Fleximize Business Loans Review

  • Loan Types: P2P Business Lending & Cash Advance
  • Availability: UK (£3000+ Per Month with 20% Margin UK Businessess)
  • Securities: Both Unsecured & Secured
  • Loan amount: £1 – £100,000
  • Interest: Cash Advance – No Fixed APR; Traditional Installments – Not Advertised
  • Overall Rating: Innovative 4.5 / 5.0

About Fleximize

Fleximize is an up-and-coming SME lender. Rather than lead with a traditional P2P investor/borrower approach to the loan process, Fleximize gets a cash infusion from investors, then makes it available to businesses in exchange for a fixed percentage of their future revenue.

These funds are paid monthly, until the debt is paid off. Traditional P2P business loans are also available. Though Fleximize isn’t yet a key industry player, early customer reviews have been overwhelmingly positive.

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Flexible Repayments

Fleximize allows borrowers to take two “holiday” months in which where they pay for interest only.

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Quick Approval

Often loans are approved or rejected within hours, and never more than 7 days.

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Credible / Authorised

Registered with FCA for: Consumer Credit Activities, Credit Brokerage, and Consumer Credit Activities, as well as the Data Protection Act.

The Good and the Bad


  • Loan Flexibility. With Cash Advance (“Revenue Advance” on their website) and P2P Business Loans offered, customers have yet another option in securing much-needed financing.
  • Repayment Flexibility. After a certain point, borrowers may choose to take a “holiday” and pay only interest for up to two months, before resuming normal payments.
  • Quick Approval
  • Average Rating 9.2 in TrustPilot


Fleximize does not advertise its interest rates. They do however maintain that their interest and fee structures are transparent and invariable once the loan process is initiated, something customers seem to agree with.

Which Type of Companies do They Apply to?

Fleximize’s eligible business criteria are very simple. To qualify a business must have:

  1. 6 month trading history
  2. At least £3,000 average monthly revenue
  3. Reasonable gross margin on your product – above 20%

Are Bad Credit Businesses Accepted?

Fleximize estimates that 15% of their customer base have previously been denied loans at other financial institutions. While not all applicants will be accepted, Fleximize’s Cash Advance model enables qualifying businesses to effectively “take however long it takes”. This option opens the door to customers who don’t want to risk their equity to secure a loan.

Early Repayments & Comparison

There are no fees or penalties for early repayment. This is fairly standard in marketplace financing, where high interest rates can undermine the value of convenience derived from quick financing.

How do they compare with other companies in the industry:

Fleximize is expanding quickly, but is still a relative newcomer in the market. Their approach to Cash Advance financing is somewhat novel, and will open a door to an underserved business population. Their early reputation is quite good.

Reputation & Feedback

TrustPilot gives Fleximize a 9.2, with only 1 negative review out of 42. The company was quick to respond to this complaint, and the issue is considered resolved.


Because Fleximize does not publish interest rates, and other details people want to know when considering a loan provider, it is difficult to determine their credibility and competitiveness in that regard. Nonetheless, customers seem happy with the deal they got, and the ease with which it was given.

A number of news sources, such as Only Strategic, are covering Fleximize’s rise in the UK marketplace lending industry.

For investors:

Fleximize primarily advertises to borrowers, not investors. Though they do use a typical P2P financing model, investors interested in becoming part of the service will be better served contacting Fleximize than looking for a strictly delineated investor channel.

One of the most innovative companies in the domain of business loans, with unique possibilities which are not accessible via traditional cash advance.
Though Fleximize is a newcomer, it is gaining popularity quickly, and could very well become a market leader, as it takes “Flexibility” into a whole new level.

Bottom Line

Fleximize is especially good for businesses who may have been denied a loan by other lenders. Their Cash Advance option (as well as “Principal Holidays” and other novelties) gives them a leg up over lenders that simply provide traditional loans through P2P. Flexibility really is their MO, and it shows with their early bevy of happy and articulate customers.