Fleximize: products, terms and eligibility

Fleximize is a UK provider of unsecured business loans. The legal entity named on its site is Fleximize Capital Limited (part of The Alterium Group), company number 09485920. It is based in Ipswich. It gives its founding year as 2013. It is part of The Alterium Group.

Fleximize says it launched in 2014 as a digital business lender. It is owned by The Alterium Group, through Alterium Limited, Fleximize Limited and Fleximize Capital Limited. Its offices are at Holbrook House, 51 John Street, Ipswich.

In its own words on scale:

• Says it has lent hundreds of millions to small businesses across the UK (statement on its site in October 2026).

Everything on this page comes from what Fleximize publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Fleximize publishes 2 products for UK businesses. The table above gives the amounts and terms as it states them.

• Flexiloan: Monthly repayments; penalty-free early repayment.
• Flexiloan Lite: Monthly repayments; penalty-free early repayment.

Flexiloan

A business loan repaid in monthly instalments over terms of 12 to 60 months, available as unsecured or secured borrowing. Unsecured loans need no company or personal assets as security but need a personal guarantee, which is not tied to a specific asset. Fleximize says it has a Penalty-Free Promise for early repayment and that top-ups are available as standard on unsecured loans after successful initial repayments.

Flexiloan Lite

A shorter-term loan with terms of 3 to 12 months for businesses trading for at least 6 months, repaid monthly. Fleximize says early repayment is penalty-free.

Fleximize says its finance is used for:

• Equipment purchases
• Office refurbishment
• Covering unexpected costs
• Boosting cash flow
• Working capital
• Debt consolidation

Fleximize publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Flexiloan: businesses trading for at least 12 months.
• Flexiloan Lite: businesses trading for at least 6 months.
• Recent record of timely debt repayment and strong financial performance.
• Unsecured loans: no company or personal assets needed as security.

Fleximize describes its process like this:

1. Complete the online application form.
2. Receive an initial decision.
3. Provide supporting documents for the decision.
4. Brokers and introducers apply through a dedicated account manager and an online deal-submission portal.

Every application is subject to status and the lender’s own criteria at the time.

An unsecured business loan is a fixed sum repaid in instalments over an agreed term, without a charge over a specific asset. Most lenders still ask the directors for a personal guarantee, which makes them personally liable if the company cannot repay.

Lenders price each loan on the business’s trading history, turnover and credit profile, so the offer you receive can differ from the published range. Compare the total cost in pounds and the repayment pattern, not only the headline rate: our guide on how to compare business loan lenders shows how.

Points Fleximize publishes that are worth knowing:

• Unsecured loans need a personal guarantee, which is not tied to a specific asset.
• Secured borrowing options are also offered.
• Says it has a penalty-free promise for early repayment.
• Top-ups are available on unsecured loans.

Security and guarantees

Unsecured loans require no company or personal assets as security but need a personal guarantee. Secured borrowing options are also offered. Early repayment carries no penalty, under its Penalty-Free Promise.

Fleximize’s site states: “The Alterium Group: Alterium Limited (08621989), Fleximize Limited (07117447) and Fleximize Capital Limited (09485920). Postal & Registered Address: Holbrook House, 51 John Street, Ipswich, IP3 0AH.”

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of unsecured business loans with profiles here include Funding Alternative, Funding Circle and FW Capital. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.