We believe that as we get bigger and help more small businesses access the finance they need to grow, we create a stronger platform that drives significant competitive advantage.

Ground breaking technology

Instant Decision Lending is reinventing SME lending using machine learning and technology.

8th generation machine learning models are 3x better at predicting risk than bureau scores

Our technology

Proven #1 UK platform

Leading SME loans platform with ten years’ experience



Largest UK lending platform

Significant addressable market

SMEs are underserved by traditional lenders and represent a significant addressable market


total addressable market in the UK and US


Attractive financial profile

Profitable in H1 2021 and expect to be AEBITDA profitable going forward


operating profit in H1 2021

£53 AEBITDA in H1 2021

Results, reports and presentations

Strong future growth opportunities

Launch new funding products to solve more small business problems


The US is 5x the size of the UK market, but at an earlier stage of development. We will continue to invest to grow market share, but carefully manage the level of investment.

New products

Over the next 12 months we are leveraging our technology to beta launch new funding solutions to help small business owners solve more problems:

  • A new application programming Interface (“API”) embedding Funding Circle natively into partners’ websites and platforms to extend distribution.
  • FlexiPay: a new payment finance product enabling small business owners to pay invoices and spread the costs over three months.
  • A new card for Funding Circle borrowers to enable them to better manage their business spending habits.