When we set up FlexABL, we had a vision of creating a lending business that’s always on the side of the small business owner.


Reasons to Choose FLEXABL

We provide a service that our clients can rely on, through good times and bad. As a FlexABL client, we are absolutely clear on our commitment to you that we will:

Understand your business

Every business is unique and has different goals. By really understanding your business and aspirations, we are better placed to help you.

Not tie you into inflexible contracts

Who knows what is around the corner? Our rolling 30 day notice agreements will give you peace of mind that we will always be driven to deliver an exceptional service to you.

Be easy to deal with

Our smart technology exists solely to speed up and simplify the process of turning your unpaid invoices into cash. If you have used invoice finance before, you’ll quickly see how different this makes our service.

Deliver FlexABL products

Because we make every effort to understand your business, we’re able to tailor products to match your unique needs.

Give value for money

By offering a personalised service and transparent fee structure, we will strive to deliver value, to you, every single day.

Be Responsible

We are committed to give back to the communities in which we live and work. We also want to play our part in looking after our planet and will run our business accordingly.



As the economy recovers, many small business owners will need a lender that is on their side, through the ups and downs ahead.

Our Vision

Having worked together previously, we knew that we had the same values on how small business owners should be looked after – we know that they deserve a better deal from the financial services sector generally.

We set up FlexABL with a vision of being a lender that is easy to do business with, by creating a culture where business owners are respected and valued for the contribution they make to the UK economy.

More than ever, small businesses need someone in their corner and we want to be seen as a lender that can be relied on, through every stage of a business’s life.

Paul Stokes
Director & Owner

M. 07557 303 333

Kirsty Ibbotson
Director & Owner

M. 07917 485 508

Moving away from our old provider, felt like a very big move after such an unsettled few months with the pandemic. It was the best decision we could have made, the transition was seamless and Kirsty was on hand throughout. We are juggling a significant time difference due to our accounts department being based in New Zealand, but even this element has worked well. The personable approach works very well with how we operate, and I would highly recommend FlexABL to any organisation looking to use this facility.

Hayley, Director of a recruitment company

Frequently Asked Questions

If you can answer yes to the following questions, then please get in touch with us to discuss next steps:

  • Is your business incorporated in England or Wales?
  • Do you sell to other businesses and invoice your customers on credit terms for goods or services you’ve provided?
  • Is your business’s annual turnover at least £200,000 (or projected to be for new-start businesses)?

We can provide Invoice Finance to businesses across a wide variety of industries and sectors; if you would like to speak to a member of the team about your requirements then please click here for our contact details.

Our facilities typically start at £25,000 and we can offer up to £500,000, based on the value of your eligible debtors.

We can provide flexibility to suit your needs, be that a one-month rolling contract or the comfort of a longer-term commitment. We are confident in our ability to provide you with a high-quality service, through our team of experienced Client Managers and user-friendly systems, so do not feel the need to tie you into lengthy, inflexible contracts.

We will always be transparent and up-front about what a facility with us will cost you. However, there is no one size fits all pricing structure, as every business is different, but hopefully the following guidelines will help.

There are 3 main charges that you need to be aware of:

  • Service Charge. Typically a percentage of the amount of invoices assigned to us, the value of which depends on factors such as the size of your facility with us and the amount of work involved in managing your sales ledger (for example, do you want us to undertake credit control on your behalf?).
  • Discount Charge. The cost of funds borrowed, calculated daily and will usually be expressed as a margin over Bank Base Rate.
  • Additional Fees, for example, Arrangement Fees when you first start the facility with us or Payment Fees when you wish to draw funds. Any additional fees applicable will be outlined clearly in your agreement and discussed with you at the outset.

The above is just a basic guide and in addition to traditional percentage-based service charges, we have a range of innovative pricing structures:

  • PayABL – for those that want a simple, all-in fee. Typically 2.5% of the gross value of each invoice assigned to us.
  • AdaptABL – only pay for what you borrow. A daily borrowing fee of between 0.05%-0.1%.
  • ReliABL – for those with stable, predictable borrowing requirements, a fixed monthly fee, with a daily discount rate charged annually.

For a tailored quote, please click here.

As is usual with Invoice Finance agreements, we will normally ask for some form of personal guarantee or warranty from the directors of the business. The level of this personal commitment will depend upon a variety of factors, which we will discuss with you as part of the application process.

The simple answer – within days, subject to us having all the financial information that we require in order to approve your facility. Normally, the approval and onboarding process will take between 2 and 4 weeks, but we can act quicker, should you need us to.

Because you will always have access to a decision-maker, and through the use of easy-to-use technology, we can speed up the whole application process. Wherever possible, we will respond to borrowing requests with an Agreement in Principle and a detailed quote within 24 hours of your application. We will then be driven by you as to how quickly you need us to turn your outstanding invoices into cash.

The quickest way to set up a facility with us is through a connection with your accounting package. Our automated process will provide a more flexible, responsive application experience which will eliminate much of the administrative work involved in running an Invoice Finance facility. To find out more, go to our How It Works page.

Our facility agreements are sent and signed via an online e-sign service – secure, swift and stress free.

In order to be able to approve a facility, we will usually ask for the following information:

  • Identity documents for the directors and beneficial owners of the business
  • A copy of your Aged Debtor Report, along with supporting information as requested
  • Your latest financial accounts

We may ask you for other information specific to your needs.

There can be benefits to disclosing your facility to your customers, allowing us to assist your credit control and save you time by emailing monthly statements to your customers and obtaining payment dates.

However, we also offer confidential facilities, where your customers will not be aware of our involvement. We would still require validation of invoicing from time to time, but we will agree with you on how best to obtain this confidentially.

Yes, any customers you choose to be notified for funding, will need to make payments directly to our bank account. However, we hold individual trust accounts for each of our clients, so payments can be posted to your facility quickly, without any risk of misallocated cash. These trust accounts will be held in your business name so again your customers will not be aware of our involvement.

You will have 24 hour access to our online system via PC, laptop or mobile device and as we operate a real-time system, you can be sure that your account will always show the most up-to-date position

We may not always get it right 100% of the time, and we always welcome your feedback, good or bad.

Hopefully any complaints can be resolved quickly and to your complete satisfaction, directly with your Relationship Manager, however if you are still not happy then please email us at and a Director will contact you at the very earliest opportunity to discuss your situation

Your answer to simplified cashflow. Click here to apply.


Please call/email us directly, or use the contact form and we will be in touch to discuss your requirements.

Flex ABL Ltd,
Suite 28-29,
Lake View House,
Wilton Drive,
CV34 6RG

0333 123 1111
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