The Funding Circle FlexiPay Business Credit Card

Discover the FlexiPay Business Card from Funding Circle:Control cash flow with limits up to £250K and zero forex fees. Apply online now and check your limit risk-free!

CREDIT CARD

Funding Circle Business

No monthly fee Flexible Credit Limits

SEE HOW TO APPLY You will remain on the current site

Prepare to take a quantum leap in your business finances with the Funding Circle FlexiPay Business Card! This is no ordinary business credit card; it is a flexible line of credit specifically engineered for entrepreneurs and SME owners who understand that control over cash flow is the key to scalable growth.

Imagine having the power to cover critical business costs—from supplier invoices and essential inventory to the daunting VAT bill—and then choosing a repayment schedule that perfectly matches your revenue cycle, all without the pressure of a full, immediate payment. With FlexiPay, you combine purchasing power with unprecedented repayment flexibility, allowing your working capital to stretch further than you ever thought possible!

A Business Credit Card That Helps You Grow And Thrive

Pros 

• Flexible Instalment Options: You can split business costs over 1, 3, 6, 9, or 12 easy monthly repayments.
• 0% Interest on Instalments: You will never pay interest on your repayment plan, just a straightforward flat fee.
• No Annual or Monthly Fees: There are no fixed monthly or annual charges just for holding the card.
• Zero Fee for Single Payment: Settle the card balance in one instalment and incur no transaction fee at all.
• No Foreign Exchange Fees: Use it anywhere globally where Visa is accepted without incurring forex charges.
• High Credit Limits: Eligible businesses can secure a credit limit of up to £250,000, subject to status.
• Wide Expenditure Coverage: Use it for virtually any business cost, including rent, utilities, stock, and VAT.
• Payment Flexibility: Allows both card payments and direct cash transfers to supplier bank accounts.
• Check Eligibility Risk-Free: Limited companies can check their limit without impacting their credit score.
• User-Friendly App Management: Track spending, available credit, and repayment schedules easily via the mobile app.

Cons

• Per-Transaction Fee: A flat fee is applied to every transaction you choose to pay off in instalments (excluding the 1-instalment option).
• Not Zero Cost: Although interest-free, the flat transaction fee (starting from 1.99%) represents the cost of borrowing.
• UK Focus: The product is primarily geared toward businesses registered and operating within the UK.
• No ATM Withdrawals: You cannot use the card to withdraw cash from an ATM machine.

Why You Should Consider This Card?

In the real-world chaos of business, income and expenses rarely line up neatly, and this card is engineered to solve that perpetual headache. With FlexiPay, you gain the agility to seize bulk purchase opportunities, negotiate better supplier deals with immediate payment, or effortlessly handle unexpected equipment costs, all with the profound certainty that you have the total freedom to seamlessly spread that large, one-off cost over a tailor-made monthly schedule (up to a full year!).

The transparency is a game-changer: there is no confusing rolling interest—only a simple, flat fee that you know upfront. This critical clarity allows for precise budgeting, liberates your vital cash reserves for proactive investment in growth, and fundamentally eliminates the stress of large, immediate outlays. If your business needs the power to pay now combined with the financial breathing room to pay later, FlexiPay is the indispensable, intelligent choice!

Furthermore, beyond its flexible instalment plans, this card provides an exceptionally valuable revolving and replenishing credit line with substantial limits reaching up to £250,000, making it a robust, continuous financing facility. In summary, if you demand a financial instrument that flawlessly integrates massive purchasing power, precise expenditure control, transparent costing, and unparalleled payment agility to fuel your business’s ambitious growth without ever sacrificing your peace of mind, the FlexiPay Card is the smart, necessary investment!