Your February Review – Insight and Analysis


Last month Funding Circle investors, like you, lent over £117 million to UK businesses to help them grow and develop.

Dive in below for your monthly analysis and read the latest blog by Simon Read, a personal finance expert. With extensive experience in helping people making the most of their money, Simon discusses saving for your summer holiday.


Last month, you and other investors helped businesses to take new opportunities, create new jobs and drive energy into the UK economy. Thank you for your continued support!


Read between the lines: Saving for your summer holiday

Are the short nights and cold days making you want to book a holiday away in the sun? Dive in for Simon Read’s top tips for ensuring you can plan and save efficiently for the holiday you’ve been dreaming of.


These graphs show the most recent activity on our platform.

You’ve helped more than 9,700 small businesses access finance in the last 6 months…



Totalling over £650 million lent



January 2018 sector breakdown

Amount lent to each sector


January 2018 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 2nd February 2018For 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 February 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