Help the economy. Invest.

Lend to British businesses at rates that suit you, and them.

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Guy from Texere Yarns to modernise his yarn business

Why lend through Funding Circle?

  • 6.7%*

    Great rates

    You can earn a current estimated return of 6.7%* per year.


    Proven track record

    39,232 people and the Government-backed British Business Bank** have lent £612M 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.
Start lending
Guy from Texere Yarns to modernise his yarn business

“The return on investment is important to me, but it’s also great to invest in companies and see them develop and grow.”

Kevin has been lending to businesses through Funding Circle for two years. We took him to meet Moo Free Chocolates, a business he lent to last year.

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

Minimising risk

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.

You can lend as little as £20 to each business. Start lending

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.

We're transparent

  • 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.


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.

  • Daily-telegraph-dark "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."
  • Bbc-news "This month the Financial Conduct Authority began regulating the sector for the first time, giving it an official stamp of approval."
  • The-guardian "Lending marketplaces such as Funding Circle have gained the trust of consumers by offering transparency and providing lower rates than banks to borrowers."
  • The-economist "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?

Guide Download our free investor guide to read more about how it works and important information about lending through Funding Circle.

Faq Visit our Help Centre or call us on 0207 401 9111 and we’ll be happy to help.

It only takes a few minutes to register. Start lending