Take control of your cash flow with a flexible line of credit, that gives you the freedom to decide when and how you make business payments.
Apply as a limited company without affecting your credit score
Pay by card or cash transfer
Repay in 1, 3, 6, 9 or 12 instalments
Simple flat fee on each transaction
0% interest & no annual fees
Credit limit up to £250,000
We know how frustrating it is when business payments don’t align, leaving gaps in your cash flow. FlexiPay is designed to give businesses more control, allowing you to choose how and when you pay your costs.
Simply pay with FlexiPay on your card or by transferring money directly, we’ll pay in your name, and then how you repay is up to you – whether over 1, 3, 6, 9, or 12 instalments.
Whether you’re paying a large supplier invoice, buying in bulk to get a discount, or seizing an opportunity on-the-go, you’ll always pay one, dynamic fee per transaction. No interest, no hidden costs, no surprises.
VAT, tax, energy or other business bills
Bulk stock purchases or new equipment
Supplier payments, payroll or unexpected invoices
Professional services such as marketing or accountancy fees
Business trip costs like tickets and hotels
Office furnishings and refurbishments
Shipping and other logistics costs
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 pay invoices or make transfer payments.
Choose to repay over 1, 3, 6, 9, or 12 months with no interest. Just a single fee per transaction to make it easy to control your cash flow.
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 and comes with no interest or annual fees. We’ll just charge one, dynamic fee on each transaction depending on how many instalments you choose.
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, in stores, and set up recurring payments for added convenience. You can also use your card abroad for international payments. However, 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. Simply click on the Repayments tab in either your app or online account to display all of your upcoming payments and their due dates in one place.
You can access your PIN quickly and securely within the app or on our website. Simply navigate to the "Card" tab and select the option to view your 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.
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
