Alternatives to Fleximize

4 UK business loan alternatives to Fleximize, compared on product type, ticket band, rate, decision speed and eligibility.

Fleximize vs the 4 alternatives

Fleximize compared with 4 alternatives, last reviewed 2026-04-26
	Fleximize	iwoca	Funding Circle	Just Cashflow	Tide loans (Funding Options)
Product	Term loan with flex features	Flexi-loan / line of credit	Term loan	Revolving credit / cashflow facility	Broker / aggregator (not a direct lender)
Ticket	£5k to £500k	£1k to £500k	£10k to £500k	£10k to £500k	£500 to £20m (panel-priced)
Rate	From 0.9% per month	From 2% per month	6.9% to 26.9% APR	0.5% to 2.5% per month on drawn balance	Varies by panel lender
Decision	24 to 48 hours	Same day to 24 hours	1 to 3 business days	24 to 72 hours	24 hours to 5 days
Soft search	Yes	Yes	Yes	Yes	Yes
Rating	4.0	4.4	4.3	0.0	3.9

iwoca

Same day to 24 hours · From 2% per month

iwoca is a UK flexi-loan and line-of-credit provider founded 2011, FCA regulated, tickets £1k to £500k with same-day to 24-hour decisions. The draw-as-you-go structure makes iwoca the best mainstream option for working c

Best for: Working capital and cash-flow gaps, Newer Ltd companies (12 months+).

Funding Circle

1 to 3 business days · 6.9% to 26.9% APR

Funding Circle is the largest UK SME term-loan platform, founded 2010, FCA regulated, with tickets from £10k to £500k and decisions in one to three business days. The published rate range (6.9% to 26.9% APR) is wide, so

Best for: Established Ltd companies, Working capital £25k-£250k.

Just Cashflow

24 to 72 hours · 0.5% to 2.5% per month on drawn balance

Just Cash Flow plc entered administration in 2025 (administrators: FRP Advisory). The legal entity remains on Companies House at CN 08508165. Historically a revolving-credit and cashflow-facility lender for established U

Best for: Reference / historical context only.

Tide loans (Funding Options)

24 hours to 5 days · Varies by panel lender

Tide loans is a broker product, not a direct lender. Tide Platform Limited (founded 2015, Companies House 09595646) acquired Funding Options in 2023 and now matches applicants to 80+ panel lenders for tickets from £500 t

Best for: Existing Tide banking customers, Post-decline rerouting via BRS.

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Last reviewed: 2026-04-26. Editorial by Oliver Mackman.