Lender profile
multifi
A newer UK fintech (launched 2023, reportedly backed by a £15m funding facility from Fintex Capital, per Fintex Capital's own announcement) offering an unsecured revolving credit line of £10k to £350k for established UK limited companies. multifi says LLPs are not currently accepted. multifi says it looks for 1+ years of trading and annual revenue of £120,000+, so it is a growth-working-capital tool for an already-qualifying business rather than a start-up route.
Check your optionsFree · 2 mins
Quick verdict
- Product: Revolving credit (Flexi Credit).
- Ticket band: £10k to £350k (its own figure).
- Pricing: Between 1.99% and 5.99% per month on drawn funds. Representative rate 2.99% a month: £50,000 over 12 months, total repayable £61,213, 43.5% APR representative (multifi's published figures, checked 19 October 2026). Source: multifi.co.uk/faqs.
At a glance
multifi, at a glance
- Legal entity
- Kactus Technologies Limited (trading as multifi)
- Companies House
- 13917946
- Ownership checked
- 23 September 2026, against Companies House and published sources
- Founded
- 2023
- Product
- Revolving credit (Flexi Credit)
- Ticket range
- £10k to £350k (its own figure)
- Decision time
- Under 24 hours for 85% of applicants (multifi's own figure)
- Ltd-only
- Yes
Where multifi is strong
- Revolving structure: draw, repay and redraw against the facility rather than a one-off lump sum, useful for recurring working-capital needs.
- Built for established UK limited companies.
- Backed by an institutional funding line (Fintex Capital), not a peer-to-peer or crowd-funded book.
Watch-outs, and when another lender may suit better
- Requires 1+ years of trading and £120,000+ annual revenue, so it isn't a route for newer companies.
- Your own rate (between 1.99% and 5.99% per month) is set per application, after an Open Banking check.
- A young lender (2023) with a shorter UK track record than the established names we review.
Best fit applicants
- Established UK limited companies (1+ years trading, £120k+ revenue) wanting a flexible revolving facility rather than a fixed-term loan
Where multifi is the wrong fit
- LLPs (multifi says LLPs are not currently accepted)
- Newer companies under 1 year of trading
- Businesses with annual revenue under £120,000
If declined by multifi
If your application to multifi is declined, ask the lender for the reason in writing. See also our guide to why lenders decline, by reason.
Similar lenders we list
- Allica Bank, SME term loan, asset finance + commercial mortgage
- iwoca, Flexi-loan / line of credit
- Capital on Tap, Business credit card with revolving credit line
- Funding Circle, Term loan
How we rate multifi
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 multifi?
What multifi offers: revolving credit (Flexi Credit). Ticket range: £10k to £350k (its own figure). Typical rate: between 1.99% and 5.99% per month on drawn funds. Representative rate 2.99% a month: £50,000 over 12 months, total repayable £61,213, 43.5% APR representative (multifi's published figures, checked 19 October 2026).
How long does multifi take to decide?
Decision time, as recorded in our review: under 24 hours for 85% of applicants (multifi's own figure).
Who is multifi the best fit for?
It suits established UK limited companies (1+ years trading, £120k+ revenue) wanting a flexible revolving facility rather than a fixed-term loan best. The full list is under Best fit applicants above.
When might another lender suit better than multifi?
It is a poor fit for LLPs (multifi says LLPs are not currently accepted). The other cases are under Where multifi 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. It's free and there's no obligation. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: multifi
AI-assisted check . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.