Funding Circle is an online marketplace where people lend to vetted, well established, and creditworthy businesses. People lend to lots of different businesses to spread their risk, from as little as £20 per business. And best of all it's really easy to get started.


Why should I join today?


  • Average net return 6.1%

    On average investors are earning 6.1% after fees and bad debts by lending your money to vetted, established businesses in the UK.
  • A low risk investment

    Our experienced underwriters screen every business loan application, using the same information the banks use. Only established and creditworthy businesses can borrow and we publish full market statistics for transparency. It's easy to lend to lots of businesses to manage your risk.
  • Access your money when you need it

    It’s easy to access your money when you need to, by selling your parts of loans to other lenders which takes 2 days on average. A 0.25% loan part sale fee applies.
  • Complete control

    Manage your account online and choose which businesses you want to lend to, over what term, and at what rate. Or alternatively use the Autobid tool to keep it quick and easy.

It's quick & easy to start lending


  1. Sign up & open an account

    Set up your account online in minutes. Once set up simply transfer your money into your Funding Circle account by debit card or online transfer.
  2. Start lending

    Research the businesses you would like to invest in by visiting the loan requests page, or use our Autobid tool. To use the Autobid tool, all you need to do is set the average offer rate you want and click ‘Turn on’ - that's it.
  3. Receive your re-payments

    Monthly repayments will go into your Funding Circle account, choose to transfer the funds out into your bank account, or to continue getting a great rate on your money you can re-invest it back into another loan, the Autobid tool can do this automatically for you.
You can join in minutes...

Lending to UK businesses is only a few steps away!