Small businesses are underserved by traditional lenders. Our technology platform can revolutionise the SME borrowing experience.

SMEs are a fundamental part of the global economy, driving growth, employment, and innovation.

They employ almost a third of people across the OECD region and account for 50–60% of the economic value created. But they are underserved by traditional lenders and typically represent less than 5% of banks’ balance sheets

Small businesses are underserved by traditional lenders

There is a very large addressable market and opportunity across our two geographies – the UK and the US.


total addressable market2


Debbie Leon set up Fashionizer in 1993 when she noticed a gap in the market for luxury and bespoke uniform design.

The pandemic had a major impact on the business, after many clients in the hospitality and spa industries closed during the first lockdown.

Debbie needed a cash injection to keep her business going at a time when production had slowed. She initially applied for a CBILS loan through her bank, almost a full two months later she’d had no response. By the time she did, Debbie had already received a Funding Circle CBILS loan.

The business adapted quickly, and switched to making fabric face masks. They spent the first three weeks researching best practice, sourcing the correct filters and making the patterns and samples. They successfully set up a manufacturing supply chain in London that operated throughout lockdown.

Large scale, brand awareness and customer satisfaction

Largest UK lending platform

High customer satisfaction rates4

High customer satisfaction rates diagram

1 OC&C analysis: Target addressable market excludes commercial mortgages, loans/debt products <5k and >500k in local currency and loans with APR >25%. In the US, higher minimum threshold of $25k. 
2 Data from the Federation for Small Businesses and Small Business Administration.
3 Hall & Partners brand awareness research for Funding Circle – October 2020
4 Net Promoter Score (“NPS”) scores from Funding Circle NPS survey 2021. and average NPS of UK main banks via Customer Guru: