FlexiPay & Cashback

You can apply using our simple online form. It only takes a couple of minutes to complete and you’ll find out your credit limit straight away.

As a limited company, you can check their eligibility for FlexiPay and see your potential credit limit without impacting your credit score. This means you can decide if it's right for your business without any risk to your creditworthiness. We will only conduct a credit search if you choose to accept your FlexiPay offer.

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.

Both your spending balance and credit limit are easy to find in the mobile app or your online account. Simply sign in to your account online or via the app to view them on the 'Summary' page.

We understand you might be concerned if your supplier hasn't received your payment yet.

First, please double-check that the bank details you provided are accurate. If everything seems correct, don't worry! It usually takes 1-2 business days for the payment to reach your supplier.

If it has been over 2 business days, please call our team on 0203 308 9693 or email us at flexipay@fundingcircle.com and we'll be happy to help. Our operating hours are Monday to Thursday 9am to 6pm and Friday 9am to 4:30pm.

If your payment has bounced, we'll make sure to keep you posted.

Your payment requests will usually be processed and paid within 1-2 business days of being submitted.

If you suspect fraudulent activity on your account, please call our Operations team on 0800 048 2467 as soon as possible for assistance. Our operating hours are Monday to Thursday 9am to 6pm and Friday 9am to 4:30pm.

If you have concerns outside of these hours, please freeze your card in the interim by logging in to your account online or on the app. Select the 'Card' tab and then 'Freeze card'.

More information on how to spot and avoid fraudulent activity can be found on our Fraud Support page.

If you need to dispute a transaction, you can call our Operations team on 0800 048 2467 or email us at flexipay@fundingcircle.com for assistance.

Our operating hours are Monday to Thursday 9am to 6pm and Friday 9am to 4:30pm.

If you have concerns outside of these hours and you wish to freeze your card in the interim, you can do so by logging in to your account online or on the app. Select the 'Card' tab and then 'Freeze card'.

If your card has been lost or stolen you can cancel and reorder a card. You'll need to:

• Log in to the mobile app or your online account

• Select the 'Card' tab
• Select 'Report and order card'

Your current card will be cancelled immediately and a new card will be ordered. You'll also receive a new PIN, which you can view once your new card has arrived and been activated.

If your card has been stolen, you can also call our Operations team on 0800 048 2467 who can help you cancel your card and arrange a replacement. Our operating hours are Monday to Thursday 9am to 6pm and Friday 9am to 4:30pm. You can also email us at flexipay@fundingcircle.com.

If your card is damaged, but can still be used, you can request a replacement card while your current card is still active. Simply log in, select the 'Card' tab and then 'Report and order card'. Your existing card will remain active until the new card has been activated, at which point the old card will no longer be able to be used. As with lost or stolen, you will also receive a new PIN with your new card.

Replacement cards should be with you within 10 working days.

Just like any other FlexiPay payments, you can spread the cost of card transactions over convenient monthly instalments, which are collected automatically via direct debit. Your flat fee is also added to your transaction total, and spread over the 1, 3, 6, 9 or 12 instalments for your convenience. Benefit from no fee when you pay your card off in 1 instalment.

Yes, you can use your card globally – anywhere that Visa is accepted. You'll just be charged the applicable Visa rate and foreign exchange fee. We won't charge you anything additional.

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 select to 'Pay your bank account'. You'll then 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:

1. Pay suppliers in cash, when they request it
2. Transfer funds to cover direct debit payments

1. Cover bulk purchases or one-off expenses
2. Fund your petty cash for day-to-day needs

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.

It can take up to 10 working days after your application is approved for your card to arrive, so if it's been less than this please wait before getting in touch.

If it's been more than 10 working days and your card still hasn't arrived, please call our Operations team on 0800 048 2467 to order your replacement. You can also email us at cashback@fundingcircle.com.

Our operating hours are Monday to Thursday 9am to 6pm and Friday 9am to 4:30pm.

Please log into your online account or mobile app once you have received your card. You'll see the option to activate your card on the 'Summary' page. From here, you'll be prompted to set your default repayment option and enter details required for activation. Once this has been done, you'll be able to retrieve your PIN.

Please log into your online account or the app, select the 'Card' tab and then select 'PIN'. Your PIN will be visible for 20 seconds. Please note, your PIN is completely secure and our employees cannot see or access it.

You can view all the transactions you've made to date in the 'Overview' tab of your online account or under 'Home' in the app. You can also download your transactions in a csv file from your online account.

You can view your Cashback card limit, amount used and remaining balance all on the 'Summary' page of your app or online account.

You can view monthly statements for all your card transactions within your app or online account. Simply navigate to the 'Repayments' tab to view and download older statements.

You cannot change your PIN number, but if your PIN is compromised, please select 'Report card' and order a new one. You'll receive a new PIN with your replacement card, which you can view once your new card has arrived and been activated.

If you suspect fraudulent activity on your account, please call our Operations team on 0800 048 2467 as soon as possible for assistance.

Our operating hours are Monday to Thursday 9am to 6pm and Friday 9am to 4:30 pm. If you have concerns outside of these hours, please freeze your card in the interim by logging in to your account online or mobile app. Select the 'Card' tab and then 'Freeze card'.

More information on how to spot and avoid fraudulent activity can be found on our Fraud Support page.

If you need to dispute a transaction, you can call our Operations team on 0800 048 2467 or email us at cashback@fundingcircle.com for assistance.

Our operating hours are Monday to Thursday 9am to 6pm and Friday 9am to 4:30pm.

If you have concerns outside of these hours and you wish to freeze your card in the interim, you can do so by logging in to your account online or on the mobile app. Select the 'Card tab' and then 'Freeze card'.

If your card has been lost or stolen you can cancel and reorder a card. You'll need to:

• Log in to the mobile app or your online account
• Select the 'Card' tab
• Select 'Report and order card'

Your current card will be cancelled immediately and a new card will be ordered. You'll also receive a new PIN, which you can view once your new card has arrived and been activated.

If your card has been stolen, you can also call our Operations team on 0800 048 2467 who can help you cancel your card and arrange a replacement. Our operating hours are Monday to Thursday 9am to 6pm and Friday 9am to 4:30pm. You can also email us at cashback@fundingcircle.com.

If your card is damaged, but can still be used, you can request a replacement card while your current card is still active. Simply log in, select the 'Card' tab and then 'Report and order card'. Your existing card will remain active until the new card has been activated, at which point the old card will no longer be able to be used. As with lost or stolen, you will also receive a new PIN with your new card.

Replacement cards should be with you within 10 working days.

You can only use your card for in-store and online purchases, so you are unable to withdraw cash or request cashback.

Your balance and transactions will be visible in real-time in your online account or in the app. Your statements will be available at the end of your billing period.

Please note that purchases made on the last day of your billing period may be posted in the following month's statement.

Your billing cycle starts from the day your account is activated and will start on the same date each successive month. Your statement is generated the day after the end of each billing cycle. For example, if your account is activated on 5th January, your billing period will start on the 5th of every successive month and run until the 4th of the next consecutive month. Your statement will be generated and available for download on the 5th of every month.

If your account is activated between the 29th and 31st of the month, your billing period will start on the 28th of the month.

Please note that we are unable to change your billing period.

You will receive an email notification that your statement has been generated. You can then log in to view your statement details.

Your billing cycle starts from the day your account is activated and will start on the same date each successive month. Your statement is generated the day after the end of each billing cycle. For example, if your account is activated on 5th January, your billing period will start on the 5th of every successive month and run until the 4th of the next consecutive month. Your statement will be generated and available for download on the 5th of every month.

During your billing period, you can choose how you want to repay: Pay Minimum, Pay in full, or any other amount. Any balance that is not paid is carried over to the next billing cycle and will start accruing interest.

Please note, if your balance at the end of the month is under £100, you will be asked to pay your balance in full.

You can set default repayment terms by logging into your app or online account. On the day your statement is generated, a direct debit will be set up to take the repayment in accordance with your chosen repayment settings.

Please note, if your balance at the end of the month is under £100, you will be asked to pay your balance in full.

Yes, you can use your card globally - anywhere that Visa is accepted. You'll just be charged the Visa foreign exchange rate. We won't charge you anything else. Please note that card transactions are not permitted in any country on our prohibited countries list. We can share whether a given country is on this list if you request this information from us.

The only way to approve transactions is through the Funding Circle app or your online account. Download the app by searching for Funding Circle on the Apple App Store or Google Play Store. When approval is required, please open the app or log into your online account to authorise the payment.

If your card has been lost or stolen you can cancel and reorder a card. You'll need to:

• Log in to the mobile app or your online account
• Select the 'Card' tab
• Select 'Report and order card'

Your current card will be cancelled immediately and a new card will be ordered. You'll also receive a new PIN, which you can view once your new card has arrived and been activated.

If your card has been stolen, you can also call our Operations team on 0800 048 2467 who can help you cancel your card and arrange a replacement. Our operating hours are Monday to Thursday 9am to 6pm and Friday 9am to 4:30pm. You can also email us at cashback@fundingcircle.com.

If your card is damaged, but can still be used, you can request a replacement card while your current card is still active. Simply log in, select the 'Card' tab and then 'Report and order card'. Your existing card will remain active until the new card has been activated, at which point the old card will no longer be able to be used. As with lost or stolen, you will also receive a new PIN with your new card.

Replacement cards should be with you within 10 working days.

If you've lost your card and phone, you can freeze your card directly from your account online.

• Log in to your Funding Circle account.
• You'll see an option to 'Freeze card'  in the 'Card' tab of your online account.
• Select to 'Freeze my card' and an email will be sent to your registered email address containing a link to freeze your card.

• Your link will be live for 3 minutes, and will freeze your card for you immediately.

You'll receive the Cashback Business Credit Card Agreement to your email address after you accept your offer.

You can view supplemental conditions by clicking on this link: https://www.fundingcircle.com/uk/legal/borrower-agreement/

You have 3 repayment options:

Pay minimum - this is typically 10% of your outstanding balance, but it could be higher if you have any overdue interest or balance.

Pay total balance - you can choose to pay off your total outstanding balance in full.

Pay other amount - you can also choose to pay any other amount of your choice, as long as it's greater than the minimum payment required and less than your total balance (plus any interest and fees owed).

Please note: if your outstanding balance is less than £100, you'll be required to pay your full outstanding balance

You'll earn 2% cashback for the first 6 months on all card spend after you open your account, then 1% uncapped cashback after that. Your cashback will be automatically credited to your Cashback credit card account when you make a payment towards your statement at the end of the month. Please note that we cannot credit cashback earned directly to your bank account.

The time limited offer rate of 2% cashback for the first 6 months starts from the date your application was approved and is capped at £2,000 cashback.

Your cashback is credited to your outstanding balance as soon as you make a payment towards your previous statement. If you don't make a payment, you will not be able to claim your cashback.

Is my Cashback credit card interest free?

Yes, for 42 days. This is provided that you pay your balance in full by the due date in both your current and previous billing periods.

When do we charge interest?

- If you do not pay your balance in full by the due date, we'll charge interest on your balance from the date the card transaction(s) (and any fees) were added to your account until the date on which your balance is repaid in full. 

- If you're eligible to make cash withdrawals, we always charge interest on cash withdrawals from the date they're added to your account until the date you repay them in full. This is the case even if you pay your balance in full by the due date in each billing period.

If you'd like to cancel a recurring payment, please contact the merchant who can cancel it from their side.