Our strategy is focused on growing the UK and US businesses and introducing new solutions that will help even more small businesses with their financing needs.


Our strategic pillars

Our strategy is based on two key pillars and will ensure we are well positioned to respond to the needs of small businesses as they begin to drive the economic recovery:

Grow the UK and US businesses

Our market

In the UK we operate our core loan product for borrowers that do not require a guarantee. For all other borrowers we operate the Recovery Loan Scheme.

In the US we operate our core loan product for borrowers that do not require a guarantee. For all other borrowers we originate permanent government guarantee loans on behalf of banks. We will also continue to operate our referral model for other borrower needs.

Launch new products

Our technology

In 2021 we have begun to leverage our technology to launch new funding solutions to help small business owners solve more problems. 

  1. FlexiPay: payment finance product for SMEs. FlexiPay helps businesses spread the cost of paying invoices, offering borrowers the ability to settle invoices for a one-off 3% fee and then spread the repayment over 3 months, interest free. Beta launched in Q3 2021 for existing borrowers.
  2. API: a new Application Programming Interface (API), to help embed Funding Circle into partners’ websites and platforms.
  3. SME card: 1% cashback card for SMEs with nothing to pay for one month. Opportunity to settle the balance in full at the end of the month or spread the repayment with FlexiPay.Wait list now open.
Wild Card Brewery

Andrew Birkby and William Harris launched Wild Card Brewery after making their own beer from a home brew kit.

They took a shot in the notoriously difficult industry, renting equipment at an Essex brewery in 2012. 

Eight years on, and with the help of one of the UK’s few female master brewers, Jaega Wise, Wildcard is now an award-winning business turning over more than £1.2 million per year.

To help with working capital, the brewers used Funding Circle on three occasions, including through the Coronavirus Business Interruption Loan scheme.

On the day of the first UK lockdown started they opened an e-commerce store and started delivering to doorsteps straight away. Their online shop has continued to grow ever since and in 2020, the business t grew by 12% despite the challenges of lockdown.