Rating based on 21 reviews

Funding Circle


  • Business loans up to £1,000,000
  • Low-interest starting from 1.8%
  • Repayment up to 60 months

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Funding Circle homepage

Author Funding Circle. Screenshot of Funding Circle website. [Accessed September 8, 2021]

About Funding Circle

Nowadays in business, trust is everything. You work hard to earn your customers’ trust by providing them with top-notch products and a high level of service.

So, it is only natural that you want that same level of trust as well as expertise in the field when it comes to selecting a financing company for your company.

We've revolutionized business finance

Funding Circle has been the trusted financing resource for many businesses since 2010. Since launching the business, Funding Circle has been dedicated to providing timely and dependable equipment financing services along with a commitment to responsive and supportive customer service. It didn’t take long for businesses of all types in the UK to start using Funding Circle for their financial needs.

Whatever you're looking for - we can help

Most businesses require outside funding, but many small business owners don't know where to find it, or how much to ask for. Whether you need a short-term personal loan, small business grant, investors, venture capital or crowdfunding, you can greatly improve your chances of securing business capital with our expert tips and guidance in the financial area.

Funding Circle Services

Funding Circle lives up to expectations with local and national lenders in all angles.

Legitimate issues routinely emerge in connection with all exchanges. Funding Circle strives to be in compliance with regulatory necessities.

These necessities include:

  • Structuring the loan
  • Drafting commitment letters and all loan reports
  • Management of the process
  • Negotiating the terms of the loan reports
  • Closing the loan and monitoring of post-shutting matters, including, when important, helping to restore bad credit 

We provide a comprehensive mix of services

The mixed bag of loans with which we are experienced include: obtaining finance, refinance, variable and fixed-rate loans; resource-based financing exchanges, for example, working capital loans and short-term lines of credit secured by accounts receivable, inventory, protected innovation, vehicles, supplies and, in addition, different resources; and government ensured loans.

Funding Circle – Business loan

  • Loan Type Business loans
  • Interest Rate 1.8 – 7.4% p/a
  • Loan Amount up to £1,000,000
  • Repayment 6 months to 60 months

Benefits of Funding Circle

  • Unsecured Business Loans 
  • Affordable loans
  • Easy application

Business loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Funding Circle – the Preferred Business Loan Platform

Funding Circle is a peer-to-peer lending platform that conveniently brings investors and lenders together.

We are truly making strides in revolutionizing the banking industry by helping businesses access financing without having to go through the age-old, time-consuming processes most financial institutions still maintain. With Funding Circle we offer you a platform to meet investors and get the business loan that you need to grow your business.

Helping lenders with negotiations, documents and compliance

We will always try to assist you with compliance issues and strive to make it easy for you to advance through the application and development phases of the financing process. We are here to help you get the business finance that you need to move your business forward and achieve your dreams.

Funding Circle can help UK financial establishments with compliance issues, and in addition, facilitate the lending process with the skill and expertise that we've become so well known for. Our involvement in commercial loaning is not restricted to lender representation just. We service the needs of businesses of all sizes and will help you comprehend and work some way or another through the occasionally overpowering undertaking of surveying and arranging the terms of your loan.

Forget business plans - we look much deeper than that

Contrary to popular belief, business plans do not generate business financing. True, there are many kinds of financing options that require a business plan, but nobody invests in a business plan. Investors need a business plan as a document that communicates ideas and information, but they invest in a company, in a product, and in people.

Get a Customized Business Loan to suit your business needs

With over 45 000 investors waiting to invest in your business, Funding Circle has a huge competitive advantage over traditional banking institutions and other private lenders. Apart from our quick and easy online loan application process, we offer fixed rate repayments that enable you to have better control over your budget. We also have a strict no early repayment penalty policy that will give you confidence knowing that you can repay your business loan early without being charged a fortune! We offer both secured and unsecured business loans of between £5,000 and £1,000,000 – and you’ll know if you’ve been approved in a matter of days! You can select a loan term of anywhere between 6 and 60 months, subject to your eligibility and loan amount.

Business Loans Available at Funding Circle

  • Secured Business Loans
  • Unsecured Business Loans backed by a personal guarantee
  • Working Capital Loans
  • Fast Business Loans
  • Small Business Loans
  • Asset Finance, Property Loans and other business loans

The easy loan application process with Funding Circle

We require a minimum of 24 months worth of business financial statements in order to consider your loan application. In addition, we will also require 3-month bank statements and you’ll have to fill out our simple application which takes about ten minutes. We offer highly competitive interest rates which start at as low as 6% and arrangement fees that pale in comparison to those charged by banks and other mainstream lenders.

To find out if you're eligible for a small business loan with Funding Circle you can enter some basic information into our online platform and our credit team will evaluate your application and get back to you. We’ll also keep you updated on your business loan application every step of the way so you're never left in the dark, with all these amazing features, it’s no wonder that Funding Circle is now the business lender of choice!

man holding thumbs up

Funding Circle is a trusted & reliable provider of business loans

In our review, Funding Circle adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Funding Circle is a registered credit provider in the UK; FCA number 722513

Customer Reviews & Testimonials

March 2019

Funding Circle has become my favourite because they offer affordable interest rates on their loan advances.

Eve K
— Bath —

October 2019

Applying for the Fundin Circle loan was the best decision I made for my budget. I have never looked back!

Christopher S
— Manchester —

Funding Circle Contact

Physical Address

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed