Managing large equipment purchases with FlexiPay

Those new laptops for the office. The commercial-grade kitchen equipment. The specialised manufacturing machinery that could transform your production capabilities. Major equipment purchases often represent a significant step forward for your business, but they also come with a hefty price tag that can disrupt your cash flow. Fortunately, there are ways to handle these investments without depleting your reserves – that’s where FlexiPay from Funding Circle comes in.

In this guide, we look at how FlexiPay can help you make those big-ticket purchases without causing bumps in your cash flow. 

Growth vs. stability

Large equipment purchases present a classic dilemma for many businesses. On one hand, investing in new equipment can increase efficiency while expanding your capabilities and driving more revenue. On the other hand, considerable upfront costs can strain your working capital and limit your ability to manage day-to-day operations.

This is especially challenging for small and medium-sized enterprises where cash reserves might be limited. Making a large single payment could mean:

• Reducing funds available for regular expenses like payroll or rent
• Limiting your ability to take advantage of other opportunities
• Creating vulnerability if unexpected costs arise
• Potentially delaying other important business investments

Many business owners face a difficult choice: either slow down on growth or risk financial instability. But it doesn’t have to be this way. There is a third option that can help address both concerns.

A smarter approach to equipment investment

Instead of viewing equipment purchases as all-or-nothing transactions, consider how spreading the cost over time can reshape your approach to business investment. Here’s why this strategy can help:

Preserve your cash flow

When you spread equipment costs over multiple months, you maintain healthy cash reserves for day-to-day operations. You can invest in growth without compromising your ability to cover regular expenses.

Match costs to benefits

New equipment typically generates returns over time, not immediately. By spreading payments, you better align your payment schedule with the revenue the equipment helps generate.

Respond to opportunities

With more working capital available, there’s every chance you can remain agile enough to respond to unexpected opportunities or challenges that arise in your business.

Scale more effectively

Rather than making periodic large investments that put a strain on your resources, plan a more consistent approach to upgrading and expanding your equipment.

How FlexiPay works for equipment purchases

FlexiPay is designed to give your  business more control over how you manage large expenses like equipment purchases. Unlike traditional finance options that can be rigid, FlexiPay offers a dynamic approach that puts you in control.

With FlexiPay, you can:

• Pay upfront in full for equipment and supplier invoices, then spread repayments over 1, 3, 6, 9 or 12 months
• Choose your repayment schedule to align with your business’s cash flow patterns
• Pay a simple flat fee per transaction instead of dealing with complex interest calculations
• Make payments by card, direct transfer to suppliers or into your own bank account, offering flexibility in how you pay
• Access credit limits up to £250,000 for larger equipment investments

Learn more about FlexiPay

Flexible payment options to suit your business needs

FlexiPay also gives you multiple ways to handle your equipment purchases, adapting to how you and your suppliers prefer to work. You can make immediate equipment purchases using your FlexiPay card in-store, online or over the phone. 

For suppliers who prefer bank transfers, you can transfer funds directly to their account, just like making a standard bank payment. You can even move money straight into your business bank account to cover equipment costs or other related expenses. 

FlexiPay’s versatility means you’ll always have a convenient payment option available, while still enjoying the flexibility to spread repayments over your chosen timeframe.

Using FlexiPay can help you make investments on equipment without the cash flow constraints that typically come with large purchases. You pay for the equipment in full upfront – securing any available discounts for immediate payment – while maintaining the flexibility to repay in a way that works for your business.

Equipment investments on your terms

Managing large equipment purchases doesn’t have to mean choosing between growth and stability. With FlexiPay, you can invest in the equipment your business needs while preserving the cash flow that keeps your operations running smoothly. It’s a balanced approach that means you can pursue opportunities without compromising your financial security.

Take control of your equipment purchases by applying for FlexiPay today. 

24/06/2025: While we want to help as much as we can, the information found here is provided solely for informational purposes and should not be considered financial or legal advice. To the extent permitted by law, Funding Circle does not accept any liability for any loss or damage which may arise directly or indirectly from the use of, or reliance on, the information contained here. If you have any questions, please speak to your professional adviser or seek independent legal advice.