Your January Review – Insight and Analysis


In 2017, we helped over 10,000 UK businesses borrow over £1 billion. This year we want to do even better, helping businesses and investors achieve their goals, create new jobs and drive the economy forward. Here’s to a great 2018! Dive in below for your December review.


Last month, you and other investors helped over 1,400 UK businesses take new opportunities and reach their goals — thank you for your continued support!


December highlight: Small business infographic

Did you know there were more than 30,000 street sellers in London in the late 1800s? Was this the start of small businesses as we know them? In case you missed it, take a tour through small business past, present and future in our shiny new infographic.


These graphs show the most recent activity on our platform.

You’ve helped more than 9,300 small businesses access finance in the last 6 months…


Totalling over £630 million lent


December 2017 sector breakdown

Amount lent to each sector


December 2017 regional breakdown

Amount lent to each UK region



As part of lending to businesses, a small percentage will not be able to fully repay their loan. This is known as bad debt and is a normal part of business lending. We believe diversification, where you lend no more than 1% of your total to each business, is the best way to reduce the impact this has on your return. Our automatic lending tool will help you diversify by splitting your investment across lots of businesses. We suggest lending £2,000 or more, so you can lend to at least 100 businesses, with no more than 1% going to each one.  

Each week, we publish a list of the loans being defaulted on the Customer support section of our website under ‘Announcements.’ To see a breakdown of the loans defaulted last week simply click on loans defaulted 4th January 2018  For further information on why Funding Circle defaults loans you can read our FAQ here.



You can also read more about how our collections and recoveries process works (part one and part two) on our blog.

Up next in January we’ll be looking at the impact your lending is having on the UK economy and bringing to life some of the businesses you’ve helped access finance.

As always, if you have any questions or comments our dedicated team are here to help. And if you have any further suggestions we’d love to hear them.

Enjoy lending, the Funding Circle team

*Data from CEBR report

This blog is a general summary, and should not replace financial advice tailored to your specific circumstances. Funding Circle is not authorised to, and does not, provide investment, tax, legal or regulatory advice. If you have any questions, please speak to your professional advisor or seek independent specialist advice.


Eloise Austerberry

Marketing Executive