There are lots of business credit cards, but FlexiPay lets you call the shots on your payments. Spread virtually any cost over 1 to 12 months. If you have money left over, pay down early and reduce future fees. Your instalments adapt to you, not the other way.
Apply as a limited company without affecting your credit score
0% interest
No fees when you pay off your card balance in full each month
Flat fee from 1.99% for cash transfers
Credit limit up to £250,000
No forex fee when using your card
We know that business finances rarely move in a straight line. Luckily your card’s designed for all the ebbs and flows:
Get up to £250,000 credit that replenishes again and again
Pay by card wherever Visa is accepted, transfer to another UK bank account or withdraw funds straight to your business account.
Repay card balance in full fee-free, or split across 3 to 12 months, depending on your cash flow
Spreading your payments? You can waive future fees. Pay for what you use, and not a penny more.
"Absolutely fantastic service, so easy to raise funds for future investment, cash flow etc. Breath of fresh air compared to mainstream lenders and banks. I love the flexibility. No super high interest rates and no early repayment fees."
Brett, May 2024
From buying in bulk to scaling up, we’ve got you covered. Put your FlexiPay card to work today. It’s designed to keep everything running smoothly:
No hidden fees, complex costs 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, making it the perfect tool to control your cash flow. Why not see for yourself:
| Pay in 1 | 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 |
| Your total repayment: €1,000, with no standard flat fee or forex fees applied | 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 |
*The 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.
