Fleximize is an award-winning UK digital business lender operating as part of The Alterium Group. Established to support small and medium-sized enterprises across the UK, the provider delivers flexible secured and unsecured working capital solutions. Fleximize combines proprietary underwriting technology with dedicated relationship managers, providing a tailored approach to commercial finance. Its funding facilities include features such as top-ups, repayment holidays, and penalty-free early settlement.
| Feature | Details |
|---|---|
| Provider Type | Lender (Parent group: The Alterium Group) |
| Products Offered | Business loans, Revolving credit / line of credit, VAT and tax loans |
| Minimum Deal Size | £10,000 (£25,000 for sole traders) |
| Maximum Deal Size | £1,000,000 (£500,000 for unsecured loans) |
| Minimum Trading History | 6 months |
| Minimum Monthly Revenue | £5,000 |
| Access Channels | Broker, Direct, Intermediary, Marketplace |
| FCA Firm Reference Number | 935709 (Fleximize Capital Limited) |
| Companies House Number | 07117447 |
Business Finance Products Provided by Fleximize
Fleximize provides several core business finance products directly to eligible companies. These facilities are designed to assist SMEs with ongoing operational costs, growth projects, and tax management:
- Business Loans: The provider offers both secured and unsecured business loans. Unsecured business loans are capped at £500,000. Secured loans reach up to £1,000,000 for businesses based in England and Wales, whereas a £500,000 limit applies to businesses in Scotland and Northern Ireland.
- Revolving Credit / Line of Credit: Flexible credit facilities that allow businesses to draw down capital as funding requirements arise.
- VAT and Tax Loans: Designed to help firms spread the cost of quarterly or annual tax liabilities into manageable instalments.
Fleximize specialises in revenue-based and unsecured finance alongside standard business loans. Loan features include the option to apply for top-up funding, take repayment holidays when eligible, and clear balances early without facing early settlement penalties.
Who Fleximize Suits and Key Eligibility Criteria
Fleximize provides finance solutions to UK limited companies, LLPs, and sole traders looking for flexible working capital loans. To qualify for funding, applicant businesses must meet specific operational thresholds:
- Trading History: Must have been trading for a minimum of 6 months.
- Monthly Revenue: Must generate a minimum monthly revenue of £5,000.
- Sole Trader Eligibility: Sole traders are eligible for funding, but must borrow a minimum deal size of £25,000 to ensure the facility falls outside UK Consumer Credit Act regulations.
- Deal Size Range: Overall funding options range from a minimum deal size of £10,000 to a maximum deal size of £1,000,000.
Commercial business lending in the UK is largely unregulated by the Financial Conduct Authority (FCA). However, group company Fleximize Capital Limited holds FCA firm reference number 935709. The entity is registered under Companies House number 07117447.
How to Access Funding from Fleximize
Fleximize funding can be accessed through direct and indirect application routes depending on business preferences. Available routes include:
- Direct: Business owners can apply directly online via the official website (https://fleximize.com).
- Brokers and Intermediaries: Applications can be submitted through accredited commercial finance brokers and intermediaries.
- Marketplaces: Products are listed across select business funding marketplaces.
Applications are processed using a blend of proprietary underwriting technology and personal oversight from dedicated relationship managers who assist businesses throughout the lending process.
Comparing Commercial Loans with SME Money
Finding the most suitable finance provider requires comparing loan terms, caps, and flexibility features across the commercial lending market. SME Money connects UK businesses with specialist brokers who search over 70 lenders to find the right funding without the bias of a single bank.
If you are exploring options for Business Loans, our broker network can help you review Fleximize alongside alternative direct lenders and commercial funding specialists to ensure you secure terms appropriate for your business needs.