Need a card that’s made for your everyday cash flow and big business plans? FlexiPay lets you call the shots with an instant credit limit for your daily spend. Buy now and split the cost over 3-12 months for a one-off flat fee each time.
Apply as a limited company without affecting your credit score
Up to £250,000 credit limit
Pay off your card balance in full, fee-free
Repay over 3-12 months for a flat fee from 1.99%
No interest, no forex fees
FCA-regulated company
Not all business transactions are done by card. Like that supplier who only accepts cash transfers or a sudden payroll gap that needs filling. That’s why FlexiPay moves to your rhythm. Turn your credit limit into cash, right off the bat, without unfair fees holding you back. Plus every single transaction will be made under your business name to keep your bookkeeping simple and secure.
Unlike rigid, high-fee credit cards or overdrafts that slowly drain your margins, our dedicated tool lets you pay any day-to-day expenses and spread bigger costs over up to 12 months. It’s made to cushion your cash flow from unexpected hits, without the ties of long-term debt.
We're all for small businesses, unlike the big banks that work for the masses or niche lenders who may offer narrow funding solutions. You deserve to know your costs before time, every time. That’s why our card offers zero hidden surprises and a transparent flat fee per use. Giving you freedom to plan your next move.
We know that business finances rarely move in a straight line. Luckily your card’s designed for all the ebbs and flows, meaning you can spread your payments and not be locked into a tight plan. Surplus funds? Choose to settle early any time and only pay for the times you use your credit*. As your regulated partner, we work around-the-clock to provide peace of mind.
More than a standard business credit card. It's the financial tool that gives you total control over your cash flow. Choose to pay by card, transfer to suppliers, or withdraw straight to your bank account.
Apply online in 3 minutes with an instant decision, and start using your credit straight away. Your brand new credit card then follows in the post.
Pay for any expense and split the cost over 3, 6, 9, or 12 months, with just a flat fee from 1.99%. No compound interest.
Clear your balance early to waive remaining instalment fees. You’ll only pay for what you use. We don’t lock you in.
No complex APRs, hidden fees or foreign exchange fees when using your card. Just dip into your credit, then split it over 1-12 months. You’ll know exactly what your outgoings are ahead of time.
| Example | You'll pay | Total repaid | |
|---|---|---|---|
| Pay in 1, fee-free (card only) | Pay €1,000 to an overseas supplier | €1,000 | €1,000, with no standard flat fee or forex fees applied when using your card |
| Pay in 3 | Spend £1,000 on office equipment | £346.63 per month | £1,039.90, with our standard flat fee applied |
| Pay in 6 | Cover a £1,000 supplier invoice | £179.98 per month | £1,079.90, with our standard flat fee applied |
| Pay in 12 | Withdraw £1,000 into your bank account | £96.66 per month | £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
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 business 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.
