Funding Circle is an online marketplace which can help businesses access fast and simple finance, whilst investors have the potential to earn better returns by lending to them. By directly connecting people and organisations who want to lend, with vetted, established businesses who want to borrow, we eliminate the complexity of the banking world.

As an investor it’s important to remember you’re lending to businesses so your capital is at risk.


How it Works Diagram

  1. One investor can lend to a number of creditworthy businesses to spread their risk and at interest rates they choose.

  2. One business borrows from lots of different investors, with only the lowest interest rates being accepted on their loan (subject to minimum bid rates).

  3. Once accepted, the business makes monthly repayments back to the investors who lent to them.

Investor benefits Find out why

  • A 6.1% average return* after fees and bad debts

  • Options to access your money early

  • Manage your level of risk

Remember, you are lending to businesses so your capital is at risk.

Business benefits Find out why

  • Quick and convenient

  • Only accept rates that suit your business

  • Independent from your bank

You can join in minutes...

Lending to UK businesses is only a few steps away!

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* This is the weighted average return across all investors lending for 180 days or more through Funding Circle over an annualised period. It includes all earnings and is calculated after fees and bad debt but before tax. Investment through Funding Circle involves lending to small and medium sized businesses so your investment can go down as well as up. Remember, past returns are not necessarily a guide to future returns. Data correct as of 19 February 2014. See the full calculation here.