Pre-approved funding whenever you need it.

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What our customers say

Flexible credit that works for you

When you’re running a business cash often doesn’t come in as quickly as you’d like.

FlexiCredit gives you access to funding through an online portal which you can draw against at any time. There for you whenever you need it, whatever you need it for.

  • Pre-set funding limit
  • Draw cash up to your available balance
  • Request by 4pm for same-day cash
  • Fixed monthly fee plus competitive interest on what you use
  • Available for companies with a turnover of up to £600k
  • No invoice admin and you deal directly with your customers
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We’ll create your FlexiCredit account

This is the account your customers will pay into.

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We’ll give you a rolling credit facility

An agreed amount you can quickly access whenever needed.

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You get funding without the admin

We only need your total invoice figure each month plus any credit note figures

Give me the facts

ELIGIBILITY Any business with a turnover up to £600,000 or under that provides credit terms to other businesses
AMOUNT Funding between £25,000 - £75,000
DURATION 12 month minimum term with rolling contract thereafter
RATE Fixed monthly fee plus competitive interest on what you use
SPEED OF DECISION Decision in principle by next working day
SECURITY REQUIRED Personal Guarantee and Debenture
FACILITY SET UP Once we have supporting documents and a signed agreement your facility will be set up the next working day
ACCESS TO CASH Same day payment (as long as requested before 4pm)
PAYMENT OF FEES Automatically deducted from your FlexiCredit account every month
SERVICE Online self service

How to apply

Use the form below and one of our team will get back to you within 24 hours for a chat.

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Please provide a value for Business name

Please provide your Annual Turnover


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Your questions answered


Who is FlexiCredit for?

Does your business have a turnover of £600,000 or under? Do you get paid by invoicing other businesses? FlexiCredit was designed for you.

Why choose FlexiCredit?

When you’re waiting for clients to pay there’s always that element of uncertainty. Will they pay on time? Is there enough in the account to cover your own bills? Cashflow is a constant juggle, but FlexiCredit takes the pressure off.

Whenever you need a cash injection, we can have the funds in your account on the same day. Once we set your FlexiCredit limit, there’s no further application or approval process to go through. 

How much can I borrow?

We base the facility on your sales ledger and can offer £25,000 up to £75,000.

What if I need to borrow more?

Not a problem. Our products are tailored towards specific business stages, so if you find yourself looking for greater funding we can talk you through a range of other funding options.

How long is funding available?

As long as you need it. FlexiCredit is done on a 12 month minimum term with a rolling contract thereafter, so it’s always there for you ‘on standby’ whenever you need it.

How much does it cost?

Fixed monthly fee plus competitive interest on what you use

Can I have Invoice Finance and FlexiCredit?

FlexiCredit is like a simpler form of Invoice Factoring, so there’s no need to have both. Many customers who already had Invoice Finance with us have moved onto FlexiCredit because it’s easier. There’s no monthly invoices to submit.

Why don’t you need to check my monthly invoices?

We pre-approve your credit limit when we set up your account and all you have to do is give us the value of your invoices and credit notes each month.

Who manages my account?

The beauty of FlexiCredit is that you can do everything through your online account. When you need funds simply log in to your online account and request from your available balance. Do it by 4.00pm and the cash will be available later that day. It’s that simple. Any questions, we’re only ever a call or email away.

How do I apply?

Just click ‘Apply’ to fill in a quick enquiry which will enable us to do the necessary searches (don’t worry, this won’t affect your credit rating). We’ll then give you call to chat things through and complete the application form and give you a call to chat things through. Once your supporting documents are in place we can set up your account.

What documents do I need to provide?

We try to approve your application as quickly and painlessly as possible. To help us do this we need you to provide 3 months’ bank statements, aged debtors and creditors reports, latest financial accounts, sample paper trail and confirmation of HMRC.

How soon will I get a decision?

We'll give you a decision in principle by the next working day after submitting your application. The sooner you get in touch, the sooner we can get things moving.

Want to speak to someone?

We’re always here to support you and your business in a way that best suits you.


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