Fleximize
Direct lender with flex features (top-ups, payment holidays, reduced repayments during slow months). Underwriting more accommodating than mainstream term lenders for sub-2-year trading. Per-month rate hides effective APR.
Quick verdict
- Product: Term loan with flex features (unsecured and secured options).
- Ticket band: £10k to £1m.
- Pricing: 0.9% to 2.9% per month.
- Fleximize says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
Fleximize, at a glance
- Legal entity
- Fleximize Capital Ltd
- Founded
- 2014
- Product
- Term loan with flex features (unsecured and secured options)
- Ticket range
- £10k to £1m
- Decision time
- Decisions and funding in as little as 24 hours
- Ltd-only
- No, the lender also accepts other structures
Where Fleximize is strong
- Flex features genuinely useful for seasonal businesses.
- More accommodating on sub-2-year trading.
- Direct lender, no broker mark-up.
Watch-outs, and when another lender may suit better
- Per-month rate quoting hides total cost.
- Smaller brand presence.
- Terms run 12 to 60 months, so it doesn't suit very short or very long borrowing.
Best fit applicants
- Seasonal businesses needing payment flex
- 12 to 24 month-trading Ltd companies
- Sub-£100k tickets
Where Fleximize is the wrong fit
- Pure rate-shoppers
- Loans under £10,000
If declined by Fleximize
If your application to Fleximize is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Fleximize
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Fleximize?
Fleximize offers term loan with flex features (unsecured and secured options). Ticket range: £10k to £1m. Typical rate: 0.9% to 2.9% per month.
How long does Fleximize take to decide?
Decisions and funding in as little as 24 hours Fleximize says checking eligibility uses a soft search, so it does not affect your credit score.
Who is Fleximize the best fit for?
First on the list: Seasonal businesses needing payment flex. The full list is under Best fit applicants above.
When might another lender suit better than Fleximize?
First on the list: Pure rate-shoppers. The other cases are under Where Fleximize is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Fleximize
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.