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Fleximize Reviews

Fleximize provides flexible business loans with excellent customer reviews, praised for personalized service and tailored financial solutions for diverse business needs.

Here are the Trustpilot Reviews from Fleximize:

Here are the Reviews from Fleximize:

It was pretty easy to submit our application and they were very responsive, both by phone and email. The amount of interest we're paying is more than was shown in the illustration, which is why it's 4 stars, not 5. Make sure you have your financials to hand, as you'll need to submit a reasonable amount of documentation, such as accounts, bank statements, etc. I'd be happy to use them again.

Insa

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

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

Fleximize has been a life saver for my business. When I needed funding to grow, they didn’t just look at the numbers—they took the time to understand my goals and challenges. The process was straightforward, and I was blown away by how quickly everything was finalized. Armani Schaar and the team were incredibly supportive, guiding me every step of the way and ensuring I felt confident in my decisions. Their flexible repayment options gave me the breathing room I needed to grow without stress. I can’t recommend Fleximize enough—they’re not just a lender, they’re a true partner.

Henry Phibs Ltd

Fleximise reviewed my ongoing requirements and provided options to me to consider without further reviews and lengthy decisions.

Sunny P

Good service, easy application. Interest charge a bit high but was expected. Would recommend

Explore Fleximize's Finance Solutions:

Flexiloan

£10,000 – £500,000

Flexiloan Lite

£5,000 – £250,000

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Explore Fleximize's Finance Solutions:

Loan Type:

Flexiloan

Loan Range:

£10,000 – £500,000

Loan Terms:

12 months to 60 months

Minimum Turnover and Trading Age:

At least 12 months trading and £100,000 annual turnover

Interest Rate:

From 0.9% per month (representative 10.8%+ p.a. flat equivalent)

Fees:

Arrangement fee up to 5% of loan; no early repayment fees; potential valuation/legal costs for secured elements

Loan Type:

Flexiloan Lite

Loan Range:

£5,000 – £250,000

Loan Terms:

3 months to 48 months

Minimum Turnover and Trading Age:

Minimum 6 months trading and £50,000 annual turnover

Interest Rate:

From 1.0% per month (c. 12%+ p.a. flat equivalent)

Fees:

Arrangement fee up to 5%; no early repayment or exit fees

Loan Type:

Secured Flexiloan (Property-backed variation)

Loan Range:

£100,000 – £2,000,000

Loan Terms:

12 – 60 months

Minimum Turnover and Trading Age:

12 months’ trading and strong, proven profitability

Interest Rate:

From 0.75% flat per month (representative 10% – 25% APR)

Fees:

Arrangement fee 2% – 3%; valuation & legal fees on property security; no early repayment penalties

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More About Fleximize

Fleximize Limited, established in 2014 and based in Ipswich, is a UK alternative finance provider offering flexible business loans primarily to small and medium-sized enterprises (SMEs). The company lends from its own balance sheet and is regulated by the Financial Conduct Authority (FCA) for credit broking and lending (FRN 685858). Fleximize provides a tech-driven approach that focuses on speed and flexibility, suitable for businesses needing loans between £5,000 and £500,000 with terms from 3 to 60 months. This lender fits businesses willing to accommodate personal guarantees and higher-than-bank interest rates in exchange for faster funding and flexible terms. More on alternative finance loans and see a full list of lenders.

Key Features of Fleximize

Fleximize offers several practical features designed to help SMEs access finance and manage repayments with flexibility and transparency.

Fast, fully online application with typical decisions within 24 hours, supported by thorough loan application process.
Ability to take repayment holidays and top-up loans after three successful payments, boosting cash flow adaptability.
Personalised service with a dedicated relationship manager accessible by phone and email.
Transparent fee structure, including arrangement fees and no early repayment penalties.
API integration with Open Banking for quicker affordability checks, enhancing the online application experience.

Funding Eligibility

To qualify for Fleximize loans, businesses must meet trading and turnover thresholds, along with personal guarantee requirements. Common criteria for eligibility include:

Minimum trading history of 6 to 12 months depending on the product, detailed in reliable guides like loan eligibility requirements.
Minimum annual turnover requirements ranging from £50,000 to £100,000 (business turnover requirements).
Compulsory personal guarantee from directors or owners to back the loan (guarantor details, understanding personal guarantees).
Applicants must be UK-registered businesses with UK-resident directors holding UK bank accounts (director guarantee).

Loan Options from Fleximize

Fleximize offers two main loan products catering to different stages of SME growth and funding needs:

Flexiloan: Loans from £10,000 to £500,000 over 12 to 60 months. Minimum trading of 12 months and £100,000 turnover. Interest rates start from 0.9% per month (about 10.8%+ p.a. flat equivalent). Unsecured up to £250,000; loans above generally require security. Early repayment rebates reduce interest payable. See details on business loans and secured loans.
Flexiloan Lite: Designed for younger businesses with 6+ months trading and minimum £50,000 turnover. Offers loans from £5,000 to £250,000 over terms of 3 to 48 months. Interest rates start from approximately 1.0% per month (12%+ p.a. flat equivalent). Loans are typically unsecured without asset security. Same benefits of repayment flexibility and early repayment rebate apply. Details available under unsecured loans.

How to Apply for a Fleximize Loan

The application process is entirely online, supported by telephone assistance. Businesses can expect rapid decisions and funding subject to document verification.

Submit your application online via official forms with basic business details and trading history.
Provide required documents including recent business bank statements, management or filed accounts, identification, and for larger loans, business plans or forecasts.
Decisions typically come within 24 hours of receiving a completed application.
Funds can be released same day or within 24 hours of signing loan agreements.

Funding Agent's View on Fleximize Limited

Fleximize bridges the gap between slower traditional bank loans and higher-cost short-term lending, leveraging technology to accelerate SME funding. It offers flexible loan options with features like top-ups, repayment holidays, and early repayment rebates. However, borrowers need to be comfortable with personal guarantees and should expect interest rates above standard bank loans. Fleximize is an option for small businesses that prioritise speed and flexibility over the lowest borrowing cost. To explore your options further, try our tools, check eligibility requirements, or compare with other business loan alternatives.

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