A fundamentally better way of borrowing

Funding Circle is a leading global SME loan 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.

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 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

Launch new funding products to solve more small business problems

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 borrower service

Speed and simplicity:

Our simple online application is faster and easier than traditional lending channels, meaning SMEs can access the capital they need in days rather than months. Thanks to our Instant Decision lending technology on it takes one average just 6 minutes to compete an application and businesses receive decision in just 9 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.

Getting the loan was not at all complicated and much faster than I had expected. Our Account Manager was very polite and competent at any given time.

With a loan from Funding Circle, Ruth Gebel expanded the retail space of the flagship store, opening a little café inside the bakery and almost immediately saw her revenue increase by 25%.