Mimo Flex
Grow now. Pay suppliers later.
Access flexible financing to fund your business growth. No monthly interest, no fees on unused funds, no personal guarantees.
Affordable financing
£1m
Access £5k - £1m in flexible credit, directly from your Mimo dashboard.
Flexible terms
90d
Flexible repayment terms from 30 to 90 days. You choose what works best.
Fast turnaround
24h
Apply in minutes, get a response within 24–48 hours. No commitment, no fees.
Trusted by UK based businesses, Accountants & Bookkeepers
How it works
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.
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.
Fast & flexible funding
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.
* Example rates, real rates vary
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
Rating based on verified user reviews from the Xero app store.
Frequently asked questions
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 is Mimo?