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.
52.7
£2,453m
£204.3m
£20.3m
£3bn
£2.2bn
Built on 15 years of proprietary data
Our advantage is our AI-powered platform, built on 15 years of proprietary technology and data. This fuels our Gen 9 credit models and delivers 3x greater predictive power compared to traditional credit bureau benchmarks.
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: 73% 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
£80bn
£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 ensure businesses find the ‘Yes’ to providing the finance they need through our products and Marketplace partnerships. We leverage credit and product innovation to serve a broader customer base and reach more customers.
We will reach and serve more SMEs with our newer products, addressing new customer needs and expanding our distribution and marketing channels.
While our product suite is broad, some products remain nascent. Over the coming years, we will scale these products, unlocking new features to drive innovation and profitable growth.
As a trusted financial partner, we provide a superior experience. This allows us to solve more problems, save our customers time and meet more of their needs.
