Think beyond microloans

Get your personalized rate Pictured: Peter Koshland of Koshland Pharm

As a business owner, you might be wearing twelve different hats on any given day. Funding Circle is here to deliver the business financing options you need quickly, so you can focus on what’s important — growing your business. And with loans starting at just 6 months and 4.99%, we aim to make it as affordable as possible. We’re committed to offering:

  • Best-in-class service with a dedicated account manager
  • A decision in as little as 24 hours after document submission
  • Fixed monthly payments
  • Transparent rates and a simple, one-time origination fee
Funding Circle can help you with business financing for your business Click on Apply Now to check your eligibility

What we offer

Rates starting at 4.99%1
Loans from $25K-$500K over 6 months-5 years
A decision in as little as 24 hours after document submission

Microloan alternatives to:

Move or expand your space

Move or expand your space

Give your business room to grow with a bigger office, new location, or more warehouse space.
Refinance debt

Refinance debt

Convert high-interest debt into one monthly payment, with no prepayment penalties.

Buy inventory or equipment

Invest in new equipment and fulfill every order through bulk inventory purchases.
Hire more employees

Hire more employees

Take your business to the next level by expanding your team and adding new skill sets.
Move or expand your space

Move or expand your space

Refinance debt

Refinance debt

Buy inventory or equipment

Buy inventory or equipment

Hire more employees

Hire more employees

Our quick and easy application

Small Business Loan Eligibility

Apply online

In under 10 minutes

Submit your initial application in just a few clicks.

Small Business Loan Support

Hear from us

Within 1 hour

Your personal account manager is available to help you collect your documentation and answer any questions.

Small Business Loan Decision

Get a decision

in as little as 24 hours

Your underwriter will review your completed application and may call to get to know your business more.

Small Business Loan Funded

You get funded

In as few as 5 days

Once you’ve accepted your offer, you’ll receive the funds within days.

Success Story

"I would recommend Funding Circle because they really get small business. The whole process is a lot smoother, faster, and more personalized than what you’d get from a bank."

- Viola Sutanto of Maika Goods
Loan Details
$2400/mo. for 24 months

An alternative to microloans

Financing a thriving business shouldn’t be complicated. We offer the business financing solutions — large and small — that help move your business forward, so you can focus on staying competitive and profitable. Together, we’ll build a partnership for growth.

Why Funding Circle

Funding Circle was created with a big idea: to revolutionize the outdated banking system and secure a better deal for small businesses. We passionately believe that when small businesses succeed, everyone benefits. To help your business thrive, we’ve taken the best parts of an SBA loan – like fixed and affordable once-monthly payments and no prepayment penalties – and created something faster and more flexible. From accountants and jewelers to bakers and filmmakers, we’ve helped thousands of businesses secure the financing they need to grow, create jobs, support local communities, and drive the economy forward.

A cut above the rest

If you need business funding, this is your place. They were a lifesaver!


No hassle, speedy, great rates and excellent customer service. Definitely recommend!
- Debbie


Thanks to the Funding Circle team for the support. The loan application process was simple to follow and processed quickly. They stepped in to support my business when the banks were useless.
- David

based on reviews

Frequently Asked Questions

Why should I borrow from Funding Circle as opposed to a bank or other lender?
How long does it take to apply for business credit through Funding Circle?
Do you offer microloans for startups?

Visit our Resource Center

Tips and tools for growing your business.

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Have any questions?

Account Manager

Give us a call!

(855) 385-5356

Our dedicated loan specialists are here to help you.

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Download your guide to business loans. See how we compare to other lenders.

1 Rates may vary according to term and overall creditworthiness. To see what rate your business may qualify for, apply today at no obligation.