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 SMEs to access more than £14 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.

C.120,000

borrowers globally since 2010


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:

  • 11 years trading history
  • Eight 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:

  • 48% asset managers
  • 35% banks
  • 8% bond programmes
  • 5% retail funds
  • 3% national entities
  • 1% 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.

£14BN

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.

5.0–6.0%

expected investor returns for loans originated in the UK in 2021


For employees

Our employees have the opportunity to
“Build the Incredible”, to make a positive lasting
impact on a huge societal issue. To help them
achieve this, we’ve created a culture dedicated
to learning and the personal growth of everyone
who works here.

86%

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

Just Strong

Women’s “athleisure” brand Just Strong was launched by personal trainer Mark Robinson from his garage in 2017. A government-backed Funding Circle loan helped Mark take his business to the next level. 

Back in 2017, Mark Robinson noticed how gym-goers were particularly loyal to small American brands. And inspired by UK phenomenon Gymshark, he decided to enter the fashion industry, printing and packing “athleisure” clothes from his home in Yorkshire.

In 2021, as more women began wearing “gym gear” while working from home, orders began to accelerate. But to meet increased demand, Just Strong required additional funding. Mark turned to  Funding Circle, and Just Strong became the first small business to benefit from a Funding Circle loan through the Recovery Loan Scheme (“RLS”).

Supporting the business’ expansion plans, the loan helped Just  Strong increase capacity and drive up sales. The company now operates out of a 10,000 square foot warehouse, employs 23 people and ships to over 110 countries around the world. During 2021, Just  Strong’s turnover doubled, with the company reaching a landmark 200,000th order in just four years. The label also benefited from invaluable support on social media, including more than 350,000 Instagram followers. Just Strong keeps getting stronger.