’ve married the proven model of bank-style lending with a more flexible, tailored approach designed for today’s fast-evolving SME market.

1-to-1 Attention

Our flexible approach is new, but we believe in the banking ethos of old, which is about getting to know customers. That’s why we give you your own dedicated relationship manager who works closely with you to help find the right solution for your business.

21st Century Bank Loan

Like bank loans, you have the comfort of knowing what you’ll repay each month. With our updated loan, you can top up during the term of your loan and take principal repayment holidays when the slower months hit.


There’s absolutely no upfront or early repayment fees, and you know the total amount to be repaid from the outset. Repay as soon as you wish.

Our Flexiloan repayment option is available on an unsecured and secured basis. The fixed monthly payments mean you know in advance how much you’ll pay with each instalment, and the exact length of your payment term.

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Do I fit the criteria?

Our flexible business loans are available to limited companies and LLPs.

To qualify for a flexible business loan you must meet the following basic criteria:

  • Your business is a UK-registered limited company
  • You are a director / owner / partner of the business
  • Your business must have been trading for at least six months

If you fit the basic criteria, we’d love to see if we can help fund your business.

Lending Amount vs Revenue

There are some additional criteria for assessing whether we can lend to you and the amount that you can borrow. As Fleximize is a revenue-based lender, the size of our loans are based on your monthly revenue (also known as sales, takings or income). As a rule of thumb, we’re able to initially lend between 1-2x your monthly revenue.

Let’s say your revenue averages £10,000 each month. We’d be able to initially lend from £10,000 - £20,000, with the potential to top up your loan after three successful repayments.

What does it cost?

We pride ourselves on being totally transparent with our customers. Either use our loan repayment calculator for a better understanding of how much it will cost to take out a Fleximize business loan, or simply call a member of our team on 0207 100 0110 to get a tailored quote based on your business’ needs.

We don’t charge any fees, and you’ll simply pay interest for the term of the loan. Also, if you repay early, you’ll only ever pay interest for the period you have the loan.

Straightforward application

Apply online in just five minutes, and one of our relationship managers will keep you up to date every step of the way.

Step 1

Apply online

Take a few minutes to apply and receive a decision in principle within 24 hours

Step 2

Speak to a relationship manager

Your dedicated relationship manager will take you through a bespoke proposal customised to meet your needs

Step 3

Receive funding

After signing your financing agreement, your funding will be sent within hours

What we’ll need from you

Once you’ve submitted your online application and passed initial credit checks, one of our relationship managers will be in touch to request some documentation. This can range from a couple of items to the full list (see below) - it depends on a number of variables including the size of your business and how much you’d like to borrow.

  • The purpose of the loan
  • Your and your company's contact information
  • Contact details for any directors or shareholders with at least a 25% share in the business
  • Most recent three months’ bank statements relating to all business accounts
  • A copy of your latest year-end accounts
  • Up-to-date management accounts
  • VAT returns for the last 12 months (if applicable)
  • Breakdown of your latest 12 months’ revenue

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More questions?

Visit our FAQs section, download our Ultimate Guide To Business Funding, or speak to a relationship manager on 0207 100 0110?