How investing
works

Funding Circle is a marketplace where investors can get a better rate on their savings by lending to vetted, established businesses.

• People lend to creditworthy businesses, and by lending to lots of businesses they can spread their risk
• Businesses borrow from lots of different people and the lowest interest rate offers become part of the loan
• With no banks and no middlemen people get great returns, and businesses get lower cost loans

A quick & easy way to invest

Our Autobid tool makes investing quick and easy, as it does all the hard work for you. You can distribute your money across lots of businesses, with minimal effort. All you need to do is set the average offer rate you want to lend at and then click ‘Turn on’ - that's it.

Choose individual businesses to lend to

By choosing individual businesses to lend to, you can focus on businesses with characteristics you value, i.e. certain regions, themes, sectors or their financial position. There is a lot of information available on the individual businesses and you can ask the owners questions too. You can either bid in new loan auctions or buy parts of existing loans from other lenders.

Accessing your money

If you want to access your money you can sell you loan parts to other investors – this takes on average 2 days.