Multifi is a UK business finance provider that specialises in unsecured revolving credit facilities for small and medium enterprises. Operating as a distributor of Modulr FS Limited, an Electronic Money Institution authorised by the Financial Conduct Authority (FCA), Multifi provides flexible working capital solutions to help businesses manage ongoing cash flow and fund short-term operational requirements.
| Feature | Details |
|---|---|
| Provider Name | Multifi (Kactus Technologies Limited) |
| Product Type | Revolving credit line / Flexi Credit |
| Facility Limits | £10,000 to £350,000 |
| Setup Fees | Zero setup fees |
| Interest Structure | Transparent monthly interest |
| Access Channels | Broker, Direct, Intermediary, Marketplace, Partners |
| FCA Reference Number | 900573 (via Modulr FS Limited) |
| Companies House Numbers | 09897919 / 13917946 |
Business Finance Products Offered by Multifi
Multifi focuses specifically on credit lines and flexi-loans, offering a flagship facility known as Flexi Credit. This product is an unsecured revolving credit line ranging from £10,000 to £350,000.
A revolving credit line allows a business to draw down funds up to an approved limit, repay the capital, and draw down again as needed throughout the term of the agreement. Multifi structures this facility with transparent monthly interest rates and zero setup fees, meaning businesses only pay interest on the funds they draw.
Who Multifi Suits and Key Eligibility Criteria
Multifi targets established businesses looking for flexible revolving credit lines to support working capital. However, strict eligibility requirements apply to all prospective applicants.
To qualify for funding through Multifi, a business must meet the following criteria:
- Be an established UK Limited company
- Have been trading actively for at least one full year
- Maintain an annual turnover of £120,000 or more
Excluded Businesses
Multifi does not support all legal structures or geographic regions. The following are explicitly excluded from applying for Multifi credit facilities:
- Sole traders
- Limited Liability Partnerships (LLPs)
- General partnerships
- Early stage startups
- Businesses based in Northern Ireland
How to Access Multifi Facilities
Multifi offers multiple access routes for commercial clients searching for flexible credit lines. Business owners can apply for funding directly or through professional distribution networks. The primary channels include:
- Direct applications via the official website (https://multifi.co.uk)
- Commercial business finance brokers
- Intermediary partners and financial marketplaces
Multifi is the trading name of Kactus Technologies Limited (Company Number 13917946). Regulatory authorization for payment services and e-money distribution is held through Modulr FS Limited under FCA Firm Reference Number 900573.
Compare Business Funding Options with SME Money
While Multifi provides a flexible revolving facility for eligible UK Limited companies, exploring the wider financial market ensures you secure the ideal terms for your business circumstances.
SME Money connects UK business owners with specialist commercial finance brokers who search over 70 lenders across the market. Whether you require a flexible revolving facility or traditional Business Loans, an independent broker offers unbiased market comparison to help you find funding aligned with your business goals.