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Finance by need · In partnership with Funding Circle

Working capital for the gap between busy and quiet.

Rent on the first, wages on Friday, the VAT bill in the quarter you’re least ready for it. Working capital finance keeps the business running while the takings catch up.

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What fits a working capital need.

Two products do this job well. Which one depends on whether the gap is a one-off or a rhythm.

Usually the answerFlexiPayA line of credit that sits there until you need it. Pay the bill, spread it over 1 to 12 months for one flat fee, and the limit recharges as you repay. Nothing to pay in a month you don’t use it.From £1,000 to £250,000 · 0% interest → For a bigger, one-off gapShorter-term loanA fixed lump sum over 6 or 12 months. Right when you can see the end of the gap, like a seasonal dip or a big contract that pays late.From £10,000 · fixed monthly repayments →

What businesses use it for.

VAT and tax billsPay HMRC on time, repay over the quarter.
Wages in a quiet monthJanuary in hospitality, August in a school-run café.
Rent and utilitiesFixed costs that don’t move when takings do.
Suppliers who want paying nowPay upfront, keep the account open, sometimes earn a discount.

An example.

A café with a £6,000 VAT bill due in January, its quietest month. On FlexiPay, it pays HMRC on the day, chooses a six-month term, and repays £1,000 a month plus one flat fee set when it was approved. By July the limit has recharged and the summer stock order can go on it.

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

How quickly can I have it?

Eligibility in 30 seconds, a decision typically within days, and the limit is available as soon as it’s set up. Most businesses apply before they need it.

What does it cost if I don’t use it?

Nothing. FlexiPay is free to set up with no annual fee. You pay a flat fee only on payments you make.

Can I pay a supplier directly?

Yes, by bank transfer from FlexiPay, or on the FlexiPay card anywhere Visa is accepted.

Is a loan ever better for working capital?

When the gap is large and one-off, a shorter-term loan over 6 or 12 months can be cheaper and simpler. We’ll tell you which.

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 the gap

    What needs paying, when, and how the takings run. 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

    Money moves, Atlas stays

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

Other things people finance.

Tell us about the gap.

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

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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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