Our mission is to build the place where small businesses get the funding they need to win.

A fundamentally better way of borrowing

Funding Circle is a leading global SME loans platform. By combining cutting-edge technology, sophisticated data analytics and dedicated customer service, we help SMEs access finance that allows them to grow and expand. We’re also opening up a whole new asset class to investors, to whom we provide stable returns and a range of investment options.

Our values

Our shared values, passion and purpose underpin everything we do at Funding Circle. Together we are providing small businesses with the funding they need to win.

Obsess over the customer
Think smart
Make it happen
Stand together
Be open
Live the adventure

Our people

What makes Funding Circle unique

Ground breaking technology

Instant Decision Lending is reinventing SME lending using machine learning and technology

Proven #1 UK platform

Leading SME loans platform with more than 10 years’ experience

Significant addressable market

SMEs are significantly underserved by traditional lenders and represent a significant addressable market

Attractive financial profile

Profitable and expect to be AEBITDA profitable going forward

Strong future growth opportunities

Launching new funding products to solve more small business problems

Investment case

Key stats


jobs supported by UK SME borrowers


UK GDP contribution


SME lending as a share of bank balance sheets


total addressable market

Technology and data

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

Discover our technology


What we offer

An industry-leading experience for borrowers

Speed and simplicity
Our simple online application is faster and easier than traditional lending channels. Thanks to our Instant Decision Lending technology, it takes on average just six minutes to complete an application and businesses receive a decision in just nine seconds.

Competitive market-driven pricing
Our online platform lending model provides competitive and transparent pricing for borrowers.

Outstanding customer experience and ease of use
We’re continually focused on delivering excellent customer service. Our aim is to enhance the user experience and make the application process as efficient as possible.



Plankbridge manufactures bespoke shepherd’s huts. The business was founded by Richard Lee and his partner Jane Dennison in 2020.

The shepherd’s hut manufacturer borrowed from Funding Circle in order to expand their product offering and their overseas market.

Over the past 12 months, as people have been forced to work from home, there has been a surge in interest from customers looking to create an office in their garden.

They now employ 24 staff who typically work on around ten hand-made huts at a time – with each hut taking at least six weeks to complete.

The company remains loyal to local suppliers within a ten-mile radius for timber and fixings, keeping the value within the local economy.