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 three 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:

Our business model

Attract more businesses

Our market

Strengthen direct and indirect channels, and embed natively in more partner environments to attract businesses at the right time.

We’re working on a number of areas, including growing and improving our existing distribution channels, and leveraging our market-leading technology. We’re particularly excited about embedding our services into partners’ environments in both the UK and the US.In the UK, we’ve created a new capability to enable partners to seamlessly offer Funding Circle loans to SMEs within their own website.

And in the US, we’re developing our Lending as a Service (“LaaS”) proposition. Through these developments, we’re deepening key relationships and increasing our distribution potential. It’s a unique proposition that will help us extend our reach and attract more businesses in the UK and the US. 

Say yes to more businesses

Business model

Develop a broader set of solutions, personalised to customers’ needs, so we can support more businesses

We aim to enable deeper and broader market integrations to deliver the right product to each applicant. We’re creating an expanded set of Funding Circle term loans, supported by a diversified funding base including banks and asset managers. We’re also expanding our marketplace offering, connecting borrowers with other lenders in the market, offering further products beyond our current range, such as larger loans, asset finance and invoice finance.

#1 in new products

Our technology

Empower small businesses to not only borrow, but to pay and spend as well.

In 2022, we will continue the roll-out of FlexiPay, which enables businesses to spread any UK invoice or supplier payment over three months. It will be made available to all existing customers and new business prospects in the UK. We will also launch FlexiPay Card in the UK to help SMEs settle monthly payments and meet daily expenditure needs. We expect to launch to a selection of our existing customers by the end of 2022, following the roll-out of FlexiPay in the first half of the year. 

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 grew by 12% despite the challenges of lockdown.