We are driven by our purpose to help SMEs win, because we believe they make a big difference to people, communities and the economy. Yet when it comes to accessing finance, a key growth enabler, they are underserved. 

Our strategic pillars

Since we launched in 2010, we have revolutionised SME lending. But we’re still just getting started. We know that so far we’ve just been scratching the surface, and we have attractive medium-term growth opportunities. Our medium-term plan is focused on delivering on these through a defined set of three strategic pillars and three core foundations.

Our business model

Attract more businesses

We are attracting more businesses through an expanded product set, focused brand investment and continued strengthening of existing channels.

Say yes to more businesses

We want to say yes to as many businesses as possible by expanding our end to end conversion.

#1 in new products

We want to use our capabilities to create new market-leading products.

Grace & Thorn

Grace & Thorn opened its flagship Hackney store in 2011. Today a third Funding Circle loan, and a FlexiPay line of credit, is helping them flourish.

Business owner Nik’s love for flowers began with a fiddle-leaf fig tree in the front room of her grandparents’ home. Tired of seeing uninspiring rows of houseplants in plastic brown pots, Nik wanted to bring out the best in plants. In 2011, Grace & Thorn was born.

Today, Nik manages the main Hackney store and a London Fields studio, offering unusual, wild and abundant floral arrangements; fresh and dried flowers; houseplants; pots and lifestyle products for all occasions.

In 2017, Nik secured a Funding Circle term loan to launch a range of workshops at Grace & Thorn’s studio. She also branched out into offering ready-to-wear wedding flowers alongside small and large-scale event services. She was also one of the first customers to use a FlexiPay line of credit to support the business’ cash flow, and plan for events and workshops in advance.