Flexible Credit
with FinCova and Funding Circle
Better flexible credit
Flexible credit gives businesses access to a reusable credit facility, allowing them to spread the cost of purchases over manageable repayments rather than paying upfront. Funding Circle’s FlexiPay solution provides eligible businesses with a flexible way to access credit, helping them maintain control over cash flow with transparent terms and a simple online application process.
Unlike traditional loans, FlexiPay offers ongoing access to credit up to an approved limit, with the flexibility to use funds as and when needed. Businesses can choose from a range of repayment options, including 0% interest plans on selected terms.
Get better flexible credit today, with Funding Circle.
Why choose FlexiPay?
Access credit limits of up to £250,000
Reuse your facility as repayments are made
0% interest available on selected repayment plans
No property or asset security required
Fast decisions, often within hours or days
Transparent terms with clear repayment options
Finally, pay later finance that works for businesses
Make payments upfront using your card, transfer funds directly to suppliers or pay directly into your business bank account. Then, spread the cost over 1 to 12 monthly instalments. Enjoy no interest charges, just a simple flat fee starting from 1.5% per transaction, or it’s completely fee free if you repay your card balance in one instalment.
Pay Later, with FlexiPay
Whether you’re aiming to expand, manage recurring invoices, or optimise cash flow, make business payments anytime, from anywhere and pay back later with FlexiPay.
Why choose Funding Circle?
1
Quick & easy application
Apply in minutes by providing basic business details and your funding needs.
2
Instant decision
Receive a credit offer up to £250K without affecting your credit score.
3
Fast card delivery
Get your card within 10 working days. But, you can start paying bills and suppliers immediately via cash transfer, which is just like making a bank transfer from your FlexiPay account.
4
Activate & spend
Use your card to make business payments anytime, anywhere.
From VAT and taxes to utilities like energy — stay on top of your outgoings.
Secure discounts by purchasing inventory upfront and at scale.
Upgrade or expand with new machinery and business tools.
Stay on track with supplier payments, payroll, and surprise invoices.
Sort quick cash payments, direct debits, and one-off transfers.
Ready to get started?
Applying is simple, and won’t impact your credit score. Get the flexible funding you need to grow your business with Funding Circle and FinCova.