A platform for growth
We're the UK's leading SME finance platform, backing small businesses with the funding they need to win.
Highlights
£204.3m
Revenue
£815m
FlexiPay transactions
125,000
SMEs supported since 2010
£7.9bn
Contribution to GDP
Leadership quotes
Delivering our ambitious strategy
Our strategic objectives
Our evolution into a multi-product platform has fundamentally redefined our customer relationships; where we once interacted with a business every half hour, we now engage every 38 seconds. Through our integrated ‘borrow, pay later, and spend’ ecosystem, we are capturing a greater share of wallet and becoming an essential partner in our customers’ daily lives.
As we scale, our strategy remains rooted in customer centricity, relentless innovation and profitable growth.
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.
125,000
SMEs supported since 2010
We will reach and serve more SMEs with our newer products, addressing new customer needs and expanding our distribution and marketing channels. By appearing where our customers live and work, we are successfully attracting a wider, more diverse base of entrepreneurs to the platform.
36m
rugby fans attracted
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.
>£1.6bn
FlexiPay and Cashback card transactions to date
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.
38 customers transact with us every 38 seconds | 79 our industry-leading Net Promoter Score |
Funding growth: customer case studies
Environmental, social and governance
At Funding Circle we are committed to contributing positively to our communities; we do this through the business finance we provide to our SME customers who are often underserved by mainstream finance, and through sound and responsible ESG practices that support broader societal and environmental efforts.
Our ESG Framework sets out our goals and roadmap for each strategic pillar
Our ambition and commitment
To be best in class and live by our DEI Statement, building an inclusive and diverse culture.
Achievements in 2025
80% positive sentiment score in the Inclusion and Belonging category of our engagement survey (+3% year on year).
Achievement of our HM Treasury’s Women in Finance Charter pledge for women in senior leadership.
Third year of the Female Empowerment Programme, focused on accelerating career growth, and 14 Circlers trained as Mental Health First Aiders, providing additional mental health support alongside our Employee Assistance Programme.
Goals and roadmap for 2026
Maintain our Belonging score by scaling our Circler-led impact, through efforts including mentorship, advocacy and visibility.
Continue to make progress against key DEI metrics and targets, including women in leadership and the gender pay gap.
Our ambition and commitment
To back a diverse and thriving SME customer base – creating jobs, fostering financial inclusion and having a positive impact on UK SMEs, entrepreneurs and their wider communities.
Achievements in 2025
117,000 jobs, £7.9 billion in GDP, and businesses in all 650 constituencies supported through our lending.
Silver Fair Payment Code accreditation, highlighting our commitment to ethical SME payment practices.
Free or discounted access to Thrive Mental Wellbeing’s NHS-trusted mental health app to all UK SMEs.
Fourth year backing underserved entrepreneurs through Hatch Enterprise partnership, with 19 founders supported.
99 “Impact Days” contributed by Circlers volunteering with charities including NishkamSWAT and Earthwatch Europe.
Goals and roadmap for 2026
Engagement with internal and external stakeholders to identify opportunities for social and sustainability benefits for our customers.
Continued focus on our multi-year partnerships to support UK SMEs and their local communities.
Our ambition and commitment
To support initiatives that help drive progress towards net zero, and contribute meaningfully to climate, nature and biodiversity outcomes for healthier communities.
Achievements in 2025
Development and approval of internal climate Transition Principles.
Achievement of our interim operational climate target.
Exploration of financed emissions data improvements.
£100k investment commitment in Greenlee Peatland Restoration Northumberland National Park project, over 2026–2027.
Goals and roadmap for 2026
Development of internal flood risk and scenario analysis capabilities.
Continued focus on financed emissions data improvements.
Engagement with materially emitting suppliers without net zero targets.
Engagement with new office building manager on sustainability and heating decarbonisation plans.
Our ambition and commitment
To meet shareholder and investor expectations, and be viewed positively in the market.
Achievements in 2025
Board and Executive engagement in climate issues and trends.
Initial gap analysis against draft UK Sustainability Reporting Standards.
Continued upholding of highest standards of risk management and corporate governance more broadly.
Goals and roadmap for 2026
Further integration of climate risk management processes.
Monitoring and preparation for UK Sustainability Reporting Standards.