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Finance by need · In partnership with Funding Circle

Buy the stock now. Pay for it as it sells.

Christmas lines in October, the summer drinks order in May. Stock finance lets you buy in bulk, take the supplier’s discount, and repay over the months it takes to sell through.

Check what fits Call 07543 804014
Excellent4.5 out of 5Trustpilot Pay the supplier on the dayRepay over 3 to 12 monthsNothing secured on the stock
In partnership with

What fits a stock order.

Two products do this job. Which one depends on the size of the order.

Usually the answerFlexiPayPay the supplier by bank transfer, choose 3 to 12 months, and repay as the stock sells. The limit recharges for the next season.From £1,000 to £250,000 · 0% interest → For a large seasonal buildShorter-term loanA fixed lump sum over 6 or 12 months for a build-up bigger than a FlexiPay limit would cover.From £10,000 · fixed monthly repayments →

What businesses use it for.

Seasonal stockChristmas, Easter, the summer: bought in time, paid for as it sells.
Bulk-buy discountsTake the supplier’s price for the bigger order.
A new range or supplierOpening orders without emptying the account.
Opening stock for a new siteFill the shelves and the cellar before the first day’s takings.

An example.

An off-licence buys £15,000 of Christmas stock in October on a six-month FlexiPay term; by March the stock has sold and the limit has recharged for Easter.

Illustration only. Your fee and limit are set by Funding Circle on application.

Can I use it with the cashback card?

Not alongside FlexiPay: the card isn’t currently available to FlexiPay customers, so it’s worth deciding which you want first.

Does the stock need to be secured?

No. Nothing is secured on the stock or on the business’s assets.

How fast is it?

Eligibility in 30 seconds and a decision typically within days. Most businesses set FlexiPay up before the order is due.

What if sales are slower?

The term is fixed when you make the payment, so the instalments don’t change. Sell through faster and you can repay early.

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. 1

    Tell us about the order

    What you’re buying, how much, and how long it takes to sell through. Ten minutes.

  2. 2

    We point you at the right product

    FlexiPay or a shorter-term loan. If neither fits, we say so.

  3. 3

    Check and apply

    Thirty seconds to check, about seven minutes to apply. Funding Circle decides.

  4. 4

    Stock arrives, Atlas stays

    Funds or the limit are live within days. We stay the number you ring.

Other things people finance.

Tell us about the order.

Ten minutes and a rough figure. We’ll tell you whether FlexiPay or a loan fits, or that neither does.

Excellent4.5 out of 5Trustpilot
Check what fits07543 804014

Important 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.

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