Funding Circle is the world's leading marketplace for business loans. We connect businesses who need finance, with thousands of investors, large and small, who want to lend to them. Businesses can access the finance they need to grow in as little as one week and investors have the potential to earn better returns by lending directly to them.

How it Works Diagram

  1. Investors can choose from thousands of businesses on the marketplace. By lending small amounts to lots of different borrowers, investors can spread their risk and earn a stable return.

  2. Businesses can borrow from lots of different types of investors including individuals like you and me, or from one larger investor like a financial organisation. The interest rate for each loan is set by Funding Circle and is based on a number of factors including risk band and term of the loan.

  3. Once a business accepts their loan, they make monthly repayments back to the investors who lent to them.

Investor benefits Find out why

  • 7.3% * 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

  • Fair cost with no early repayment fees

  • 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.