Help the economy. Invest.
Lend to British businesses at rates that suit you, and them.
Why lend through Funding Circle?
You can earn a current estimated return of 6.5%* per year.
Proven track record
39,105 people and the Government-backed British Business Bank** have lent £604M to businesses since 2010.
Thousands of loans
The UK’s largest marketplace, connecting investors with creditworthy businesses.
You have full control
Lend automatically using 'Autobid' or choose businesses yourself. You have options to access your money at any time.
Remember, your actual return may be higher or lower as your capital is at risk.It only takes a few minutes to register.
Lending is simple
- Set up your account
Register online in minutes and explore how it works for free.•
Transfer money to start lending.
- Lend to businesses
Compete against other investors by placing ‘bids’ at different interest rates. Bids with the lowest rates become part of each loan.•
Hand-pick businesses on the marketplace. Or, set your preferences and lend automatically using Autobid.
- Access your money
Receive monthly payments from each business.•
Options to access your money early.
MARTIN LEWIS, WRITING ABOUT HIS FUNDING CIRCLE EXPERIENCE
Funding Circle has been the most lucrative [peer-to-peer platform]. Since I joined in August 2012, drip-feeding cash in, my returns, after all fees and bad debt adjustment, have been 6.2pc. I didn’t pick individual borrowers, I just used 'Autobid'.October 2013
Our experienced credit assessment team review every application and only allow established and creditworthy businesses to borrow through Funding Circle. However, it's important to remember that some businesses will not be able to fully repay their loan. We call this a bad debt.
Diversification is the best way to manage risk. This simply means spreading your lending across hundreds of businesses, so you’re only lending a small amount to each one.
You can read more on our statistics page.
How do I become diversified?
- Lend to at least 100 businesses
- Lend no more than 1% of your total to each one
Every investor who has followed these 2 simple steps has earned a positive return (18 August 2014).
We’ve built an easy tool to help you diversify, just look out for Autobid in your account.
ABOUT OUR FEES
1% Annual Servicing Fee
Based on the amount you have lent to a business and collected whenever you receive a payment.
0.25% Sale Fee
Based on the amount of money remaining that you have lent to a business, collected if you sell a loan part.
AND ABOUT OUR PERFORMANCE
We publish all performance information, including the all time actual return across all investors and our bad debt rates on our statistics page. You can also keep up to date with your own investment by logging into your account.
AS FEATURED IN...
- "We are earning far more than on our bonds and are lending to 257 small businesses. My money can also help get the economy back on track."
- "This month the Financial Conduct Authority began regulating the sector for the first time, giving it an official stamp of approval."
- "Lending marketplaces such as Funding Circle have gained the trust of consumers by offering transparency and providing lower rates than banks to borrowers."
- "Within an hour of posting on Funding Circle, the company met its target. By the end of the week, they had raised £75,000 from 600 investors at a competitive rate."
Have any questions?
Download our free investor guide to read more about how it works and important information about lending through Funding Circle.
Visit our Help Centre or call us on 0207 401 9111 and we’ll be happy to help.