Flexabl Reviews

FlexABL offers fast, personalized invoice finance for small businesses, integrating with accounting software, with flexible terms and strong client relationships.

Here are the Trustpilot Reviews from Flexabl:

Here are the Reviews from Flexabl:

From day one, the team have been very quick and reliable at posting our cash receipts and dealing with any queries we have at the month end reconciliation. Drawdowns are always actioned promptly and they have even gone that extra mile when I was late requesting a drawdown – ensuring we still received our payment in time. Having used comparable facilities for over 18 years, the last 4 years with FlexABL Limited have been by far the best experience we have had. The level of personal customer service has been above and beyond what other banking organisations could provide and they have been more than open to new business opportunities that have arisen. Kirsty and Jenni, thank you! You make being a Wizard much easier...

Hayley Harnett

The service that I receive from Flex ABL is second to none, the staff are always willing to help and nothing is to much trouble.the portal for uploading invoices, drawing down funds is easy to use.I would recommend anybody looking for factoring to speak to the guys at Flex.

Luke Stone

I cannot speak highly enough of the service we receive from Flex ABL.Nothing is too much trouble and they are excellent with customer relationships. They always respond to emails and calls quickly and are super helpful if you need extra support during the more stressful times like VAT and wages.They are supportive and a really friendly business to deal with.

Lisa

As a start-up working for customers where 60+ days are typical, cash flow is a real issue. FlexABL have allowed us to access the cash "tied up" up in submitted invoices to allow us meet our financial commitments on time. As their names suggests, they have always been flexible at crunch times, such as with VAT payments.The team are always available and know our business so understand our requirements.

UK Teleport

As their name states, they are very flexible. Staff are quick to respond and assist with company needs as much as the facility allows. We have found them to be pleasant and courteous but professional. Account is easy to use and takes the pressure off day to day running of our business.

Wades

FlexABL have been great. I used a competitor, and found they had put us in the wrong category, so paying a. silly amount, and when questioned nothing was done. Moved to FLexABL, and been lovely. Easy to deal with.

Dan Hughes

Explore Flexabl's Finance Solutions:

Revenue-Based Finance (Business Cash Advance)

£5,000 - £150,000

Flexible Working Capital (Revolving Credit Facility)

£5,000 - £100,000

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Explore Flexabl's Finance Solutions:

Loan Type:

Revenue-Based Finance (Business Cash Advance)

Loan Range:

£5,000 - £150,000

Loan Terms:

3 months to 12 months (based on repayment percentage)

Minimum Turnover and Trading Age:

Minimum annual turnover of £60,000; minimum 3 months trading history

Interest Rate / Factor Rate:

Representative APR 18% - 50% (fixed fee percentage applied to advance amount, typically 1.05x - 1.50x)

Fees:

No arrangement fees; no early repayment fees; no hidden charges. Total repayment is fixed at the outset based on a factor rate.

Loan Type:

Flexible Working Capital (Revolving Credit Facility)

Loan Range:

£5,000 - £100,000

Loan Terms:

Rolling/ongoing; no fixed term (draw, repay, and redraw as needed)

Minimum Turnover and Trading Age:

Minimum annual turnover of £60,000; minimum 6 months trading history

Interest Rate / Factor Rate:

Representative APR 20% - 40% (interest charged on drawn amount only)

Fees:

No setup fees; no monthly account fees; interest is only charged on the outstanding balance.

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More About Flexabl

Flexabl is a UK-based alternative finance provider that offers flexible working capital solutions to small and medium-sized enterprises (SMEs). The company specialises in revenue-based financing, providing upfront capital in exchange for a percentage of future sales. It is regulated by the Financial Conduct Authority (FCA) and positions itself as a digital-first lender focused on speed, accessibility, and transparency for businesses that may not qualify for traditional bank loans.

Key features

Flexabl's revenue-linked repayments adjust based on real-time cash flow business sales data, which may support businesses with variable cash flow. The digital platform allows for fully online application and account management, with fast decision-making often within 24 hours. No physical collateral or personal guarantees are required for most products, and pricing is transparent with no hidden fees, setup costs, or early repayment penalties. A dedicated account manager is provided for all clients, and funds can be used for a range of business purposes including stock, marketing, equipment, or expansion.

Revenue-based repayments adjust to business cash flow, providing flexibility during slower periods.
Fast application and funding process, often with decisions within 24 hours.
No personal guarantee required for most products, reducing personal risk for business owners.
Clear, transparent fee structure with no hidden charges or early repayment penalties.
Digital platform allows for quick online applications and account management without paperwork.
Accessible to businesses with lower credit scores or shorter trading histories compared to traditional banks.
Focus on SME lending, with tailored support for small and medium-sized enterprises.
Funds can be used for a wide range of business purposes, including growth, stock, and working capital.

Eligibility

Businesses may qualify if they are registered in the United Kingdom (including England, Scotland, Wales, and Northern Ireland) and have a minimum annual turnover of £60,000. A minimum trading period of 3 months is required for revenue-based finance, while the trading history revolving credit facility requires a minimum of 6 months trading history. Excluded sectors include gambling, adult entertainment, crypto-assets, high-risk financial services, and any illegal activities. A full list of excluded sectors is available upon application.

Loan options

Flexabl offers two main products: a revenue-based finance (business cash advance) and a flexible working capital (revolving credit facility). Both products are unsecured and do not require a personal guarantee under standard terms.

Revenue-Based Finance (Business Cash Advance): £5,000 to £150,000; repayment terms of 3 to 12 months based on a repayment percentage. Representative APR 18% to 50% (fixed fee factor typically 1.05x to 1.50x). No arrangement fees, no early repayment fees, and no hidden charges. Total repayment is fixed at the outset. Minimum turnover £60,000; minimum 3 months trading history.
Flexible Working Capital (Revolving Credit Facility): £5,000 to £100,000; rolling/ongoing with no fixed term. Interest charged on drawn amount only at a representative APR of 20% to 40%. No setup fees, no monthly account fees, and no early repayment or exit charges. Funds can be drawn, repaid, and redrawn as needed. Minimum turnover £60,000; minimum 6 months trading history.

How to apply

Applications are submitted online via the Flexabl website or a partner platform. The decision is typically provided within 24 hours, and if approved, funds are often released within 24 to 48 hours. Required documents include business bank statements for the last 3 to 6 months, proof of company registration, identification for directors (passport or driving licence), and access to the business's payment processor or accounting software (such as Xero, QuickBooks, Stripe, or PayPal) for revenue verification.

Submit an online application through the Flexabl website or partner platform.
Provide business bank statements (last 3-6 months), proof of company registration, and director identification.
Grant access to payment processor or accounting software for revenue verification.
Receive a decision typically within 24 hours.
If approved, funds may be released within 24 to 48 hours.

Funding Agent's view

Flexabl is a digital-first alternative lender offering revenue-based finance and revolving credit to UK SMEs, particularly those that may struggle to secure traditional bank financing. The revenue-linked repayments and lack of personal guarantee requirements may appeal to businesses with consistent turnover that need short to medium-term working capital. However, the higher effective rates and daily or weekly repayment schedules are important trade-offs. Loan amounts are capped at £150,000, and the shortest trading history requirement is 3 months, which may exclude very young businesses. Overall, Flexabl may be suitable for SMEs seeking flexible, unsecured funding for short to medium-term needs, but borrowers should carefully assess the cost and repayment structure relative to their cash flow.