We can help you get finance for:
- Working capital
Cars, vans, HGVs & motorcycles
Equipment, plant and machinery
Business bills and invoices
Stock and materials
Refurbishment or new premises
Let us find the right option for your business
With our Finance Finder Service, our team of experts will listen to your needs, suggest the right products and help you apply
Completely free service
Dedicated expert as your guide
Compare products and deals
Short and long term finance
Low rates and flexible terms
A personal service with expert knowledge
As well as our own products, we work with a panel of trusted partners that can fund a wide range of business needs. Your Account Manager will help you navigate the available options to find a deal that works for you.
We’ll present options, but won’t push you down a particular path – you know your business best. Our aim is to get you an offer you’re delighted with.
Products we can help you with:
- Business loans
Business credit cards
Line of credit
Asset finance and hire purchase
Vehicle & equipment finance
Merchant cash advance
How it works
Complete our simple online form and an Account Manager will contact you to review your options, find the right deals and put you in the best position to get approved.
1
Complete our simple online form
It only takes 7 minutes to complete and gives us the key information about your business
2
We find the right deals for you
An Account Manager will call you to discuss your options and the suitable terms on offer. You may even get an instant offer.
3
Complete your application
Your Account Manager will finalise your application, with decisions usually within 1-2 days
4
Get your funding
If approved, you’ll get a quick payout so you can put your plans into action straightaway
Why choose us for your finance needs?
A partner through the process
Your experienced Account Manager will guide you through your options, and you can call or email them directly.
A leading SME finance specialist
We’ve been focused purely on SMEs since 2010, helping 103,000 businesses borrow over £13.6 billion to fund their goals.
Fund different business needs
We can assess you for multiple products at the same time, saving you time and effort.
Frequently asked questions
To be eligible to apply for finance through Funding Circle your business needs to:
- Be based in the UK
- Have at least 1 year of trading history
- Have an annual turnover of at least £50,000
Our Finance Finder service is completely free and comes with no obligation. If you choose to take out a finance product, any fees or interest will be explained to you in advance. The cost you’ll pay will depend on the product and your business circumstances.
Business loans – Receive a lump sum of working capital and pay it off in fixed monthly instalments over an agreed term. Available for a wide variety of use cases.
Government-backed Recovery Loans – A type of business loan that provides a Government guarantee to the lender (in this case, Funding Circle). The guarantee means we can approve more businesses for finance.
FlexiPay line of credit – A credit facility that allows you to pay in 3 for business expenses such as bills, invoices, travel, stock, purchases and more.
Hire purchase — Allows you to pay for an asset in instalments over a set period, typically at a fixed interest rate, and own it at the end of the term. Your repayments will cover both the original cost of the asset and interest.
Finance lease — Allows you to lease a piece of equipment and use it over a period of time. Your finance provider will hold ownership of the asset, but you’ll receive exclusive use of it. Payments will cover the original cost of the asset and interest. At the end of the term, you can either renew your lease, or return the asset to the provider.
Asset refinance — Allows you to raise capital using your existing assets as security. This means you can borrow a lump sum, then make monthly repayments over a fixed term to pay it back. Any assets you put up as security will need to be owned by the business outright.
You will have a dedicated, UK-based Account Manager that you can speak to throughout the process. You can call or email them directly.