Mimo Flex

Grow now. Pay suppliers later.

Grow now. Pay
suppliers later.

Grow now. Pay
suppliers later.

Grow now. Pay suppliers later.

Access flexible financing to fund your business growth. No monthly interest, no fees on unused funds, no personal guarantees.

Access flexible financing to fund your business growth. No monthly interest, no fees on unused funds, no personal guarantees.

Access flexible financing to fund your business growth. No monthly interest, no fees on unused funds, no personal guarantees.

Access flexible financing to fund your business growth. No monthly interest, no fees on unused funds, no personal guarantees.

Apply now

Request a call

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Jeremy May

Co-founder at Nice Drinks

Capital that grows with you

Affordable financing

£1m

£1m

£1m

£1m

Access £5k - £1m in flexible credit, directly from your Mimo dashboard.

Flexible terms

90d

90d

90d

90d

Flexible repayment terms from 30 to 90 days. You choose what works best.


Fast turnaround

24h

24h

24h

Apply in minutes, get a response within 24–48 hours. No commitment, no fees.

Trusted by UK based businesses, Accountants & Bookkeepers

Trusted by UK based businesses, Accountants & Bookkeepers

Trusted by UK based businesses, Accountants & Bookkeepers

Trusted by UK based businesses, Accountants & Bookkeepers

Trusted by UK based businesses, Accountants & Bookkeepers

Loved by brands

01

Apply in minutes

Tell us about your business and how much financing you need. We'll use your performance data to personalise an offer.

01

Apply in minutes

Tell us about your business and how much financing you need. We'll use your performance data to personalise an offer.

01

Apply in minutes

Tell us about your business and how much financing you need. We'll use your performance data to personalise an offer.

01

Apply in minutes

Tell us about your business and how much financing you need. We'll use your performance data to personalise an offer.

01

Apply in minutes

Tell us about your business and how much financing you need. We'll use your performance data to personalise an offer.

02

Get a response in hours

Receive an offer and set up your Mimo account. Once approved, funds can reach your account in as little as 24 hours.

02

Get a response in hours

Receive an offer and set up your Mimo account. Once approved, funds can reach your account in as little as 24 hours.

02

Get a response in hours

Receive an offer and set up your Mimo account. Once approved, funds can reach your account in as little as 24 hours.

02

Get a response in hours

Receive an offer and set up your Mimo account. Once approved, funds can reach your account in as little as 24 hours.

02

Get a response in hours

Receive an offer and set up your Mimo account. Once approved, funds can reach your account in as little as 24 hours.

03

Use Flex for any payment

Put your capital to work instantly. Use Flex to pay suppliers or cover expenses in one click, right from your Mimo dashboard.

03

Use Flex for any payment

Put your capital to work instantly. Use Flex to pay suppliers or cover expenses in one click, right from your Mimo dashboard.

03

Use Flex for any payment

Put your capital to work instantly. Use Flex to pay suppliers or cover expenses in one click, right from your Mimo dashboard.

03

Use Flex for any payment

Put your capital to work instantly. Use Flex to pay suppliers or cover expenses in one click, right from your Mimo dashboard.

03

Use Flex for any payment

Put your capital to work instantly. Use Flex to pay suppliers or cover expenses in one click, right from your Mimo dashboard.

04

Smooth your cash flow

We pay your supplier, and you repay by direct debit at the end of the term. Your credit resets automatically and is ready to use again.

04

Smooth your cash flow

We pay your supplier, and you repay by direct debit at the end of the term. Your credit resets automatically and is ready to use again.

04

Smooth your cash flow

We pay your supplier, and you repay by direct debit at the end of the term. Your credit resets automatically and is ready to use again.

04

Smooth your cash flow

We pay your supplier, and you repay by direct debit at the end of the term. Your credit resets automatically and is ready to use again.

04

Smooth your cash flow

We pay your supplier, and you repay by direct debit at the end of the term. Your credit resets automatically and is ready to use again.

Fast & flexible
funding

Fast & flexible
funding

Fast & flexible
funding

Apply in minutes

Apply in minutes

Apply in minutes

Funds available within days

Funds available within days

Funds available within days

No personal guarantees

No personal guarantees

No personal guarantees

Only pay for what you use

Only pay for what you use

Only pay for what you use

Payments automatically reconciled

Payments automatically reconciled

Payments automatically reconciled

Apply now

Request a call

Trusted by growing brands

Trusted by growing brands

Keep more capital,
pay less in fees.

Borrow what you need. Pay once, only for what you've used. No monthly interest, no charges on unused funds, no personal guarantees.

Mimo Flex

Keep the total amount you've borrowed for up to 90 days and repay once at the end. That means better use of your funds and a lower total cost compared to alternatives.

Usage

Full amount available through revolving facility

Repayments

One repayment

Pricing

Pay only for what you use

Bookkeeping

Automatically reconciled

Monthly fee

1.8%*

Effective APR

21.60%*

Other alternatives

Installment-based loans

Invoice finance

Usage

Reduces as repayments begin after 1 month

Repayments

Fixed monthly repayments

Pricing

Interest charged on full loan

Bookkeeping

Manual reconciliation required

Monthly fee

1.5%*

Effective APR

26.80%*

* Example rates, real rates vary

Keep more capital,
pay less in fees.

Borrow what you need. Pay once, only for what you've used. No monthly interest, no charges on unused funds, no personal guarantees.

Mimo Flex

Keep the total amount you've borrowed for up to 90 days and repay once at the end. That means better use of your funds and a lower total cost compared to alternatives.

Usage

Full amount available through revolving facility

Repayments

One repayment

Pricing

Pay only for what you use

Bookkeeping

Automatically reconciled

Monthly fee

1.8%*

Effective APR

21.60%*

Other alternatives

Installment-based loans

Invoice finance

Usage

Reduces as repayments begin after 1 month

Repayments

Fixed monthly repayments

Pricing

Interest charged on full loan

Bookkeeping

Manual reconciliation required

Monthly fee

1.5%*

Effective APR

26.80%*

* Example rates, real rates vary

Keep more capital, pay less in fees.

With Mimo, you get more time, more flexibility, and better use of your credit.

Mimo Flex

Keep the total amount you've borrowed for up to 90 days and repay once at the end. That means better use of your funds and a lower total cost compared to alternatives.

Usage

Full amount available through revolving facility

Repayments

One repayment

Pricing

Pay only for what you use

Bookkeeping

Automatically reconciled

Monthly fee

1.8%*

Effective APR

21.60%*

Other alternatives

Installment-based loans

Invoice finance

Usage

Reduces as repayments begin after 1 month

Repayments

Fixed monthly repayments

Pricing

Interest charged on full loan

Bookkeeping

Manual reconciliation required

Monthly fee

1.5%*

Effective APR

26.80%*

* Example rates, real rates vary

Keep more capital,
pay less in fees.

Borrow what you need. Pay once, only for what you've used. No monthly interest, no charges on unused funds, no personal guarantees.

Mimo Flex

Keep the total amount you've borrowed for up to 90 days and repay once at the end. That means better use of your funds and a lower total cost compared to alternatives.

Usage

Full amount available through revolving facility

Repayments

One repayment

Pricing

Pay only for what you use

Bookkeeping

Automatically reconciled

Monthly fee

1.8%*

Effective APR

21.60%*

Other alternatives

Installment-based loans

Invoice finance

Usage

Reduces as repayments begin after 1 month

Repayments

Fixed monthly repayments

Pricing

Interest charged on full loan

Bookkeeping

Manual reconciliation required

Monthly fee

1.5%*

Effective APR

26.80%*

* Example rates, real rates vary

Keep more capital, pay less in fees.

With Mimo, you get more time, more flexibility, and better use of your credit.

Mimo Flex

Keep the total amount you've borrowed for up to 90 days and repay once at the end. That means better use of your funds and a lower total cost compared to alternatives.

Usage

Full amount available through revolving facility

Repayments

One repayment

Pricing

Pay only for what you use

Bookkeeping

Automatically reconciled

Monthly fee

1.8%*

Effective APR

21.60%*

Other alternatives

Installment-based loans

Invoice finance

Usage

Reduces as repayments begin after 1 month

Repayments

Fixed monthly repayments

Pricing

Interest charged on full loan

Bookkeeping

Manual reconciliation required

Monthly fee

1.5%*

Effective APR

26.80%*

* Example rates, real rates vary

Don't just

take our word for it

Don't just take our word for it

Don't just take our
word for it

  • Mimo really tries to tackle one of the most crucial B2B challenges of our time — the good, the bad and the ugly of cashflow management. With my customers & suppliers using it, we can trade more flexibly and easily.

    Newcomer Wines

    Peter Honegger, Co-founder

  • Paying supplier invoices is time consuming! With Mimo, we’re looking at significant time savings, while controlling our cashflow with the built-in credit line. We’re excited to work with Mimo!

    Days Brewing

    Rob Johns, Finance Director

  • Surreal is growing fast and Mimo has been crucial to save time on financial admin and improve working capital. With this, we have accelerated our partnerships with some of the UKs largest retailers.

    Surreal

    Ruth Ball, Financial Controller

  • With Mimo, we have been able to save time, move fast and reduce cashflow drag when scaling. This has been particularly valuable when launching our new partnership with Tesco!

    Better Nature

    Chris Kong, Co-founder

  • My business naturally sees some seasonality, and Mimo gives me the tools to stay in control over time. It also saves me time, so I can focus on running my business rather than financial admin and fundraising. 

    Provisions

    Hugo Meyer Esquerré, Founder

  • Mimo allows for simple and effective approval flows to collaborate within the finance team. We process supplier invoices and payroll payouts easily, which allows optimisation of payment runs and our cash flow. We love Mimo!

    Misfits Health

    James Cooper, Senior Finance Manager

  • By pioneering new technologies and maintaining a market-leading position, Mimo consistently pushes the boundaries of what accounting software can achieve.

    IT & Accounting Solutions

    Marcel Jung, Owner

  • Mimo allows for simple and effective approval flows to collaborate within the finance team. We process supplier invoices and payroll payouts easily, which allows optimisation of payment runs and our cash flow. We love Mimo!

    Misfits Health

    James Cooper, Senior Finance Manager

  • Mimo really tries to tackle one of the most crucial B2B challenges of our time — the good, the bad and the ugly of cashflow management. With my customers & suppliers using it, we can trade more flexibly and easily.

    Newcomer Wines

    Peter Honegger, Co-founder

  • Paying supplier invoices is time consuming! With Mimo, we’re looking at significant time savings, while controlling our cashflow with the built-in credit line. We’re excited to work with Mimo!

    Days Brewing

    Rob Johns, Finance Director

  • Surreal is growing fast and Mimo has been crucial to save time on financial admin and improve working capital. With this, we have accelerated our partnerships with some of the UKs largest retailers.

    Surreal

    Ruth Ball, Financial Controller

  • With Mimo, we have been able to save time, move fast and reduce cashflow drag when scaling. This has been particularly valuable when launching our new partnership with Tesco!

    Better Nature

    Chris Kong, Co-founder

  • My business naturally sees some seasonality, and Mimo gives me the tools to stay in control over time. It also saves me time, so I can focus on running my business rather than financial admin and fundraising. 

    Provisions

    Hugo Meyer Esquerré, Founder

  • Mimo allows for simple and effective approval flows to collaborate within the finance team. We process supplier invoices and payroll payouts easily, which allows optimisation of payment runs and our cash flow. We love Mimo!

    Misfits Health

    James Cooper, Senior Finance Manager

  • By pioneering new technologies and maintaining a market-leading position, Mimo consistently pushes the boundaries of what accounting software can achieve.

    IT & Accounting Solutions

    Marcel Jung, Owner

  • Mimo allows for simple and effective approval flows to collaborate within the finance team. We process supplier invoices and payroll payouts easily, which allows optimisation of payment runs and our cash flow. We love Mimo!

    Misfits Health

    James Cooper, Senior Finance Manager

  • Mimo really tries to tackle one of the most crucial B2B challenges of our time — the good, the bad and the ugly of cashflow management. With my customers & suppliers using it, we can trade more flexibly and easily.

    Newcomer Wines

    Peter Honegger, Co-founder

  • Paying supplier invoices is time consuming! With Mimo, we’re looking at significant time savings, while controlling our cashflow with the built-in credit line. We’re excited to work with Mimo!

    Days Brewing

    Rob Johns, Finance Director

  • Surreal is growing fast and Mimo has been crucial to save time on financial admin and improve working capital. With this, we have accelerated our partnerships with some of the UKs largest retailers.

    Surreal

    Ruth Ball, Financial Controller

  • With Mimo, we have been able to save time, move fast and reduce cashflow drag when scaling. This has been particularly valuable when launching our new partnership with Tesco!

    Better Nature

    Chris Kong, Co-founder

  • My business naturally sees some seasonality, and Mimo gives me the tools to stay in control over time. It also saves me time, so I can focus on running my business rather than financial admin and fundraising. 

    Provisions

    Hugo Meyer Esquerré, Founder

  • Mimo allows for simple and effective approval flows to collaborate within the finance team. We process supplier invoices and payroll payouts easily, which allows optimisation of payment runs and our cash flow. We love Mimo!

    Misfits Health

    James Cooper, Senior Finance Manager

  • By pioneering new technologies and maintaining a market-leading position, Mimo consistently pushes the boundaries of what accounting software can achieve.

    IT & Accounting Solutions

    Marcel Jung, Owner

  • Mimo allows for simple and effective approval flows to collaborate within the finance team. We process supplier invoices and payroll payouts easily, which allows optimisation of payment runs and our cash flow. We love Mimo!

    Misfits Health

    James Cooper, Senior Finance Manager

  • Mimo really tries to tackle one of the most crucial B2B challenges of our time — the good, the bad and the ugly of cashflow management. With my customers & suppliers using it, we can trade more flexibly and easily.

    Newcomer Wines

    Peter Honegger, Co-founder

  • Paying supplier invoices is time consuming! With Mimo, we’re looking at significant time savings, while controlling our cashflow with the built-in credit line. We’re excited to work with Mimo!

    Days Brewing

    Rob Johns, Finance Director

  • Surreal is growing fast and Mimo has been crucial to save time on financial admin and improve working capital. With this, we have accelerated our partnerships with some of the UKs largest retailers.

    Surreal

    Ruth Ball, Financial Controller

  • With Mimo, we have been able to save time, move fast and reduce cashflow drag when scaling. This has been particularly valuable when launching our new partnership with Tesco!

    Better Nature

    Chris Kong, Co-founder

  • My business naturally sees some seasonality, and Mimo gives me the tools to stay in control over time. It also saves me time, so I can focus on running my business rather than financial admin and fundraising. 

    Provisions

    Hugo Meyer Esquerré, Founder

  • Mimo allows for simple and effective approval flows to collaborate within the finance team. We process supplier invoices and payroll payouts easily, which allows optimisation of payment runs and our cash flow. We love Mimo!

    Misfits Health

    James Cooper, Senior Finance Manager

  • By pioneering new technologies and maintaining a market-leading position, Mimo consistently pushes the boundaries of what accounting software can achieve.

    IT & Accounting Solutions

    Marcel Jung, Owner

  • Mimo allows for simple and effective approval flows to collaborate within the finance team. We process supplier invoices and payroll payouts easily, which allows optimisation of payment runs and our cash flow. We love Mimo!

    Misfits Health

    James Cooper, Senior Finance Manager

  • Mimo really tries to tackle one of the most crucial B2B challenges of our time — the good, the bad and the ugly of cashflow management. With my customers & suppliers using it, we can trade more flexibly and easily.

    Newcomer Wines

    Peter Honegger, Co-founder

  • Paying supplier invoices is time consuming! With Mimo, we’re looking at significant time savings, while controlling our cashflow with the built-in credit line. We’re excited to work with Mimo!

    Days Brewing

    Rob Johns, Finance Director

  • Surreal is growing fast and Mimo has been crucial to save time on financial admin and improve working capital. With this, we have accelerated our partnerships with some of the UKs largest retailers.

    Surreal

    Ruth Ball, Financial Controller

  • With Mimo, we have been able to save time, move fast and reduce cashflow drag when scaling. This has been particularly valuable when launching our new partnership with Tesco!

    Better Nature

    Chris Kong, Co-founder

  • My business naturally sees some seasonality, and Mimo gives me the tools to stay in control over time. It also saves me time, so I can focus on running my business rather than financial admin and fundraising. 

    Provisions

    Hugo Meyer Esquerré, Founder

  • Mimo allows for simple and effective approval flows to collaborate within the finance team. We process supplier invoices and payroll payouts easily, which allows optimisation of payment runs and our cash flow. We love Mimo!

    Misfits Health

    James Cooper, Senior Finance Manager

  • By pioneering new technologies and maintaining a market-leading position, Mimo consistently pushes the boundaries of what accounting software can achieve.

    IT & Accounting Solutions

    Marcel Jung, Owner

  • Mimo allows for simple and effective approval flows to collaborate within the finance team. We process supplier invoices and payroll payouts easily, which allows optimisation of payment runs and our cash flow. We love Mimo!

    Misfits Health

    James Cooper, Senior Finance Manager

Xero app store

5.0 of 5

5.0 of 5

5.0 of 5

Rating based on verified user reviews
from the Xero app store.

Questions & answers

Questions & answers

Questions & answers

Who is eligible for Flex?

Flex is designed for businesses with cash flow gaps (for example, those that pay for products or services before getting paid) and have £120k–£25m+ in annual turnover, with at least £10k in monthly revenue, and 1+ year of trading history may be eligible. Apply to see your credit offer and pricing.

Who is eligible for Flex?

Flex is designed for businesses with cash flow gaps (for example, those that pay for products or services before getting paid) and have £120k–£25m+ in annual turnover, with at least £10k in monthly revenue, and 1+ year of trading history may be eligible. Apply to see your credit offer and pricing.

Who is eligible for Flex?

Flex is designed for businesses with cash flow gaps (for example, those that pay for products or services before getting paid) and have £120k–£25m+ in annual turnover, with at least £10k in monthly revenue, and 1+ year of trading history may be eligible. Apply to see your credit offer and pricing.

Who is eligible for Flex?

Flex is designed for businesses with cash flow gaps (for example, those that pay for products or services before getting paid) and have £120k–£25m+ in annual turnover, with at least £10k in monthly revenue, and 1+ year of trading history may be eligible. Apply to see your credit offer and pricing.

Who is eligible for Flex?

Flex is designed for businesses with cash flow gaps (for example, those that pay for products or services before getting paid) and have £120k–£25m+ in annual turnover, with at least £10k in monthly revenue, and 1+ year of trading history may be eligible. Apply to see your credit offer and pricing.

What does Flex cost?
What does Flex cost?
What does Flex cost?
What does Flex cost?
What does Flex cost?
What is Mimo?
What is Mimo?
What is Mimo?
What is Mimo?
What is Mimo?
Grow now.
Pay suppliers later.
Grow now.
Pay suppliers later.

Apply now

Request a call