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.

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 typically 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

  • 7.4% * current estimated return after fees and bad debts

  • Options to access your money early

  • Manage your level of risk

Remember, your actual return may be higher or lower as 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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* The current estimated return is an estimate of the annual return after fees and bad debts that investors could earn from lending money to businesses seeking loans today. It is calculated by taking the gross interest rate less fees and estimated bad debts that will occur in the future for each of the last 100 loans accepted on the marketplace. The average return is compounded and before tax. The return is updated daily. See the full calculation here.