Spread your corporation tax bill into manageable monthly instalments and keep control of your cash flow. Use FlexiPay to pay your HMRC bill today, then repay over 1, 3, 6, 9 or 12 months.
Apply as a limited company without affecting your credit score
Pay for VAT, tax, energy or other business bills
Take advantage of limited-time offers and discounts
Cover supplier payments and payroll
Choose quick card payments or cash transfers
0% interest, just one flat fee from 1.99% per transaction
Quick cash payments and business account direct debits
National Insurance Payments
Energy or other business bills
Quick cash payments and business account direct debits
Bulk stock purchases or new equipment
Supplier payments, payroll or unexpected invoices
Professional services such as marketing or accountancy fees
If you’re a limited company or LLP, you can get a decision on your credit limit without affecting your credit score.
No life stories or drawn out interviews. Just a short, simple online form to tell us who you are, and what your business needs.
Once approved, you’ll be ready to start making payments, and your card will arrive within 10 working days.
Spend on your card, or log in to your online account or app to transfer funds to a supplier or your business bank account.
Spread over 1, 3, 6, 9, or 12 months with no interest or hidden costs. Just a single flat fee per transaction.
If you’d like to settle your entire balance early, you’ll reduce the total cost of your instalment plan.
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."
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.
Small Business Loans
Learn how a fast, affordable loan could help your business.
Loans for small businessTips & Guides
Find guides, tips and more in our dedicated resource centre for business owners.
Learn more
