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preferences will apply to this website only. You can change your preferences at
any time by returning to this site or visit our privacy policy.
AgreeMore options
 * Business Loans
   
   Business Loans
    * Business Loans Borrow £10,000 to £500,000 with an affordable small
      business loan.
    * Recovery Loan Scheme Information about the Government’s Recovery Loan
      Scheme
    * How To Get a Business Loan Find out how to get a business loan with our
      step-by-step guide
    * Business Loan Calculator Find out how much you can borrow with our small
      business loan calculator
    * Self Employed Loans Finance options for sole traders and self-employed
      business owners
    * Unsecured Business Loans Borrow without having to use your business assets
      as collateral
   
   LOANS DESIGNED TO SUIT YOUR BUSINESS
   
   Simple, affordable business loans to help you grow, adapt and achieve your
   goals. Apply in 10 minutes and get a quick decision.
   
   Explore business loans
   Back to top
 * Line of Credit
   
   FlexiPay
    * FlexiPay Get a flexible, interest-free line of credit of £2,000 to
      £250,000
    * FlexiPay business card Pay your everyday business costs in monthly
      instalments
   
   FLEXIPAY – AN INTEREST-FREE LINE OF CREDIT
   
   Manage your cash flow and spread the cost of purchases, supplier invoices and
   business bills over 3 months
   
   Explore FlexiPay
   Back to top
 * About us
   
   About Us
    * Why Funding Circle? We’ve been 100% focused on SME lending since 2010,
      helping thousands of businesses reach their goals
    * Contact Us Get in touch with our team with any questions
    * Careers Find our latest vacancies and discover why Funding Circle is a
      great place to work
    * Diversity & Inclusion Discover how diversity and inclusion drive
      innovation at Funding Circle, and sit at the heart of our culture
   
   ABOUT US
   
   Founded in 2010 to give small and medium-sized businesses better access to
   finance, we’ve helped more than 120,000 businesses access over £13 billion in
   finance
   
   Learn more
   Back to top
 * Tips & Guides
 * 
 * Sign in
 * Apply now
   × Get started with finance that's right for you
   
    * BUSINESS LOANS
      
      Fast, fixed-rate loans with repayment terms from 6 months to 6 years.
      
       * Borrow £10,000 – £500,000
       * No fees to settle early
       * Rates from 7.9% per year
      
      Apply for a business loan
      Learn more
   
    * INTEREST-FREE LINE OF CREDIT
      
      Use FlexiPay to spread business costs over 3 months.
      
       * £2,000 to £250,000 credit limit
       * Free to set up
       * 0% interest, flat 4.5% fee
      
      Apply for FlexiPay
      Learn more
   
   Already a customer? Please sign in to your account to see which products
   you’re eligible for.
   
 *  * Business Loans
      Business Loans
       * Business Loans Borrow £10,000 to £500,000 with an affordable small
         business loan.
       * Recovery Loan Scheme Information about the Government’s Recovery Loan
         Scheme
       * How To Get a Business Loan Find out how to get a business loan with our
         step-by-step guide
       * Business Loan Calculator Find out how much you can borrow with our
         small business loan calculator
       * Self Employed Loans Finance options for sole traders and self-employed
         business owners
       * Unsecured Business Loans Borrow without having to use your business
         assets as collateral
      
      LOANS DESIGNED TO SUIT YOUR BUSINESS
      
      Simple, affordable business loans to help you grow, adapt and achieve your
      goals. Apply in 10 minutes and get a quick decision.
      
      Explore business loans
      Back to top
    * Line of Credit
      Line of Credit
       * FlexiPay Get a flexible, interest-free line of credit of £2,000 to
         £250,000
       * FlexiPay business card Pay your everyday business costs in monthly
         instalments
      
      FLEXIPAY – AN INTEREST-FREE LINE OF CREDIT
      
      Manage your cash flow and spread the cost of purchases, supplier invoices
      and business bills over 3 months
      
      Explore FlexiPay
      Back to top
    * About Us
      About Us
       * Why Funding Circle? We’ve been 100% focused on SME lending since 2010,
         helping thousands of businesses reach their goals
       * Contact Us Get in touch with our team with any questions
       * Careers Find our latest vacancies and discover why Funding Circle is a
         great place to work
       * Diversity & Inclusion Discover how diversity and inclusion drive
         innovation at Funding Circle, and sit at the heart of our culture
      
      ABOUT US
      
      Founded in 2010 to give small and medium-sized businesses better access to
      finance, we’ve helped more than 120,000 businesses access over £13 billion
      in finance
      
      Learn more
      Back to top
    * Tips & Guides
   
   Apply now
   × Get started with finance that's right for you
   
    * BUSINESS LOANS
      
      Fast, fixed-rate loans with repayment terms from 6 months to 6 years.
      
       * Borrow £10,000 – £500,000
       * No fees to settle early
       * Rates from 7.9% per year
      
      Apply for a business loan
      Learn more
   
    * INTEREST-FREE LINE OF CREDIT
      
      Use FlexiPay to spread business costs over 3 months.
      
       * £2,000 to £250,000 credit limit
       * Free to set up
       * 0% interest, flat 4.5% fee
      
      Apply for FlexiPay
      Learn more
   
   Already a customer? Please sign in to your account to see which products
   you’re eligible for.

Apply as a limited company without affecting your credit score


FREE YOUR CASH FLOW WITH FLEXIPAY

--------------------------------------------------------------------------------

Our interest-free line of credit gives you the flexibility to spread business
costs, pay bills, negotiate better terms with suppliers, make purchases and much
more.

Check your eligiblity
Apply now

Apply as a limited company without affecting your credit score


REPAYMENT CALCULATOR

Payment reason
Please select the reason Tax/VAT Stock or inventory purchase Delivery and
logistics services Professional services Rental Wages Other
Payment amount
£

After fee, the maximum payment is £239,234

After fee, the maximum payment is £239,234

3 MONTHLY REPAYMENTS OF


£ 1,045

Fee (4.5%)
£ 135
Total repayable
£ 3,135
Excellent

13,826 reviews



FREE YOUR CASH FLOW WITH FLEXIPAY

--------------------------------------------------------------------------------

Our interest-free line of credit gives you the flexibility to spread business
costs, pay bills, negotiate better terms with suppliers, make purchases and much
more.

Check your eligiblity
Apply now

Apply as a limited company without affecting your credit score


REPAYMENT CALCULATOR

Payment reason
Please select the reason Tax/VAT Stock or inventory purchase Delivery and
logistics services Professional services Rental Wages Other
Payment amount
£

After fee, the maximum payment is £239,234

After fee, the maximum payment is £239,234

3 MONTHLY REPAYMENTS OF


£ 1,045

Fee (4.5%)
£ 135
Total repayable
£ 3,135
Excellent

13,826 reviews
Excellent

13,826 reviews

 * £2,000 to £250,000 credit limit
 * Always 0% interest
 * No annual or set up fees
 * Flat 4.5% fee on each invoice


Manage your cash flow and spread costs

--------------------------------------------------------------------------------

You only need to apply for FlexiPay once and, if approved, you’ll get a line of
credit of £2,000 to £250,000 When you have an invoice to pay, simply enter the
details online and we’ll make a secure payment in your name. You then repay over
3 months for a flat 4.5% fee.

Businesses are using FlexiPay to:

--------------------------------------------------------------------------------



 * Pay VAT, energy or other business bills
 * Purchase stock or equipment
 * Bulk buy or negotiate better terms with suppliers
 * Spread quarterly costs out monthly

--------------------------------------------------------------------------------


“FlexiPay helps me pay suppliers on time, keep a good reputation and manage cash
flow. I’d recommend it to others”

– Carl, FlexiPay customer
Check if you qualify

Apply for FlexiPay without affecting your credit score

--------------------------------------------------------------------------------

If you’re a limited company or LLP, you can get a decision and find out your
credit limit without affecting your credit score. So you can assess your options
with complete peace of mind.


1

Apply online in minutes
Tell us about you and your business in our online form.
2

Get your line of credit
Your credit limit will typically be 3% of turnover up to a maximum of £250,000.
3

Submit a business cost
Log in and enter the details of the bill, invoice or other business cost and
we’ll make a secure payment in your name.
4

Repay over 3 months
You’ll repay in 3 equal instalments, with 0% interest, and a flat 4.5% fee on
each invoice.
Apply now

We’ve helped over 135,000 businesses borrow £15.2 billion to take their business
further.
£15.2 billion
Lent to businesses
Frequently asked questions

--------------------------------------------------------------------------------



HOW MUCH DOES FLEXIPAY COST?

FLEXIPAY IS FREE TO SET UP AND THERE IS NO ANNUAL CHARGE, SO YOU ONLY PAY IF YOU
USE IT. THERE’S NO INTEREST EITHER, THERE’S JUST A FLAT 4.5% FEE ON EACH INVOICE
YOU PAY USING FLEXIPAY.

WHAT CAN I USE FLEXIPAY FOR?

YOU CAN USE FLEXIPAY TO PAY BILLS SUCH AS VAT, RENT, ENERGY AND OTHER UTILITIES.
YOU CAN ALSO PAY SUPPLIERS, ALLOWING YOU TO BUY STOCK OR EQUIPMENT.

BY USING FLEXIPAY TO PAY UPFRONT OR BULK BUY, YOU COULD EVEN NEGOTIATE BETTER
TERMS WITH YOUR SUPPLIERS, HELPING TO REDUCE YOUR COSTS.

WHAT SIZE INVOICE OR BILL CAN I PAY WITH FLEXIPAY?

THE MINIMUM BILL OR SUPPLIER PAYMENT IS £100, AND THE MAXIMUM IS WHATEVER YOUR
CREDIT LIMIT IS MINUS THE FLAT FEE.



 * FLEXIPAY BUSINESS CARD
   
   Our new card is here to help you manage your business costs and spread them
   over 3 months.
   
   Get FlexiPay business card

 * TIPS & GUIDES
   
   Find guides, tips and more in our dedicated resource centre for business
   owners.
   
   Learn more


Excellent

13,826 reviews

Excellent

13,826 reviews
0800 048 2467

MONDAY – THURS (9am–6pm)

FRIDAY (9am–4.30pm)

Contact us
FUNDING CIRCLE
About us
Statistics
Media
Shareholder Information
DISCOVER MORE
Institutional investors
Introducers
Tips & Guides
Careers
Diversity & Inclusion
Developers
Partner API
SUPPORT
Help
Contact us
LEGAL DOCUMENTS
Legal
Security
Modern Slavery Statement
OTHER
Sitemap
United Kingdom
 * United Kingdom
 * United States

FUNDING CIRCLE
About us
Statistics
Media
Shareholder Information
DISCOVER MORE
Institutional investors
Introducers
Tips & Guides
Careers
Diversity & Inclusion
Developers
Partner API
SUPPORT
Help
Contact us
LEGAL DOCUMENTS
Legal
Security
Modern Slavery Statement
OTHER
Sitemap

Copyright © Funding Circle 2023. All rights reserved
Funding Circle Limited is authorised and regulated by the Financial Conduct
Authority under firm registration number 722513.
Funding Circle is not covered by the Financial Services Compensation Scheme.
Registered in England (Co. No. 06968588) with registered office at 71 Queen
Victoria Street, London, EC4V 4AY.

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