Business finance that backs you
Small businesses aren’t given the finance they need to grow. We’re here to change that, by offering the refreshingly simple finance options you need to reach your goals.
100% dedicated to small businesses
Business owners are forward thinkers. They’re determined. They stand up to make a difference and work hard to make it happen. That’s why our mission is to back them to succeed.
We’re proudly raising the bar in the world of SME finance with innovative products and services that support real businesses to go from strength to strength.
- Fast, hassle-free business loans
- FlexiPay, a flexible line of credit
- Cashback business credit card
- Asset finance through expert partners
- Decisions in as little as 1 hour
- 7 minute application
We’ve helped over 110,000 UK businesses borrow £14.6 billion to take their business further.
£14.6 billion
Lent to UK businesses
The UK’s number 1 business lending platform
Founded in 2010, Funding Circle is one of the largest online platforms for business loans in the world, and is listed on the London Stock Exchange.
1
2010
Funding Circle is born, and £2 million is lent to SMEs in the first year
2
2015
Lending reaches £600 million through our hassle-free term loans
3
2020
Accredited to offer Government loan schemes, so we can support SMEs through the Covid-19 pandemic
4
2021
Over £7 billion contributed to GDP and 100,000 jobs supported by our finance options
5
2022
Over 130,000 businesses supported with £14+ billion and FlexiPay is launched
6
2023
£234 million worth of transactions made by FlexiPay customers
7
2024
Our brand new Cashback business credit card is released – and there’s more to come as we continue to grow…
Here to help if you need us
Contact our UK-based team if you have any questions
Proud sponsors of Premiership Rugby
Like rugby, running a business takes grit, hard work and a good team of people behind you. That’s why we’re sponsoring Premiership Rugby – so we can support all small businesses, from rugby clubs to restaurants, and back your team from behind the scenes. You can find out more about our partnership by visitng our Rugby Hub.
Frequently asked questions
Funding Circle was founded in 2010 to give small businesses the funding they need to thrive. In the wake of the 2008 financial crisis, small businesses were poorly served by the finance industry and were not getting the access to finance they needed.
We set out to change that with an innovative new platform model, and have continued to grow ever since. We’ve since transitioned from just business loans to multiple products for different needs – to give businesses the flexibility to decide which finance suits them.
Funding Circle Limited is authorised and regulated by the Financial Conduct Authority under firm registration number 722513. Funding Circle is not covered by the Financial Services Compensation Scheme.
Funding Circle is not a bank, but an online lender. The way we provide finance is more efficient and transparent than traditional lending, which we believe makes it a better system for everyone.
Small businesses apply using our online form, which takes just 7 minutes to fill in. We then assess their application and, if approved, the loan is funded and paid into their bank account. Decisions come in as little as 1 hour, and funds are typically paid within 48 hours once approved, making it a much faster and simpler process for business owners. We continue to service the loan throughout.
By specialising in small business finance, we have tailored our processes to be as efficient for our customers as possible, reducing application hassle and providing great customer support.