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Pay it now. Spread it over months.
FlexiPay is a business line of credit that sits there until you need it. Pay a supplier, a tax bill or a stock order, then repay over 1, 3, 6, 9 or 12 months for one flat fee. No interest, and nothing to pay in a month you don’t use it.
What a payment costs.
One flat fee per payment, set by the term you choose and shown before you confirm. Three examples of how it runs.
| What you pay | Term you choose | Monthly instalment | Fee |
|---|---|---|---|
| £3,000 VAT bill | 3 months | £1,000 | One flat fee, set on approval |
| £8,000 stock order | 6 months | £1,333 | One flat fee, set on approval |
| £1,500 on the card, repaid in one go | 1 month | £1,500 | Fee-free |
Illustration only. Your fee percentage is set by Funding Circle when you’re approved and shown before you confirm each payment. Card payments repaid in one instalment carry no fee.
What you get.
A limit that waits in the background and a fee you see before you commit.
Pay by card or bank transfer
The FlexiPay card works anywhere Visa is accepted. Bank transfers go to any UK account, or you can withdraw to your own business account.
A limit that recharges
Repay and the room comes back. The same £10,000 can cover a bill every quarter.
Pick the term per payment
1, 3, 6, 9 or 12 months, repaid in equal instalments by Direct Debit.
Repay early, pay less
No lock-in. Clear a payment early and you stop paying for the months you didn’t use.
No foreign exchange fees on the card
Pay an overseas supplier on the card at Visa’s rate, with no FX fee on top.
Free to set up, no annual fee
Nothing to pay for holding the account. The only cost is the flat fee on payments you make.
Who can apply.
- A UK limited company or LLPSole traders and partnerships aren’t eligible for FlexiPay.
- At least one year’s tradingFunding Circle assesses the business on its accounts and bank statements.
- Minimum payment £100For bill and supplier payments. There’s no minimum spend on the card.
How it works with Atlas.
Atlas is a Funding Circle partner: we introduce, Funding Circle decides and lends, and we may receive a commission.
- 1
Tell us what you’d use it for
The bills, suppliers or stock that cause the squeeze, and roughly how much. Ten minutes.
- 2
Check eligibility in 30 seconds
A soft search that doesn’t touch your credit score.
- 3
Apply and get a limit
Funding Circle decides, typically within days. The limit is live as soon as the account is set up.
- 4
Use it when you need it
Pay, pick the term, repay by Direct Debit. We stay the number you ring.
FlexiPay or the cashback card?
They do different jobs, and you can’t hold both at the moment, so it’s worth choosing deliberately.
| FlexiPay | Cashback card | |
|---|---|---|
| Best for | Spreading a big cost over months | Everyday spend you already make |
| What you earn or pay | 0% interest, one flat fee per payment | 2% then 1% cashback |
| Interest free | Always; you pay a fee instead | Up to 42 days |
| Repay over | 1, 3, 6, 9 or 12 months | Monthly statement |
| Pay suppliers by bank transfer | Yes | No |
FlexiPay questions.
What can I pay with it?
Almost any business cost: VAT, rent, utilities, suppliers, stock, equipment, a card machine.
How do I repay?
Equal monthly instalments by Direct Debit over 1, 3, 6, 9 or 12 months. You can repay early.
What does it cost if I don’t use it?
Nothing. There’s no set-up fee and no annual fee. You pay a flat fee only on the payments you make.
How fast is it?
Eligibility in 30 seconds, a decision typically within days, and the limit is live as soon as the account is set up.
Can I pay international suppliers?
Yes, on the FlexiPay card, with no foreign exchange fees.
What’s Atlas’s role?
We’re a Funding Circle partner. We check it’s the right product for you and introduce you. Funding Circle decides and holds the agreement. We may receive a commission.
Related.
Set it up before you need it.
Ten minutes now, and the limit’s there for the next VAT bill.
Excellent4.5 out of 5TrustpilotImportant information. Atlas Payments (Robles Payments Limited, company number 16864953) introduces customers to Funding Circle Ltd, authorised and regulated by the Financial Conduct Authority. Atlas Payments does not lend and does not make lending decisions. All products are subject to status and a full assessment by Funding Circle; limits, rates and fees depend on your business and the product. Available to UK limited companies and LLPs. We may receive a commission from Funding Circle when a product is taken out.
Cashback business credit card: representative 34.9% APR (variable), rates from 14.9%. 2% cashback on eligible spend for the first six months, up to £2,000, then 1% uncapped. Up to 42 days interest free on purchases when the balance is paid in full. The FlexiPay Business Credit Card is issued by Monavate Ltd. Think carefully before borrowing. Repayments must be affordable for your business.