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 limited companies and LLPs. 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.
Quick verdict
- Product: Revolving credit (Flexi Credit).
- Ticket band: £10k to £350k.
- Pricing: From 1.99% per month on drawn funds (multifi's published rate).
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
- 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.
- Purpose-built for Ltd/PLC/LLP borrowers.
- 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.
- Only a from-rate is published; the rate you get is set per application.
- A young lender (2023) with a shorter UK track record than the established names we review.
Best fit applicants
- Established Ltd or LLP companies (1+ years trading, £120k+ revenue) wanting a flexible revolving facility rather than a fixed-term loan
Where multifi is the wrong fit
- 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. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + 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: £10k to £350k. Typical rate: From 1.99% per month on drawn funds (multifi's published rate).
How long does multifi take to decide?
Under 24 hours for 85% of applicants (multifi's own figure)
Who is multifi the best fit for?
First on the list: Established Ltd or LLP companies (1+ years trading, £120k+ revenue) wanting a flexible revolving facility rather than a fixed-term loan. The full list is under Best fit applicants above.
When might another lender suit better than multifi?
First on the list: Newer companies under 1 year of trading. 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. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: multifi
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.