Delivering an amazing customer experience for small businesses using machine learning and technology.

Creating a streamlined borrower experience

For over ten years, we have strived to provide an amazing borrower experience by combining cutting-edge technology and machine learning risk models. In 2020, we wanted to go further, delivering Instant Decision Lending, market-leading functionality that is transforming the entire customer experience by reducing the average application time to six minutes, with decisions being made in an average of nine seconds. It has never been simpler or faster for small businesses to secure the funding they need to win.

The customer experience in numbers


of all loan applications automated

9 seconds

average wait for a decision

6 minutes

average application time


long-term target of automated loan applications

A virtuous cycle

We believe that as we get bigger and help more small businesses access the finance they need to grow, we create a stronger platform that drives significant competitive advantage.

This creates a virtuous circle that will enable us to continue to help thousands of small businesses around the world and drive market share.

Our business model

Ensuring positive returns for investors

We combine cutting-edge technology with the use of proprietary scoring models to boost the precision and efficiency of our credit risk and performance predictions.

Enhancing our risk monitoring using more frequent and detailed data analysis helped us to spot potential signs of borrower stress much faster, and our increased customer support capacity allowed us to act on potential risks as soon as they emerged.

Our value proposition

We are just getting started

There are significant opportunities to support more customers by leveraging our technology platform.

Our market

This includes an API embedding Funding Circle natively into partners’ websites and platforms. A new payment finance product will enable small business owners to pay invoices and spread costs over three months, and a new card for Funding Circle borrowers will enable them to better manage their business spending habits.


of UK businesses return to Funding Circle first before exploring other options