The engine of SME growth
Our proprietary technology and data platform is the engine of Funding Circle’s competitive advantage.
Built on 15 years of lending data and a modern, cloud-native architecture, it transforms customer experience by granting us speed, precision, and agility that traditional lenders cannot match.
3x
73%
6 min
24 hrs
79
Delivering a superior customer experience
Frictionless digital front-end
Our highly flexible interface provides an intuitive experience across desktop and mobile. As we have expanded our multi-product offering, we have seen a 4x increase in mobile usage, allowing SMEs to manage their finances effortlessly on the go.
Automated decision engine
At the heart of our platform, machine learning models automate complex underwriting tasks. This enables an application time of just [6 minutes], with 73% of customers receiving an instant decision - delivering certainty when it matters most.
Agile modular architecture
Our cloud-native design allows us to ‘plug in’ new products rapidly. This modularity was the key to successfully launching and iterating our FlexiPay product and Cashback card.
GenAI-powered service
We are deploying Generative AI to deepen customer relationships. By analysing sentiment and automating support, we are creating a more responsive, tailored experience that anticipates borrower needs rather than just reacting to them.
Becoming an AI-native team
We are building an "AI-native" culture where proprietary tools assist our engineering, commercial, and operational teams.
Engineering productivity: We have transformed the software development life cycle, leading to an increase in engineering deployments YoY and faster product iterations.
Operating leverage: Through high-scale automation, we have achieved a YoY improvement in revenue per person, allowing us to scale without proportional cost increases.
Team fluency: Over 60% of Circlers use Gen AI tools daily, supported by internal L&D programs to upskill teams for the future.
Elevating customer experience with AI
Our AI initiatives provide tangible benefits to our borrowers every day.
Instant decisions: By leveraging machine learning models that are 3x more powerful than traditional bureau scores, we provide instant credit decisions for 73% of our customers.
"Call Coach": We developed an AI-driven solution that analyses 100% of customer interactions in Collections and Recoveries. This provides instant agent coaching, leading to improvement in call quality and better compliance outcomes.
Predictive support: We use Gen AI to analyse sentiment and automate support, allowing us to anticipate borrower needs.
