Fleximize – reviews, analysis and fees

Last updated on 10 August 2023

Fleximize, as the name suggests, is one of the most flexible business lenders in the UK – but does it have good reviews?

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Offering loans of up to twice the monthly income of an SME or sole trader, with a range of options for repayment breaks or early settlement, this lender typically approves applications and releases funds within 48 hours.

With an excellent online reputation, Fleximize has been delighting business customers for many years now. This may not be the cheapest lender on the market, but it’s certainly one of the most welcoming for anybody that meets the minimum trading length criteria.

Video: Business loans and finance explained

Fleximize business loans and finance

Pros and cons of Fleximize for business finance 

Fast underwriting and approval process Must have been trading for at least six months
Borrow up to twice your monthly turnover Interest rates can be a little higher than some competitors
Payment holidays available, and no early repayment fees
Excellent online reviews 
Fleximize pros and cons

Business loans 

Fleximize offers two types of business loan, both of which provide borrowing of up to twice an SME or sole trader’s monthly income. These loans can be taken out on a secured or unsecured basis. Fleximize earns its name by offering regular repayment holidays during lean trading periods, no early repayment fees, and the ability to top up your loan after three successful payments.

Flexiloan Lite

Borrow up to £250,000 (unsecured) or £500,000 (secured), with repayment terms between three months and a year. You need to have been trading for at least six months to qualify for this loan.


Borrow up to £250,000 (unsecured) or £500,000 (secured), with repayment terms between one and three years. You need to have been trading for at least a year to qualify for this loan.

Fleximize account login

Merchant cash advance

Not available from Fleximize. See merchant cash advance.

Business credit cards

Not available from Fleximize. See best business credit cards

Asset finance 

Not available from Fleximize. See best asset finance

Invoice finance

Not available from Fleximize. See invoice factoring

Commercial mortgages

Not available from Fleximize. See commercial mortgages.

Business vehicle finance

Not available from Fleximize. See business vehicle finance.

Fleximize key information

Phone number020 7100 0110
App downloadsN/A
Number of branchesN/A 
FSCS protected?No
Key information

Fleximize reviews

Review platformScoreNumber of votes
FeefoNot reviewedN/A
Reviews.ioNot reviewedN/A
Smart Money People4.93/5298
Which?Not reviewedN/A
Average score4.915/51,042 total votes
Fleximize reviews and ratings

Business eligibility criteria

Fleximize does not assign a minimum turnover for loans, though how much you can borrow will be limited according to your income. 

A business that has been trading for six months to a year will only qualify for a Fleximize Lite loan. Businesses that have been trading for a year or longer can apply for a full Fleximize loan.

SMEs and sole traders in England and Wales can apply for any kind of borrowing through Fleximize. Customers in Scotland and Northern Ireland are restricted to unsecured borrowing.

Business finance alternatives

As the name suggests, Fleximize is one of the most flexible lenders out there. You may need to pay more in interest from this lender, though. Compare the offering of Fleximize against other, more traditional business loan providers.

Additional considerations

The criteria surrounding Flexiloan’s full, five-year lending has recently been relaxed a little to accommodate more customers.


What makes Fleximize loans so flexible?

Fleximize offers repayment holidays on loans, can be topped up after three successful repayments, and will not charge early repayment penalties if you wish to settle your balance ahead of the scheduled term.

How do I apply for finance from Fleximize?

Call Fleximize on 020 7100 0110 to discuss your options, or fill in the very brief online quote form to receive an instant quote.

How much can I borrow from Fleximize?

The maximum sum Fleximize will offer on an unsecured loan is £250,000, and for a secured loan the cap is £500,000. However, be aware that Fleximize will only loan up to twice your monthly revenue, so you’ll need to bring in £250,000 per month to borrow the maximum amount.

Will I need to secure borrowing from Fleximize against an asset?

Fleximize offers secured and unsecured loans. If you are willing to secure your loan you will qualify for greater borrowing, and this may help your application if you have a substandard credit history, but secured loans always carry a degree of risk.

How much will a Fleximize loan cost?

Interest on your loan will be assigned upon agreement, and charged monthly. Interest rates with Flexiloan begin at 0.9% but can rise as high as 3.9% monthly. The latter interest rate on a three-year loan could lead to an interest rate over 140% if you take your borrowing to term.

Will Fleximize agree a loan if I have bad credit?

Fleximize do their best to approve all loan applications, and may be willing to look beyond a poor credit score, but you will need to show the lender that you will be capable of repaying the borrowing.

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Business Financed provides general information, but not financial advice. Always speak to a qualified expert to get personalised advice for your business.

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