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“Best business finance”
  • Borrow £5k – £1m, unsecured loans up to £250k
  • Flexible terms from 6 months to 5 years
  • No repayment fees. Payback early, pay less
  • Online application. Decision in 2 working days
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The Government-owned British Business Bank is lending £80m to businesses through Funding Circle, alongside thousands of people and other investors.

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In March 2013, the Government began lending £20 million to small UK businesses through Funding Circle, as part of its Business Finance Partnership scheme.

In early 2014, the Government-owned British Business Bank Investment Programme decided to commit a further £40 million alongside other investors, to support economic growth by providing more efficient finance to small businesses. In 2017 the British Business Bank committed a further £40 million to lend to small businesses.

Funding Circle is supported by British Business Bank Investments Ltd, the commercial arm of the British Business Bank, a development bank wholly owned by the UK Government. In 2017, British Business Bank Investments Ltd committed £40 million, in addition to its £40 million commitment in 2014, alongside other investors, to support economic growth by providing more efficient finance to smaller businesses.

Who are we?

Simple, affordable business loans

We’re a marketplace that connects established businesses looking to borrow, with people and other investors who want to lend. By cutting out the costs and complexity of dealing with banks, you can get an affordable loan for your business in just one week.

Don’t just take our word for it

More than 19,000 businesses have borrowed. Over 41,000 people are lending. £713,000,000 has been lent to businesses since 2010.

Within days we had an agreement, the money at a great rate and no second charge. The antithesis of what to expect from a bank.

Loans to suit you

Borrow £5,000 - £1m, over 6 months to 5 years.

Our unsecured and secured loans can help you:

  • Grow your business
  • Boost your working capital
  • Cover one-off business costs
  • Buy an asset
  • Hire extra staff
If your loan is for something else, just tell us in your application.

Straightforward application

Apply online at a time that suits you and you’ll be kept up to date at every step of the way. Get a decision direct from the credit team in a matter of days, not months.


77% of businesses that borrow through Funding Circle would approach us first for a loan, rather than go to a bank. 2013, Nesta Report.

10 minutes

Create a full application and get a dedicated account manager.

Get started

2 working days

Get an answer from a decision maker.

up to 7 days

Your loan is listed on our marketplace and funded by investors.

Have any questions?

Download our guide to business loans Share with your advisors.
Speak to an Account Manager 0800 048 8747

Other business loan products

Asset finance Unsecured loans Secured loans Working capital Small business loans Business loans