Rating based on 25 reviews

Funding Circle


  • Business Loans up to £500,000
  • Low-interest starting from 1.8%
  • Repayment up to 60 months

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Funding Circle homepage

Author Funding Circle. Screenshot of Funding Circle website. [Accessed December 18, 2018]

About Funding Circle

To date, we have approved and paid out thousands of business loans, we’ve helped businesses develop, investors thrive and the economy grow.

We’ve taken this progress global

You might know that the Funding Circle is the world’s leading marketplace that is exclusively focused on small businesses.

Our investors include

More than 62,744 people, the Government-owned British Business Bank, the European Investment Bank, local councils and a number of financial organisations are some of the investors that form part of our platform.

Our achievements

  • £250 million of equity capital raised since 2010
  • A portfolio of some of the largest and most sophisticated investors in the world
  • Our investors jointly manage over $5 trillion
  • More than £2.5bn has been lent to 25,000 businesses
  • The funded businesses spread across the UK, USA, Germany and the Netherlands
  • Capital firms that are behind leader companies such as Facebook, Twitter, Skype and a sovereign wealth fund.

Funding Circle Services

What do our services include? Simple, affordable business loans within a marketplace that connects established businesses looking to borrow, with people and other investors who want to lend.

Grow your business

  • Increase your working capital
    Our loans are designed to increase your working capital, making your business as productive as possible.
  • Finance one-off business costs
    Once-off business costs do occur, and that is where we are able to help you financially. It is after all for the benefit of your business.
  • Purchase an asset
    Assets are an important factor of your business and it increases your business’s worth. If you are looking at purchasing your next business asset, we will be able to assist you with the business finance you need.
  • Hire extra staff
    If you find yourself in the peak season of your business and you might require extra staff, give us a call. We approve short-term loans for the hiring of extra staff.

Funding Circle Product Details

  • Loan Type Business Loans
  • Interest Rate 1.8 – 7.4% p/a
  • Loan Amount up to £500,000
  • Repayment 6 months to 60 months

Benefits of Funding Circle

  • Working capital loans
  • Secured business loans
  • Unsecured business loans

Get the perfect business loan solution to grow your business

The online loan application is easy to complete and it should take no longer than 10 minutes.

Apply in four easy steps

The form has four short sections that simplify the application procedure.

Step 1: Provide us with your business details and check your eligibility for a loan.

Step 2: Create your personal profile for logging back into your application.

Step 3: Provide the following information in the third section: Loan and company details, including the loan amount and information about the business owners.

Step 4: Submit your application and upload or email us the required documents.

We are a leader in the industry

More than 25,478 businesses have been granted financing by us and over 62,744 people are lending. Since 2010, £2,432,326,855 has been lent to businesses in the form of quick online loans.

Loans to suit you

Borrow from £5,000 to £1 million, over a repayment period of between six months to five years. You have the option of unsecured and secured loans that can help you grow your business.

You will need to provide

  • Most recent formally prepared accounts
  • Last three months of business bank statements
  • Additional information may include management accounts or your most recent tax return. These requirements will be communicated to you by one of our experienced consultants

Straightforward application

Apply online and we will keep you up to date at every step of the way. You will get a decision direct from the credit team in a matter of days. It only takes 10 minutes to apply and you will get a dedicated account manager.

You should receive a response within two days and within seven days your business loan will be listed on our marketplace and funded by investors.

No repayment fees

You can pay your loan off earlier if you wish, with no fees for early loan repayment. We encourage you to save money on interest and early repayment is one method of paying less overall interest on your loan.

Multi-purpose loans

We understand that different businesses have different needs and thus, we have business loans for a number of business purposes that are specifically designed to benefit your business.

Fair returns for investors

Investors can lend directly to creditworthy businesses and receive monthly repayments.

UK’s largest marketplace

In total, we have lent more than £1 billion to businesses funded by 62,744 investors since 2010.

Fast business finance

Affordable business loans for working capital, assets and more.

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Funding Circle is a trusted & reliable provider of business loans

In our review, Funding Circle adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Funding Circle is a registered credit provider in the UK; FCA number 722513

Customer Reviews & Testimonials

I’m no computer whiz, but FC's online application service was easy to navigate, even for an electronically impaired individual such as myself.

Aaron B
— London —

I recently applied for a start-up loan to get my food truck up and running. I didn't qualify at other banks, but Funding Circle's low credit rating requirement enabled me to share my passion for ...

Dominick M
— Liverpool —

Starting a business is all pretty new to me. It's always a gamble. But I've hit the jackpot when I discovered Funding Circle. They listened, assessed, and found me the best short term loan suited...

Dixie Y
— Brighton —

Funding Circle Contact Details

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed