Let’s Make The World go Round

Small businesses can borrow quickly and easily to reach their goals, while investors can make a return and a difference by lending to them.

How it works

We connect creditworthy businesses looking for finance with people and organisations with money to lend. Our platform is more efficient and transparent than traditional lending, and we believe it’s a better system for everyone.


Investors use their online account to easily lend to hundreds of businesses looking to borrow.

Funding Circle

We review applications and approve creditworthy businesses. We then pay out their loans and process repayments for investors.


Businesses make fixed monthly repayments with interest, which we distribute to all the investors who lent to them.

Jim Whittaker runs Channel Training, a specialist provider of outdoor and adventure programmes.

After 6 years, Jim wanted to expand and open a new training centre. He came to Funding Circle, where 1,367 investors funded his loan, helping his business grow while making a return.

Invest with confidence

Diverse investments are an important part of planning for your future. We focus on delivering attractive, stable returns so you can reach your financial goals.

  • Thousands of businesses borrow through our platform, so you can easily lend to hundreds of established businesses and build a diversified portfolio.
  • Rigorous credit assessment so you lend to creditworthy businesses and loans perform in line with our expectations.
  • We manage everything during the lifetime of a loan, so you’ll get repayments with interest in your account every month.

Remember, when lending to businesses your capital is at risk.

Lend alongside thousands

Loans are funded by some of our thousands of investors lending small amounts, or by one organisation like a local council.

£329 million interest earned for investors after fees and bad debt, before tax. It’s important to remember that past performance is not a guide to future performance.

£329 million
Interest earned since 2010.
We specialise in small business lending

We understand small businesses so we’ve worked to remove jargon, simplify processes and give fair decisions quickly.

The world needs small businesses

Across the globe, small businesses aren’t given the finance they need to grow. We’re here to change that, by making finance accessible, quick and simple.

  • A streamlined application with no meetings or business plans, just a simple 10-minute form.
  • Exceptional service with dedicated account managers, so you can focus on your business while we take care of your loan.
  • A finance partner for life – so whenever you’re ready to take your next step, we’ll be here to help you with additional finance.

100,000 UK businesses have borrowed more than £6.2 billion since 2010, supporting the creation of 100,000 jobs.

100,000 jobs
Created and sustained in 2017

What makes us different


We know the best way to build trust is to be transparent in everything we do. Our performance history is always available, costs are straightforward and you can see where your money comes from, and goes to.


Technology and data is at the heart of our business, but our job is to make it work for you. There’ll be times when you want to speak to someone about your loan or investment, so our team are always on hand to help.

Built to last

Our regular stress tests show investors can still earn attractive returns in a downturn, and having a diverse investor community ensures there’ll always be funds to lend to businesses. Read more about us.

The Economist
The Telegraph
BBC News
The Guardian
The Financial Times
City A.M.

Are you a business owner?

Find out how we can help you take your next step with affordable finance.

  • Unsecured loans up to £500,000
  • Dedicated account manager
  • No fees for full early repayment

Are you an investor?

Open your account today and you can start earning for your future.

  • You can earn 4.5 - 6.5% per year
  • Proven track record
  • Easy to manage your online account

Remember, your actual return may be higher or lower, and when lending to businesses your capital is at risk.