Fleximize business loans calculator and review

With an emphasis on flexibility, Fleximize provides loans of up to £500,000 to SMEs over 3 to 48 months.

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Fleximize business loans overview

Fleximize is a direct lender (not a broker) launched in 2014 with the aim of providing small and medium-sized enterprises (SMEs) with the sort of financing options usually reserved for larger companies. The Ipswich-based lender says that banks and other big financial institutions have made it much harder than it needs to be for companies to get working capital.

With penalty-free early repayments and top-ups plus a repayment holiday facility, Fleximize is all about – you guessed it – the flexibility. It lends to a variety of industries including retail, construction, manufacturing and property.

See how much it'll cost you to take out a Fleximize loan

Fleximize business loan calculator
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Fleximize business loans comparison

Fleximize business loans

Name Product UKFBL Finder Score Loan type Loan amounts Loan terms Minimum turnover/trading criteria Key benefit
Fleximize logo
3.7
★★★★★
Fixed or variable rate Asset finance loan
No specified loan amounts
No specified loan terms
No specified minimum turnover or time trading
Fleximize logo
4.0
★★★★★
Fixed or variable rate Unsecured loan
£5,000 to £500,000
3 to 48 months
No specified minimum turnover or time trading
Representative example: Borrow £15,000 over 18 months at a rate of 40.8% APR. Monthly repayment of £1,080.67 and the total amount payable is £19,452.06.

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How does Fleximize shape up against other popular business loans

Table: promoted deals first

Name Product UKFBL Finder Score Loan type Loan amounts Loan terms Minimum turnover/trading criteria Key benefit
Nest Business Loans logo
3.5
★★★★★
Fixed rate Unsecured Asset finance loan
No specified loan amounts
No specified loan terms
No specified minimum turnover or time trading
Rise Funding logo
3.8
★★★★★
Asset finance loan
£10,000 to £2,000,000
3 to 72 months
£150,000 per annum annual turnover,
1 year trading
Nest Business Loans logo
4.0
★★★★★
Fixed rate Unsecured loan
£10,000 to £5,000,000
No specified loan terms
£200,000 annual turnover,
1 year trading
Fleximize logo
3.7
★★★★★
Fixed or variable rate Asset finance loan
No specified loan amounts
No specified loan terms
No specified minimum turnover or time trading
Nucleus logo
Not yet rated
Fixed rate Unsecured loan
£3,000 to £2,000,000
3 to 72 months
No specified minimum turnover,
12 months trading
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Quick overview of Fleximize business loans

Minimum trading period Not specified
Loan terms From 3 to 48 months
Loan amounts From £5,000 to £500,000
Minimum turnover Not specified

Fleximize unsecured loans at a glance

Fleximize will lend up to a maximum of two months’ revenue, so if your typical monthly revenue is £10,000, it’ll be able to lend up to £20,000.

Interest rates are fixed for the duration of your repayment period. However, the rate you’re offered will depend on factors like the amount you apply for, the term of the loan, the performance of your business and its credit rating. This may differ from the advertised “representative APR”.

You’ll benefit from ongoing support from a dedicated relationship manager plus exclusive discounts on market-leading business tools from Fleximize’s network of B2B partners.

Ticking yet another flexibility box, Fleximize can also review your company for a lending top-up provided you’ve met your first three monthly repayments on time.

Fleximize secured loans

Below £250,000, Fleximize can often provide loans with just a personal guarantee, but for all loans over this figure, it’ll need security.

Fleximize key features

Am I eligible for a Fleximize business loan?

You should only apply for an Fleximize business loan if you’re certain you can meet the repayment terms. You must also meet the following eligibility criteria:

How can I apply?

  1. Complete the online application form with some details about your business. Fleximize will ask for all bank statements covering the previous 3 months of trading, the most recent set of management accounts and a summary of your previous 12 months’ revenue. You can upload these via the website once you have submitted your application. Depending on the complexity of your business, Fleximize may ask for further documentation.
  2. Receive a decision in principle within 24 hours.
  3. You will be allocated a relationship manager who will call you and take you through a proposal customised to your needs.
  4. When it gets your application, Fleximize will carry out a credit and affordability assessment based on the information you have provided, plus a search from a credit reference agency.
  5. After you’ve signed your finance agreement, your funding will be sent to your bank account within a few hours.

Looking for other companies like Fleximize?

NameEstablishedDescription
Kriya Small Business Loan Kriya 2010 Fixed rate unsecured peer-to-peer loan More info
iwoca Small Business Loan iwoca 2011 Variable rate unsecured loan More info
Nucleus Cash Flow Finance Nucleus 2011 Fixed rate unsecured loan More info
Funding Circle Unsecured Business Loan Funding Circle 2010 Fixed rate unsecured line of credit More info

Fleximize customer reviews

Fleximize has received positive reviews from customers according to review website Trustpilot, where it currently has an “excellent” rating of 4.9 out of 5, based on over 580 reviews (updated May 2022).

Over 90% of customers on Trustpilot gave Fleximize an “excellent” review, with people highlighting their customer service, quick turnarounds and straightforward application process.

Customer support

You can contact customer support by filling out an online form which can be found on te website, or alternatively you can call Fleximize on 020 7100 0110.

The bottom line

With decent early repayment terms, the option to top-up loans and even to take “repayment holidays”, Fleximize is best-suited to companies with cash flow that isn’t 100% regular that would benefit from flexibility in paying back finance.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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Chris has written 609 Finder guides across topics including:
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