We are shaping the future of funding 

For borrowers


of all UK loans automated

6 min

average application time

9 sec

average wait for a decision


Customer net promoter score in UK and US in 2020


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

We offer fast and affordable finance

For the last ten years, we have strived to provide an amazing borrower experience by combining cutting-edge technology with a human touch. In 2020, we wanted to go further, and the launch of Instant Decision Lending was the next step. This market-leading functionality has transformed the entire customer experience, reducing the average application time to six minutes, with decisions being made in average of nine seconds. It has never been simpler or faster for small businesses to secure the funding they need to win.

We help SMEs when they need it most

To help as many small businesses as possible through the pandemic, we became one of the first FinTech platforms to gain accreditation to government SME programmes in both the UK and the US.
We developed and introduced new payment plans within two weeks of the first lockdown being announced, allowing businesses to reduce or stop monthly repayments, giving them time to get back on their feet.

We also expanded our customer-facing teams to deal with the large rise in contacts, by assigning and retraining Circlers. By investing in new technology, we were able to streamline our processes and make them more efficient.

We plan for the future

In 2021 we are excited to launch new products using Instant Decision Lending technology. Our focus will be on launching an API to help embed Funding Circle into more SMEs ecosystems and launching payment finance to help them manage their cash flow challenges.

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

Enhanced risk monitoring tools

We combine cutting-edge technology with the use of proprietary scoring models and data analytics techniques to boost the precision and efficiency of our credit risk and performance predictions. Enhancing our risk monitoring using more frequent and detailed data analysis help us to spot potential signs of borrower stress much faster, and our increased customer support capacity allow us to act on potential risks as soon as they emerge.

We are unlocking new investment opportunities

There has been strong investor demand for SME loans, and we have made significant progress in our goal of diversifying our investor base. More than half of funding agreements have been signed by new institutional investors, including banks and asset managers. Since the beginning of Covid-19, more than £2.5 billion of investor capital has been raised to lend to UK and US SMEs on the Funding Circle platform.