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 app or within your online account. Simply sign in to your account online or via the app to view them on the homepage.

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 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'.

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.

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

If it has 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 flexipay@fundingcircle.com.

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

Replacement cards should be with you within 10 working days.

Please log into the app once you have received your card, select the FlexiPay Card tab and then select 'Activate Card'. Once you've done this, your card will be ready to use.

Please log into 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.

To unblock your PIN, simply use your card with the correct PIN at an ATM. If your card is still blocked after doing this, please call our Operations team on 0800 048 2467 and we'll be happy to help.

You can view your transactions from the last 40 days on the home page of your app or account. Simply log in to view. If you want to view older transactions, you can also download your statements on the 'Repayments' page.

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

You can view all monthly statements for your card transactions within your app or online account. On the home page you will be able to see your card transactions from the last 40 days, and you can also view and download older statements on the 'Repayments' page.

You cannot change your PIN number, but if your PIN is compromised, please freeze your card and order a new one.

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 on the app or within your account. Please log in, select the Card tab and then 'Report lost or stolen 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 lost or stolen 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. 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 ends on the same date of the following month. Your statement is generated the next day.

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

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

Your cycle starts on the day your account was activated and ends on the same day of the following month.

During your billing period, you can choose how you want to repay: Pay Minimum, Pay in full, or any other amount. Whichever you choose will come into effect from the next billing date.

Any balance carried over to the next billing cycle might accrue interest.

Additionally, purchases made on the last day of the billing period may be posted in the following month's statement.

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 a default repayment method by logging into your app or 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 method.

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 applicable Visa rate and foreign exchange fee. We won't charge you anything else.

The only way to approve transactions is through our app or online. Download the app by searching for Funding Circle on the App or Play store. When approval is required, please open the app or log in online to go through with the payment.

Once you report a card as lost, stolen or damaged, you will be sent a replacement card.

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

1. Log in to your Funding Circle account
2. You will see an option to 'Freeze my card' at the bottom of the screen
3. Click on it, and an email will be sent to your registered email address containing a link to freeze your card
4. Your link will be live for 3 minutes, and will freeze your card for you immediately

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

You have 3 repayment options:

1. Pay Minimum - this is typically 10% of your oustanding balance, but it could be higher if you have any overdue interest or balance.
2. Pay Total balance - you can choose to pay off your total outstanding balance in full.
3. Pay Other amount - you can also choose to pay any other amount of your choice, as long as it is greater than the minimum payment required

Please note : if your outstanidng balance is less than £100, you will be required to pay your full outstaidnig balance and if your minimum to pay (10% of outstanding balance) is <£100, you would be required to pay £100 minimum.

You will earn 2% cashback for the first 6 months on all card spend after you open your account, then 1% uncapped cashback after that. Cash withdrawals will not be eligible. Your cashback will be automatically credited to your account when you make a payment towards your statement at the end of the month.

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.

Your Cashback card gives you up to 42 days interest-free credit.

You will not be charged any interest if you pay off your outstanding balance in full once your statement has been generated. If you choose to pay any other amount, interest will be charged on the remainder of the balance until it is paid off.

Your interest is calculated on a daily basis. We’ll add all interest to your account each month on the date we produce your statement. This means you generally pay interest on outstanding interest.

Interest continues to be charged on all outstanding balances, until you pay off your balance or a court orders you to pay off your balance. This means that when an amount is overdue for payment, we continue to charge interest at the rate that applies to that particular balance.

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