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 experience
Our highly flexible interface provides an intuitive experience across desktop and mobile. As we have expanded our multi-product offering, we have seen a 7x 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 SMEs to apply in as little as six minutes, with 73% of customers receiving an instant decision, delivering certainty when it matters most.
Flexible modular architecture
Our flexible modular architecture enables the rapid launch of new products. This modular design was key to the successful rollout and iteration of our FlexiPay and Cashback card products.
Gen AI-powered service
We use Gen AI to work more efficiently, drive operational leverage through automation, and deepen our SME relationships by analysing customer sentiment. Our cloud-native infrastructure also supports product growth and innovation simultaneously, allowing us to create a more tailored customer experience.
Multi-layered defence
We secure data at every level. From secure device protection to comprehensive cloud security controls, we create multiple robust barriers that protect our infrastructure from outside threats.
World-class partnerships
We don’t work in isolation. We partner with top global security companies to deploy leading tools for identity management and cloud security. This ensures our technology is always protected by industry experts.
Intelligent monitoring
Our automated systems scan the threat landscape 24/7. Using advanced threat intelligence, we identify and neutralise potential vulnerabilities in real time before they can impact our platform.
Rigorous stress testing
We don’t wait for attacks, we simulate them. Through regular penetration testing and simulation, we constantly stress test our defences to ensure they are battle-hardened against real-world scenarios.
24-hour security operations centre (“SOC”)
Technology is backed by human expertise. Our dedicated SOC provides round-the-clock surveillance and rapid incident response, ensuring the integrity of our financial ecosystem is always maintained.
Unlocking value through data, AI, and credit risk expertise
The data advantage: 3x better risk descrimination
Our credit risk expertise remains our defining competitive edge. Our proprietary models deliver 3x greater predictive power in distinguishing between high and low risk borrowers compared to traditional credit bureau benchmarks. This superior risk discrimination allows us to price risk more accurately and serve customers that traditional banks often overlook.
Our ninth-generation models (“Gen 9”) represent a significant leap forward, delivering a 10% relative uplift in predictive power compared to the previous generations. Crucially, the effectiveness of our approach has been tested; our models have been validated by performance data throughout the economic stresses of the Covid-19 period, proving their resilience in volatile environments.
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 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.
AI as a multiplier: 2026 and beyond
In 2025, we established the technical and governance frameworks for the use of Gen AI. Now, we are expanding its application to transform the business. We are building an AI-native culture where Gen AI supports our engineering, commercial and operational teams. By using third party software, we are ensuring our teams have the right technology for every task. From generating code to summarising complex data for underwriters, these tools are increasing our velocity and freeing our people to focus on high value innovation.
As we move into 2026, we will continue to explore further opportunities to streamline the customer experience, from credit origination to servicing, ensuring Funding Circle remains at the cutting edge of SME finance.
