Small business loans calculator
Whether you want to grow your business or you’re looking for some working capital to help with cash flow, a Funding Circle business loan could take your business to the next level.
Quick quote is indicative and intended as a guide only. Based on average rate of A+ risk band business loan.
Grow your business with a business loan
Forget expensive credit cards and inflexible overdrafts — consider an affordable business loan to grow your business today.
Find out how much you could borrow and what your fixed monthly repayments would be by using our business loans calculator.
Once your application is approved, you’ll typically receive the funds within one week so you can get back to running your business quickly.
The UK Government is lending £60m to businesses through Funding Circle, alongside thousands of people and other investors.
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-backed British Business Bank Investment Programme decided to invest a further £40 million alongside other investors, to support economic growth by providing more efficient finance to small businesses.
We believe accessing finance should be as easy as possible which is why our 10 minute application can be done at a time that suits you, with no meetings or paperwork necessary. Hear direct from a decision maker in 2 working days — so you can focus on what’s important for your business.
Cost of finance
Interest rates start at 1.9% and are fixed for the duration of your loan, so you know exactly how much to budget for each month.
Fees at Funding Circle are simple and transparent and unlike other lenders, there are no fees for full early repayment.
You’ll only be charged one fee when you take out your loan. This is based on the amount and term of your loan, and is payable only if you accept the loan. If you go on to take out further finance with us or refinance, you will be charged a fee each time.
|Loan type||Loan term||Fee|
|Unsecured and secured business loans||6 months – 1 year||variable – fee|
|2 – 3 years||variable – fee|
|4 – 5 years||variable – fee|
|Asset finance||6 months – 5 years||5%|
|Property finance||6 months – 5 years||2%|
Late payment: If for some reason you are unable to make your monthly repayment on time, we may charge an administration fee of up to 15% of the repayment amount.
Trusted and recommended
Since 2010, £5.0 billion has been lent to UK businesses through Funding Circle and thousands of our customers have rated our service 5 stars for providing fast and affordable business loans.
Investors include 81,000 people in the UK, the Government-backed British Business Bank, the European Investment Bank, local councils and large financial organisations. Find out more about how it works.
Loans to suit you
Find out about our unsecured business loans, how secured loans could help you borrow more for your business, what types of property loans we offer and how asset finance may be the best option if you want to buy a piece of equipment. Or you can read more about how borrowing works at Funding Circle.
As featured in
“Some traditional banks are unaware of the competition they face — and the way upstarts such as Funding Circle are disrupting bank lending.”
“Lending marketplaces such as Funding Circle have gained the trust of consumers by offering transparency and providing lower rates than banks to borrowers.”
“This month the FCA began regulating the sector for the first time, giving it an official stamp of approval.”
“Within an hour of posting on Funding Circle, the company met its target. By the end of the week, they had raised £75,000 from 600 investors at a competitive rate.”