Fintex Capital provides multifi with up to £15 million to expand lending to UK SMEs

• UK lender multifi has secured up to £15 million from Fintex to accelerate its growth. Since 2023, multifi has already provided more than £40 million of loans to UK businesses and it expects this figure to exceed £100 million over the next three years.
• SMEs are the backbone of the UK economy, driving growth and employment across the country. Yet, the SME lending market remains underserved with many healthy businesses struggling to secure the financing they deserve. multifi addresses this by providing customers with simple, fair and transparent access to credit.
• Fintex Capital, a specialty finance investor with a long-standing track record of supporting non-bank lenders, shares multifi’s conviction on the importance of expanding access to credit for SMEs in the UK.

London / Luxembourg, 5th of August 2026 – Fintex Capital, an experienced specialty finance investor with a decade-long track record of supporting non-bank lenders in the UK and beyond, has agreed to provide up to £15m via a revolving credit facility to multifi, the specialist fintech lender focused on established UK SMEs.

The new facility enables multifi to expand its provision of much-needed financing for UK SMEs by offering working capital finance and term loans. Working closely with the intermediary community, multifi reaches ambitious businesses across the UK that remain underserved by traditional lenders. It simplifies business finance by offering easy access to credit with fixed rates, fast payments and a smooth process.

By combining Open Banking with proprietary credit decisioning technology, multifi delivers fast, transparent and hassle-free access to business finance. Growing businesses across all sectors can apply for credit online, pay suppliers directly and benefit from competitive, transparent pricing.

Robert Stafler, CEO at Fintex, said:

“Fintex has funded UK SME lenders before and understands the critical role non-bank lenders like multifi play in expanding access to finance, particularly as traditional banks have withdrawn from important segments of the SME lending market. As a data-driven asset manager, disciplined underwriting is fundamental to our approach; multifi’s strong multi-year track record and analytical risk management framework are qualities we appreciate in a lending partner. The feedback from brokers and borrowers was also strong, reinforcing our confidence in multifi’s ability to grow its market share. We look forward to supporting multifi over the long term as they continue to scale their lending into this important business community in the UK.”

Rob Keown-Boyd, CEO of multifi, said:

“We are delighted to have Fintex as a partner, as we accelerate our growth to support more UK SMEs. We see owners and management teams making sacrifices and working hard every day to deliver for their customers. Access to flexible, fast and simple finance solves a key pinch point and gives them the confidence to invest and grow. With Fintex Capital’s backing, we are ready to scale up and take multifi to the next level: we expect to provide more than £100 million of debt finance to UK SMEs over the next 3 years, helping more businesses access the working capital and growth financing they require.”

About multifi

multifi is a specialist fintech lender providing fast, flexible and transparent finance to established UK SMEs. Its core product, Flexi Credit, is an unsecured revolving credit facility of £10,000 to £350,000, with interest charged only on the funds a business draws and no setup, platform or early-repayment fees. multifi typically delivers a decision within 24 hours and lets businesses draw, repay and reload without reapplying. Founded in 2023 by the founding team behind payments business Pay4, multifi works closely with the UK intermediary community to reach ambitious businesses underserved by traditional lenders. In 2026 it was named ‘Most Transparent SME Lender’ at the SME News UK Enterprise Awards. Since 2023, multifi has lent more than £40 million to UK businesses.

multifi is a trading name for Kactus Technologies Limited (company no. 13917946). multifi is a distributor of Modulr FS Limited, authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number 900573).

About Fintex

Fintex Capital is a pioneering investment firm specialising in private debt, focused on specialty finance, property finance and asset-backed finance. The firm is known for providing senior, stretch-senior and mezzanine finance to lending firms and operating businesses in the UK and beyond. Fintex manages discretionary investment funds, as well as segregated managed accounts on behalf of institutional investors and family offices.

Since its founding, Fintex has successfully deployed more than £400 million across the UK, Europe and the USA – in senior and mezzanine facilities – primarily to support the growth of loan books of specialist lenders. Fintex is also active in property finance and asset-backed finance, providing debt solutions not only to specialist lenders (including loan-on-loan facilities) but also directly to real estate owners and buyers. Fintex also provides asset-backed financing to support asset-backed operating businesses such as hotels or schools and other companies with hard-asset collateral. In doing so, Fintex has built a strong track record across a variety of lending verticals, including SME lending, motor vehicle finance, buy-to-let mortgages, property bridging and consumer credit – across different market cycles, in the UK, Germany and the USA.

Fintex Capital’s flagship UK fund, Fintex Private Debt, has a track record of more than four years of consistently delivering double-digit net returns.

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