Receiving your
repayments

Receiving your repayments

Funding Circle collects monthly repayments from businesses, and automatically transfers the interest and principal into your account.

Invest your repayments to maximise your return

To keep getting a great rate you will need to lend your repayments to new businesses. You can choose to re-invest them into individual businesses or automatically do this by switching on the Autobid Tool. Alternatively, you can of course withdraw the repayments.

A business can choose to repay its loan in full before the loan term ends. If this were to happen your outstanding principle amount will be returned into your Funding Circle account where you can choose to lend it out to other businesses.

We manage any missed repayments

If a business misses a payment to you, we have a professional collections agency that will chase the business on your behalf. We use exactly the same processes that banks and other financial institutions use.

If in the unlikely event a business ceases to trade, and the loan has a personal guarantee, or is to a non-limited partnership, Funding Circle Recoveries and its debt collection agency will pursue the guarantors, or partners for the unpaid amount due on your behalf. If the loan does not have a personal guarantee Funding Circle Recoveries will attempt to recover the maximum amount possible as a creditor of the business through the courts.

Find out more about risk