We are shaping the future of funding.

Statistics for borrowers

6 min

average application time

9 sec

average wait for a decision


customer net promoter score in the UK and US in 2020


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

We help SMEs when they need it most

For the last ten years, we have strived to provide an amazing borrower experience by combining cutting-edge technology with a human touch, even during the toughest economic times. Our focus is always to make it simpler and faster for borrowers to get the finance they need so they can adapt their business and prepare to drive economic growth.

Our focus is to always support small businesses. During the Covid-19 pandemic, we became one of the first FinTech platforms to gain accreditation to government SME programmes in both the UK and the US and we continue to help small businesses navigate through these uncertain times.


We plan for the future

We are always looking a new ways to help small businesses with their funding needs and in we have begun to launch new solutions using our ground breaking Instant Decision Lending technology.

In 2021 we have begun to leverage our technology to launch new funding solutions to help small business owners solve more problems. 

  1. FlexiPay: payment finance product for SMEs. FlexiPay helps businesses spread the cost of paying invoices, offering borrowers the ability to settle invoices for a one-off 3% fee and then spread the repayment over 3 months, interest free. Beta launched in Q3 2021 for existing borrowers.
  2. API: a new Application Programming Interface (API), to help embed Funding Circle into partners’ websites and platforms.
  3. SME card: 1% cashback card for SMEs with nothing to pay for one month. Opportunity to settle the balance in full at the end of the month or spread the repayment with FlexiPay.Wait list now open.
Technology and data

Technology, data and advanced analytics are at the heart of our business proposition.

Discover our technology

For investors

We continue to deepen and diversify our funding sources as an accredited lender of government SME guarantee programmes.

By taking quick and prudent steps, investor returns remain resilient, further demonstrating the strength and viability of our model.

Diverse mix of investor types on the platform


asset managers




bond programmes


retail funds


national entities



We are unlocking new investment opportunities