FlexiPay adapts to all the ups and downs of your business. No fluff, just flexibility to pay. Get approved and set up for free when you apply directly. Then use your credit to spread any cost into predictable instalments.
Apply as a limited company with no credit score impact
Up to £250,000 credit limit
Card, transfer or straight into your bank account
Flat fee from 1.99% per use
No interest, no forex fee
UK-based, human support team on hand
Pay upfront for whatever you need, from bills to stock. Then split it over 1-12 instalments, with one simple flat fee applied each time.
Money left over? Choose to pay back early and waive the remaining instalment fees to save more*. You're never locked-in, with no risk to your all-important cash reserves.
Get an instant decision on a rechargeable limit in minutes. Then use it straight away and keep dipping in again and again.
As a busy business, you may not have time to waste. That's why we've removed the hassle of reapplying. You'll have the ability to move quickly on any cash flow need or last-minute opportunity.
We're for small businesses, unlike the big banks that work for the masses or niche lenders who may offer narrow funding solutions.
That's why we only charge one flat fee for repayments, without complex costs or compound interest. So you'll know exactly what you're paying upfront, every time.
FlexiPay is the tool that gives you complete cashflow control. Pay by card wherever VISA is accepted, transfer to another UK bank account, or withdraw funds directly to your own business bank account. Pay your way in just 4 simple steps:
Apply in 3 minutes to get your instant decision - no documents needed.
Activate your account to start making payments. Funds can be in your bank account on exactly the same day**. Your brand new credit card then follows in the post.
Get what you need upfront, then pay over 1, 3, 6, 9, or 12 months. It’s just one simple, flat fee from 1.99%, per transaction. Zero compound interest.
No lock-ins because our instalments are flexible. Clear your balance early to free up your credit limit. There’s no settlement penalty and you’ll only pay for what you use.
8 Rocks Deli & Wine
London
"If you have a VAT bill, salaries to pay, a supplier invoice – you can use it for anything really. I’ve actually recommended it to a few friends who have businesses."
Businesses like yours are using FlexiPay to power their goals, with more than £1billion transactions so far.
No hidden fees, complex costs or foreign exchange fees when using your card. You’ll know exactly what your outgoings are ahead of time, making it the perfect tool to control your cash flow. Why not see for yourself:
| Pay in 1, fee-free (card only) | Pay in 3 | Pay in 6 | Pay in 12 |
|---|---|---|---|
| Example: Pay €1,000 for an international software subscription | Example: Spend £1,000 on office equipment | Example: Cover a £1,000 supplier invoice | Example: Withdraw £1,000 into your bank account |
| You'll pay: €1,000 Your total repayment: €1,000, with no standard flat fee or forex fees applied when using your card | You'll pay: £346.63 per month Your total repayment: £1,039.90, with our standard flat fee applied | You'll pay: £179.98 per month Your total repayment: £1,079.90, with our standard flat fee applied | You'll pay: £96.66 per month Your total repayment: £1,159.90, with our standard flat fee applied |
Please note that the breakdown above is an example only. The actual fee your business pays is determined by several factors, including our credit assessment process
Easily track your spending and choose or update your payment plans for each transaction through our secure portal or mobile app.
FlexiPay is free to set up when you apply directly at fundingcircle.com and comes with no interest or annual fees. We’ll just charge one dynamic fee on each transaction depending on the term of the instalment you choose.
If you’d like to settle your entire balance early, you’ll reduce the total cost of your instalment plan. This feature is available to customers who joined after July 2024.
FlexiPay is designed to offer more flexibility with almost any business payment. You can use it to pay recurring bills like VAT, rent, and utilities, or even make supplier payments to manage your inventory without a long-term loan commitment. You can also use your card for everyday expenses and larger purchases, both online and in-store. By paying upfront or in bulk, you might even be able to negotiate better deals with suppliers, ultimately reducing your overall costs.
The minimum bill or supplier payment is £100. There is no minimum spend on your card. Remember you cannot spend over your credit limit.
Your Visa card allows you to shop online and in store. You can also use your card abroad for international payments and we won't apply any foreign exchange fees. However, foreign card transactions are subject to Visa's exchange rates. Keep in mind that cash withdrawals and gambling transactions are not supported by this card.
You can track all of your FlexiPay expenses in the FlexiPay app or your online account. Download the app by searching for 'FlexiPay by Funding Circle' in the Apple App Store or Google Play Store. With the app, you can keep track of your spending, authorise larger card transactions and make supplier payments all within a few taps.
Staying on top of your repayments is easy with FlexiPay. You can view your upcoming payments and their due dates in the 'Repayments' or 'Billing' tab of your online account or in our mobile app.
Yes, you can access your PIN quickly and securely within the mobile app or on our website. Simply navigate to the 'Card' tab and select 'Retrieve PIN'. For your protection, the PIN will only be displayed for 20 seconds.
Some Credit Cards are covered under Section 75 of The Consumer Credit Act 1974 which provides protection to consumers when making purchases using credit cards. This makes the credit card company jointly liable with the retailer for goods and services purchased using the credit card.
However, Section 75 of The Consumer Credit Act 1974 protects private individuals, rather than businesses or other organisations and therefore Section 75 protection does not apply to transactions made using FlexiPay.
Yes, FlexiPay lets you cover virtually any international business cost upfront - wherever VISA is accepted - then spread it over interest-free instalments for a simple flat fee each time, just like you would in the UK.
However, if you use your FlexiPay card, you won’t be charged any foreign exchange fees (forex) for international payments. This means you won’t need to account for unexpected costs, and the price you agree online or with your supplier is the amount you’ll pay.
Sign in to your online account and head to the 'Pay' screen to pay a supplier. Then enter your business bank details into the payment form, click 'Make a Payment' and then 'Pay your bank account'. Finally, you'll be prompted to submit your request, just like a regular payment.
Yes, you are able to transfer from your FlexiPay account to the same business bank account you use to make your FlexiPay repayments.
You may borrow straight from your FlexiPay account to:
In short, yes. However, cash advances typically include a higher fee and annual percentage rate (APR) separately. You'll be charged the same flat fee to transfer funds directly from your business account, as for any other payment reason.
You can transfer funds directly to your business bank account in your online account, but will be unable to make ATM cash withdrawals using your FlexiPay card. You must not use your FlexiPay account or credit card to pay off any loan or other debt owed to us or anyone else.
* This feature is available to customers who joined after July 2024.
** Your funds will be paid out on the same day if you draw down before 2pm on that day. Applies to working days only.
FlexiPay is the smart choice for covering cash flow gaps. But what if there was a way to turn your everyday business expenses into savings?
With our business cashback credit card, you'll earn up to 2% cashback on spending up to £2,000 in the first 6 months. It’s the perfect way to ensure every pound you spend helps to build your business.
