FlexiBusiness Loans Reviews

FlexiBusiness Loans provides flexible financing options with competitive terms, catering to diverse business needs efficiently and reliably.

Here are the Trustpilot Reviews from FlexiBusiness Loans:

Here are the Reviews from FlexiBusiness Loans:

very good seamless and efficient service

Anonymous

Fast and very professional team

customer

Very efficient would recommend , smooth process from start to finish

Brendan

just the people at the end of the phone and emails have been great, effort and input to creating a path forward with us. Really nice to feel that your working with people that cared for what we do our end as we care our end but sometimes does not feel that way. then the news we all watch at night or on our social media. thanks very much all, Ed

edward duckett

Easy and straightforward from start to finish, would highly recommend this company and basically took 48 hours for funds to be in our account!

Marie Tilbury

Great customer service, fast and superior to other loan providers we have used. We needed to alter our repayment plan to change the monthly payments and was handled so quickly, with minimum fuss.

Elka

Explore FlexiBusiness Loans' Finance Solutions:

Unsecured Business Term Loan

£5,000 – £150,000

Flexi Line of Credit

£10,000 – £200,000 (revolving limit)

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Explore FlexiBusiness Loans' Finance Solutions:

Loan Type:

Unsecured Business Term Loan

Loan Range:

£5,000 – £150,000

Loan Terms:

6 months to 36 months

Minimum Turnover and Trading Age:

At least 12 months trading and £50,000 annual turnover

Interest Rate:

1.0% – 3.0% per month (approx. 12% – 36% APR)

Fees:

2% – 3% arrangement fee; no early-repayment penalty if full outstanding is cleared

Loan Type:

Flexi Line of Credit

Loan Range:

£10,000 – £200,000 (revolving limit)

Loan Terms:

12 months renewable facility; draw periods up to 90 days each

Minimum Turnover and Trading Age:

18 months trading and £100,000 annual turnover

Interest Rate:

1.25% – 2.5% per month on utilised balance only

Fees:

Up-front limit-setup fee 2%; drawdown fee 0.5% each tranche

Loan Type:

Merchant Cash Advance

Loan Range:

£5,000 – £100,000 (capped at 150% of average monthly card sales)

Loan Terms:

3 months to 12 months until factor rate cleared

Minimum Turnover and Trading Age:

Card sales of at least £7,000 per month for the last 6 months

Interest Rate:

Factor rate 1.15 – 1.35 (equivalent 20% – 40% APR)

Fees:

Assessment fee £295; no additional interest beyond factor rate

Loan Type:

Invoice Financing / Bill Discounting

Loan Range:

£10,000 – £250,000 (up to 80% of invoice value)

Loan Terms:

30 days to 120 days per invoice

Minimum Turnover and Trading Age:

£150,000 annual turnover with B2B invoices

Interest Rate:

1.0% – 2.0% per 30-day period

Fees:

Processing fee 1% of invoice; verification fee £25 per debtor

Loan Type:

Machinery & Equipment Finance

Loan Range:

£10,000 – £200,000 (up to 90% of invoice/cost)

Loan Terms:

12 months to 60 months

Minimum Turnover and Trading Age:

24 months trading and £200,000 annual turnover

Interest Rate:

11% – 18% APR fixed

Fees:

Processing fee 2%; valuation/inspection charges £150 – £300

Loan Type:

POS Loan

Loan Range:

£3,000 – £50,000

Loan Terms:

6 months to 12 months

Minimum Turnover and Trading Age:

Average daily swipe volume of £250+ over last 180 days

Interest Rate:

1.3% – 2.8% per month

Fees:

Origination fee 2%; daily settlement fee 0.1%

More About FlexiBusiness Loans

FlexiBusiness Loans (FlexiLoans Technologies Pvt. Ltd.) is an Indian non-bank lender launched in 2016. It offers unsecured digital-first finance solutions tailored for small and medium enterprises, focusing on rapid working capital without collateral. Although it operates under a licensed NBFC in India, it is not FCA-authorised in the UK, and lending is internet-based without physical branches. This lender suits digitally engaged UK SME entities with Indian operations needing swift access to unsecured capital and a range of flexible products. Learn more about business loans and unsecured business loans.

Key Features of FlexiBusiness Loans

The lender provides a fully online experience integrating innovative credit scoring and multiple product types.

End-to-end online application and digital document upload with e-KYC verification.
Proprietary credit-scoring using bank statement data plus bureau information for customised underwriting.
API links with e-commerce, POS, and accounting platforms for automated data sharing.
Dedicated relationship manager service with in-app chat, phone, and email support.
Dashboard features for live loan status, repayments, and drawdown management.

Funding Eligibility

You may qualify if your business meets minimum trading history and turnover thresholds, along with credit and compliance criteria.

Most products require at least 12 months of continuous trading. See loan eligibility requirements.
Minimum annual turnover ranges from £50,000 to £250,000 depending on the product.
A personal or director guarantee is typically required, despite unsecured lending.

Loan Options Available

FlexiBusiness Loans offers a variety of funding products with amounts and terms suitable for small to mid-sized enterprises.

Unsecured Business Term Loan: £5,000 to £150,000 for 6 to 36 months. Interest rates of approximately 12% to 36% APR apply. Flexible monthly repayments without collateral. Details: Term loans, interest rates explained.
Flexi Line of Credit: Revolving credit up to £200,000 with 12-month renewable facilities. Interest charged only on drawn amounts; flexible use and repayments. See revolving credit loans.
Merchant Cash Advance (MCA): £5,000 to £100,000 tied to card sales history, repayable within 3 to 12 months at factor rates equivalent to 20%–40% APR. Details on MCA loans.
Invoice Financing / Bill Discounting: Up to £250,000 or 80% of invoice value, for 30 to 120 days. Interest charged per period with additional fees. Learn more: invoice financing.
Machinery & Equipment Finance: £10,000 to £200,000, terms up to 60 months, fixed APR 11%–18%. Asset serves as collateral, reducing personal guarantee exposure. See asset finance.

How to Apply

Applying is a digital process designed for speed and convenience, but requires comprehensive financial documentation.

Submit your application online on desktop or mobile with e-KYC and document uploads.
Provide key documents: KYC ID, 12 months bank statements, recent financial statements or tax filings, address proof, and POS or marketplace data as relevant.
Await decision typically within 24 to 72 hours after full documentation, with possible pre-approval in 15 minutes. Learn about loan approval timelines and same day funding.
Sign contracts electronically, and receive funds usually within 2 working days after approval, subject to mandate registrations.

Funding Agent's View on FlexiBusiness Loans

FlexiBusiness Loans serves a niche of under-served SMEs that need quick, collateral-free working capital linked to detailed digital underwriting. The lender’s broad product suite is helpful for digitally active firms with stable turnover but limited security. The lack of FCA authorisation means UK regulatory protections do not apply, and the usually high-interest rates and mandatory personal guarantees may deter some. Businesses needing larger loans, lower rates, or fully UK-regulated products should consider other lenders or explore alternative finance loans.

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