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 for established limited companies, PLCs and LLPs up to £200k. Requires 2+ years trading, a positive net tangible asset position and no outstanding CCJs, so it is a growth-working-capital tool for an already-qualifying business rather than a post-decline or start-up route.
Quick routing verdict
- Product: Revolving credit (Flexi Credit).
- Ticket band: Up to £200k.
- Decision time: Not published; fintech-speed online application.
- Pricing: Not published; quoted per application.
At a glance
multifi, at a glance
- Legal entity
- Multify Limited
- Companies House
- 15805730
- Founded
- 2023
- Product
- Revolving credit (Flexi Credit)
- Ticket range
- Up to £200k
- Decision time
- Not published; fintech-speed online application
- Ltd-only
- Yes (FundBiz routes Ltd / LLP / partnerships of 4+ only regardless)
- Last reviewed
- 2026-09-01
Why we route here
- Revolving structure: draw, repay and redraw against the facility rather than a one-off lump sum, useful for recurring working-capital needs.
- Purpose-built for Ltd/PLC/LLP borrowers, matching FundBiz's own eligibility scope exactly.
- Backed by an institutional funding line (Fintex Capital), not a peer-to-peer or crowd-funded book.
When we route elsewhere
- Requires 2+ years trading and no outstanding CCJs, so it is not a route for newer companies or post-decline cases.
- No published rate card or decision-time SLA; both are quoted per application.
- A young lender (2023) with a shorter UK track record than the established names on this panel.
Best fit applicants
- Established Ltd/PLC/LLP companies (2+ years trading, clean credit file) wanting a flexible revolving facility rather than a fixed-term loan
Where multifi is the wrong fit
- Newer companies under 2 years trading
- Applicants with an outstanding CCJ or post-decline profile
If declined by multifi
If your application to multifi is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our guide to why lenders decline, matched by reason.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
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?
multifi offers revolving credit (flexi credit). Ticket range: Up to £200k. Typical rate: Not published; quoted per application.
How long does multifi take to decide?
Not published; fintech-speed online application
Who is multifi the best fit for?
Established Ltd/PLC/LLP companies (2+ years trading, clean credit file) wanting a flexible revolving facility rather than a fixed-term loan
When would FundBiz route you away from multifi?
Newer companies under 2 years trading Applicants with an outstanding CCJ or post-decline profile
Run the matcher
Tell us your turnover, sector and ticket size. We score against multifi and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Official site: multifi
Last reviewed: 2026-09-01. By Adam Parker. Reviewed by Oliver Mackman.