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Our Platform

At Funding Circle, our aim is to help SMEs grow by providing them with streamlined access to capital. To support this, we’ve developed a highly efficient and effective platform that enables SMEs to borrow money directly from investors.

The platform uses cutting-edge technology, proprietary credit models and sophisticated data analytics, creating a uniquely attractive and convenient proposition for borrowers and investors alike. It also provides high repeat rates, helping us to grow alongside our customers.

Through our platform, we’re able to serve and build long-term relationships with borrowers, providing them with the fast and flexible financing they need. For investors, the platform opens up an alternative asset class with attractive risk-adjusted returns.

Technology and data

Technology, data and advanced analytics are at the heart of our business proposition. Through the development of customer-centric technology, we’ve created an agile, responsive and unified money and loan management platform. Having built our technology from scratch, unlike many traditional banks we’re not burdened by the challenges and costs associated with legacy systems. We can therefore devote our resources to developing, innovating and further enhancing our bespoke technology.


A virtuous circle that drives continuous improvement and competitive advantage

Proprietary data

Over the past ten years, we’ve accumulated proprietary data sets across our various geographies, which we’ve continuously used to enhance our credit scoring models and improve the borrower experience.

Increased speed of funding

Our Instant Decision lending technology is increasing the speed with which we provide funding to SMEs, which is a core value driver for borrowers.

Improving risk model

As we accumulate more data through applications and loan performance, we’re able to improve the precision of our risk models, which leads to higher acceptance rates and lower pricing for borrowers.

Higher loan conversion rate

This, in turn, results in higher conversion rates of borrower applications to loans, enabling us to serve a broader population of SMEs and reduce marketing and processing costs per loan. We’re also able to further reduce costs to borrowers and therefore attract more SMEs to the platform, reinforcing the positive data accumulation cycle.

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