A great customer experience is built on exceptional fundamentals and seamless technology.

Over the past ten years, we have built a technology platform that is revolutionising SME lending. Small businesses can complete a loan application and receive a decision in a matter of minutes, enabling them to access funding quickly and at an affordable rate. Today, as a leading global platform for small business loans we have helped over 120,000 small businesses to access more than £13 billion. Our investment in technology has resulted in strong customer satisfaction scores and high repeat rates, helping us to grow alongside our small businesses. 

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.

>120,000

borrowers globally


Borrowers

Our borrower base is highly diversified across geographies and industries, which helps ensure stable returns and mitigates the effects of adverse economic conditions.

Typical businesses that borrow through the platform have:

  • 12 years trading history
  • 8 employees
  • £1m revenue
  • £80k loan size
  • 50 months average term

Investors

Our original innovation ten years ago opened up the SME asset class to investors. The platform model enables investors to make incremental investments, and our investor base is deep, diverse and stable, including a wide range of institutions and public bodies:

  • 46% asset managers
  • 32% banks
  • 6% bond programmes
  • 7% retail funds
  • 7% national entities
  • 2% funds

How we make money

As a company, Funding Circle makes money in two principal ways:

Operating income

  • Transaction fee income from the fees we charge borrowers
  • Servicing fee income from the fees we charge investors

Investment income

The interest income on loans invested within Funding Circle’s investment vehicles.

Value created


For borrowers

We provide SMEs with fast, flexible, affordable finance, delivering an amazing customer experience using machine learning and technology. This means they are free to get on with what they do best, growing their business while contributing to the local community and economy.

£13bn

lent to businesses


For investors

Access to an attractive asset class, previously mostly held on bank balance sheets, that is of strategic importance to economies.

4.5–5.5%

expected investor returns for loans originated in 2020 in the UK


For employees

The opportunity to build the incredible, to make a positive lasting impact on a huge societal issue, fast-tracking career experience in an accelerator environment and working in a way unlike any other public company. Our new HMRC-approved share incentive plan, Equity for All, means Circlers will be granted free shares each year. We have always believed in the value of employee share ownership, and this new scheme will help more Circlers benefit.

83%

would recommend Funding Circle as a place to work

At Funding Circle we deliver an amazing customer experience for small businesses using machine learning and technology.

A great customer experience is built on exceptional fundamentals and seamless technology.

Since 2010 we have built a decision oriented platform that enables us to customise every element of the borrower experience, revolutionising SME lending. Small businesses can complete a loan application and receive a decision in a matter of minutes, enabling them to access funding quickly and at an affordable rate.

Our strategy

Technology, data and advanced analytics are at the heart of our business proposition. Through the development of customer-centric technology, we’ve created an agile, responsive and unified money and loan management platform. Having built our technology from scratch, unlike many traditional banks we’re not burdened by the challenges and costs associated with legacy systems. We can therefore devote our resources to developing, innovating and further enhancing our bespoke technology.

Explore our technology