FlexiPay

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 5 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, FlexiPay lets you cover virtually any international business cost upfront - wherever VISA's accepted - then spread it over interest-free instalments for a simple flat fee each time, just like you would in the UK. 

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 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.

You can order your card on our app which is available for download on the Google Play and Apple App stores. You can also order your card by logging in to your online account. Go to the 'Card' tab, click 'Order my card' and enter your address details. Once you've confirmed this, your card will arrive within 5 working days. Please note that you must enter a UK postal address.

Once your card is ordered, please allow up to 5 working days for delivery. If 5 working days have passed and your card hasn't arrived, feel free to contact our team on 0800 048 2467 to order your replacement. You can also email us at flexipay@fundingcircle.com.

Your card limit and your FlexiPay limit are the same thing, as your card is just one way of spending your line of credit. You can see your total credit balance in real-time within your account. This balance can be used for card transactions, transfers to suppliers, or bill payments.

Once you log in to the app or online account, your credit limit, amount used, and remaining balance are conveniently displayed for easy tracking.

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

If your used balance at the end of the month is less than £3, the £3 will roll over to the following month's statement.

For example, if your statement balance at the end of the month is £2.99, this amount will roll over and your starting balance will be £2.99.

Once you report a card as lost, stolen, or damaged, you'll be sent a replacement card. Your new card will arrive within 5 working days.

You can update your PIN at any ATM showing the VISA logo. We typically recommend going to a major high street branch. All you have to do is:

1 - Insert your card and type in your current PIN

2 - Select ‘PIN Services’ or ‘Other Services’ from the menu

3 - Choose ‘Change PIN’ and follow the steps to enter your new 4-digit number

Your new PIN will work straight away and automatically updates in your online account and app.

If someone else knows your PIN, please select 'Report Card’ instead so we can get a new card sent out to you safely. 

You can cancel your FlexiPay card by navigating to the 'Card' tab in your online account or mobile app and selecting the option to 'Freeze card'.

Please visit https://www.fundingcircle.com/uk/legal/borrower-agreement/ to view all the Terms & Conditions.

Yes, if you’re approved for FlexiPay, a personal guarantee will be required from one or more directors to secure your obligations under your credit agreement. You’ll need to ensure that the guarantor(s) in question have read, understood and signed the terms of our personal guarantee before we release any funds.

For more details on personal guarantees, please read our dedicated information page.

Please note that different rules may apply for Personal Guarantees for loans entered into under the government’s Recovery Loan Scheme or Growth Guarantee Scheme.

To change your direct debit details, please call our team on 0203 308 9190 or email us at customersolutions@fundingcircle.com.

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