Backing businesses to win. Building value for investors.
We’re the UK’s leading SME finance platform, backing small businesses with the funding they need to win. SMEs are the engine of the economy, but traditional finance fails them. They need fast, simple funding to manage cashflow and seize growth opportunities. Funding Circle was built to solve this, and our platform delivers just that: business finance that backs them.
£92.3m
£2.8bn
£1.8bn
£6.0m
Built on 15 years of proprietary data
Our advantage is our AI-powered platform, built on 15 years of proprietary data. This fuels our Gen 9 credit models, which achieve 36x risk differentiation between the best and worst borrowers. This makes our platform proving 3x more powerful than traditional bureau scores.
A superior dual-sided ecosystem
For SME borrowers
We assess credit instantly, price risk accurately, and deliver fast decisions.
Speed: Fast and easy application (6mins).
Efficiency: 75% of applicants receive an instant decision.
Value: Competitive and affordable rates coupled with a superior customer experience.
For Institutional Investors
Institutional investors fund 96% of our Term Loans. We offer robust, resilient and attractive returns.
Access: Access to a hard-to-reach asset class with the ability to deploy funds at scale.
Returns: Earning attractive returns averaging ~5% above the cost of capital.
Resilience: Resilient returns through the cycle.
Big opportunity in a large, addressable market
The market opportunity is vast; we are in a strong position to capitalise on this.
£1.3trn
£84bn
£80bn
Focused on profitable, customer-led growth
Our financial foundation is strong. We have a mature, cash-generative Term Loans business and high-growth products like FlexiPay.
To unlock this, our strategic priorities are:
We will leverage our credit and product innovation capabilities to enhance our products and open new segments to serve a broad customer base.
Enhanced product offerings to new customer segments through new marketing channels will expand our audience, attracting more businesses to Funding Circle.
Over the coming years, we will scale our newer products, innovating and unlocking new product features to drive profitable growth.
Through our broader product set we will deliver a great lifetime customer experience serving them with our renowned superior customer experience and the right product at the right time.
