Bidding in
auctions

There are hundreds of businesses at Funding Circle that you can invest in today, and more being added every day. Once a business has applied for a loan and passed our credit assessment process, they are listed on the marketplace. Over a 14 day period investors can ‘bid’ an amount of money and interest rate. The lowest rates automatically get accepted. View the marketplace

There is also a ‘Buy it now’ option where you can buy loan parts from existing loans– this way your money can start earning interest immediately and instantly build a well diversified portfolio.

Choosing which businesses to lend to

By choosing individual businesses to lend to, you can focus on companies with characteristics you value, i.e. certain regions, themes or sectors. We have compiled a list of things you may want to consider when choosing which businesses loans to invest in. There’s also lots of information and data available on each business, once you have signed in.

What you can look at

• Financial performance

  when logged in you will be able to view the business’s accounts and other credit information

• Industry Sector

  choose particular sectors or industries, such as services, manufacturing or importing

• Region

  businesses can apply from the England, Scotland, Wales and Northern Ireland

• Security on the loan

  see the level of security attached to the loan (eg personal guarantee, asset security, all asset agreement)

• Ask the businesses questions

  investors are invited to ask questions to the business, you can see other investors questions and the businesses responses

Maximising your yield

By bidding in auctions you can maximise your yield versus other investors.

Quick tip

Remember, you should consider building a portfolio of hundreds of loans to limit your risk exposure.