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Multifi Reviews

Multifi specializes in flexible, customer-friendly loans, earning positive reviews for its reliable service and tailored financial solutions.

Here are the Trustpilot Reviews from Multifi:

Here are the Reviews from Multifi:

Not a good experience. Awful experience where we were offered a limit and then after submitting all our details the limit was massively reduced. It wasn't worth the effort.

Alex B

Highly recommended

Slime Party

Current user of Multifi, and its been a very simple and helpful process. An ideal product to help with short term financing requirements, such as working capital. Quick, simple and effective. Would recommend.

Mike Nicholson

Multifi had a smooth and efficient lending process for my small business.

Sivaranjani

Professional and friendly team. Made business finance easy.

James Hosking

Good support and quick funding. Helped my SME grow.

Tanea Cimen

Explore Multifi's Finance Solutions:

Multifi Revolving Credit Facility

£10,000 – £250,000

Business Term Loan

£25,000 – £500,000

Apply Now!

Explore Multifi's Finance Solutions:

Loan Type:

Multifi Revolving Credit Facility

Loan Range:

£10,000 – £250,000

Loan Terms:

Open-ended line repayable and redrawable over 6 – 24 months

Minimum Turnover and Trading Age:

Minimum 12 months’ trading and £250,000 annual turnover

Interest Rate:

1.5% – 3.5% flat fee per 30-day draw (equivalent to 18% – 42% p.a.)

Fees:

No arrangement fee; drawdown fee included in flat rate; no early-repayment fee

Loan Type:

Business Term Loan

Loan Range:

£25,000 – £500,000

Loan Terms:

12 – 60 months

Minimum Turnover and Trading Age:

At least 18 months’ trading and £400,000 annual turnover

Interest Rate:

9.9% – 19.9% APR (fixed for the term)

Fees:

2% arrangement fee; no early-repayment fee; late-payment fee 5% of overdue amount

Loan Type:

Invoice Finance (Selective & Whole-Book)

Loan Range:

Up to 90% of invoice value; £25,000 – £2,000,000 facility limits

Loan Terms:

30 – 120 days per invoice

Minimum Turnover and Trading Age:

£500,000 annual turnover and 6+ months' invoicing history

Interest Rate:

0.8% – 2.5% per 30 days on funds in use

Fees:

0.5% – 2% service fee on invoice value; no exit fee on selective model

Loan Type:

Asset Finance (Hire Purchase & Finance Lease)

Loan Range:

£10,000 – £1,000,000

Loan Terms:

12 – 84 months

Minimum Turnover and Trading Age:

12 months’ trading; turnover £250,000+

Interest Rate:

6.5% – 14.5% flat (equivalent 12.4% – 25.9% APR)

Fees:

Documentation fee £195; option-to-purchase fee £150 (HP only); early settlement interest rebate per FCA rules

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More About Multifi

Multifi Finance Limited operates as a UK-based fintech lender since 2021, specialising in working-capital finance tailored to small and medium-sized businesses. Offering a fully digital platform, Multifi provides a variety of credit facilities including revolving credit, term loans, invoice finance, and asset finance. The lender is regulated by the Financial Conduct Authority and serves established UK registered companies, focusing on flexible funding up to £500,000. For a broader comparison of similar services, see our overview of alternative finance loans and an analysis of bank loans versus alternative lenders.

Key Features of Multifi Finance Limited

Multifi’s offerings revolve around speed, digital convenience, and flexibility suitable for growth-stage businesses comfortable with online processes. Key practical features include:

Fully digital application with integration to popular accounting software and Open Banking for real-time eligibility checks, detailed in unsecured business loans.
Quick decision-making often within 24 hours, facilitating fast funding release, a trait shared with other business loans.
Transparent flat-fee pricing structures on several products, with no hidden charges and no penalties on early repayments explained in our personal guarantees guidance.
Facilities that scale up or down depending on changing business needs, including revolving credit options described in our revolving credit loans section.
Dedicated account managers to assist ongoing customer support and credit management.

Funding Eligibility for Multifi Finance

Eligibility typically requires businesses that have been trading for at least 6 to 18 months depending on the loan type, with minimum turnover thresholds ranging from £250,000 to £500,000 annually. You may qualify if your business is a UK-registered limited company or LLP, meets sector exclusions such as gambling or cryptocurrency, and maintains a clean credit history. Detailed eligibility steps and advice can be found in the guide on how to qualify for a business loan in the UK. Consider checking your eligibility using our unsecured business loan calculator or understanding the terms around personal guarantee requirements.

Loan Options with Multifi Finance Limited

Multifi offers a spectrum of loan types intended for short to medium term working capital and asset acquisition. Below are the primary options:

Multifi Revolving Credit Facility: Borrow between £10,000 and £250,000 with an open-ended line repayable over 6 to 24 months. Fees are flat-rate per 30-day draw between 1.5% and 3.5%. Product details and application advice link through revolving credit loans.
Business Term Loan: Loan amounts from £25,000 to £500,000 repayable over 12 to 60 months, with fixed APR rates between 9.9% and 19.9%. This option suits businesses with a turnover above £400,000 and longer trading histories. More information is available in our term loans section.
Invoice Finance (Selective & Whole-Book): Facilities up to £2,000,000 based on invoice values, enhancing cash flow over 30 to 120 days. Interest rates range from 0.8% to 2.5%. Learn about this product category in the invoice financing overview.
Asset Finance (Hire Purchase & Finance Lease): Finance between £10,000 and £1,000,000 over 12 to 84 months with rates from 6.5% to 14.5%. Options cover vehicles, machinery, and technology assets. Check details in the asset finance section.

How to Apply for Finance with Multifi

The application process is entirely online, allowing document upload with electronic signatures. You can expect quick turnaround times, often receiving lending decisions within 24 hours and same-day funding once approved. The process includes a real-time eligibility check that avoids unnecessary credit searches unless you proceed.

Submit an online application form available at Funding Agent’s request funding form.
Provide necessary documents such as bank statements via Open Banking, latest accounts, and verification for directors.
Undergo lender review and credit checks, with dedicated support available during the process.
Sign agreement electronically to receive funding, often within the same working day.

Funding Agent’s View on Multifi Finance Limited

Multifi is positioned as a technology-driven lender offering flexible working-capital solutions to established UK SMEs. It is suited for companies valuing speed, flexibility, and digital onboarding. However, the requirement for personal guarantees and higher pricing compared with traditional secured loans might limit appeal for larger or asset-rich firms. To explore funding suitability, use Funding Agent’s tools such as the business loan refinance calculator, check your loan eligibility requirements, or compare options in the business loans category.