We’re the UK’s leading SME finance platform

We are the largest lending platform in the UK, with a proven track record and a well recognised brand.

Our platform facilitates access to an alternative asset class in an underserved market, and delivers both robust and attractive returns, as well as reduced cost of funding for leveraged investments. Established in 2010, and now the leading lending platform to SMEs, Funding Circle has to date provided over £17bn of loans to over 125,000 businesses in the UK. We operate in a large market - with over £80bn of loans outstanding, over £80bn of SME Card transactions every year and over £1.3trn of SME B2B payments - so the opportunity is large.

Over the last few years, we have executed against our multi-product strategy, driving an expanded customer set, an increased share of wallet and deeper customer engagement. Today, we are a more important part of our customers’ lives than ever before.

We are executing against our four strategic pillars to drive profitable growth: 

• Get to ‘Yes’: Expanding our product offering, improving our customer service and our credit segmentation to get to ‘Yes’ for more businesses. 
• Expand our audience: Through new distribution channels and product sets, we are broadening the range of customers we can serve and attract. Our credit card is bringing new customers into the Funding Circle ecosystem. 

• Scale our product offering: We are driving our newer products, FlexiPay and Cashback card, towards scale and profitability. We have made good progress building out product features to offer more flexibility for customers. 
• Build a seamless lifetime customer experience: We are serving our customers across a broader set of needs and by solving more problems for our customers, we are laying the foundations for long-term relationships as their trusted financial partner.

SMEs are a key driver of communities, society and the economy. Yet access to the finance they need to support their aspirations and operations is often restricted, with SMEs making up around half of UK GDP, but only a fraction of bank lending (<2%).

By lending to SMEs, you can help drive the real economy forward, create jobs and support communities, as well as earning robust, stable returns.

Funding Circle is a finance provider that backs small businesses. SMEs are crucial to the wider economy, supporting local communities and providing millions of jobs, yet they are often underserved by traditional finance providers. We're here to give them the access to finance they deserve.

Our latest Economic Impact Report, produced in partnership with Oxford Economics, examines the vital role small businesses play in the UK economy, and how our lending supports them. Read more here.

Our approach to Environmental, Social and Governance (“ESG”) is driven by our Global ESG Framework, with Board level oversight and executive level ESG management incentives. Our efforts focus on four key areas:

• Climate change and environment
• Diversity, equity and inclusion
• Social impact
• Governance and risk management

For further detail please see our Sustainability page.