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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.

How much do you want to borrow?

The value must be between £10,000 and £1,000,000.

10000 1000000

Loan term (years)

Fixed monthly payments

2077 /month
Completion fee (3.9%)2730
Total cost of loan74796
Check your eligibility

Our interest rates start at 1.9%. Get your free, personalised quote and find out your rate by filling out our 10-minute form.

Check your eligibility or  Apply now


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.

Great service, and so easy

“Such a clever, simple and quick process. Would highly recommend over bank loans.”

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.

  1. Key features
  2. Cost of finance
  3. Trusted and recommended

Key features

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.

  • Business loans from £50,001 to £250k —
  • Repay early for free and only pay interest for the time you borrow
  • 6 months – 5 year terms
  • Unsecured and secured loans available
  • Fixed interest rates starting at 1.9%
  • Use your loan for almost any purpose

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 typeLoan termFee
Unsecured and secured business loans6 months – 1 year1% – 5%
2 – 3 years3% – 6%
4 – 5 years5% – 6%
Asset finance6 months – 5 years5%
Property finance6 months – 5 years2%

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.

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.

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