Together, we’re better.
Thousands of people and the British Business Bank have lent over £1.6 billion to businesses. At rates that suit everyone.
Join 19,000 businesses
- Loans of £5,000 – £1 million
- Terms up to 5 years
- Fast: funds typically within 1 week
- No early repayment fee
Start lending alongside
thousands of people
- You can earn a current estimated return of * per year
- Back British businesses
- Options to access your money early
Remember, your actual return may be higher or lower as your capital is at risk.
The Government-owned British Business Bank is lending through Funding Circle**
“Peer-to-peer lending platform Funding Circle has secured £40m from the UK government to support small businesses… The British Business Bank has previously lent Funding Circle £60m, which has been channelled to more than 10,000 businesses across the UK. The government has in return earned about £5m in net interest over the past four years.” January 2017.
*The current estimated return is a weighted 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 3000 loans accepted on the marketplace. The average return is weighted by loan amount, compounded and before tax. The return is updated daily. See the full calculation here.
** Funding Circle is supported by British Business Bank Investments Ltd, the commercial arm of the British Business Bank, a development bank wholly owned by the UK Government. In 2017, British Business Bank Investments Ltd committed £40 million, in addition to its £40 million commitment in 2014, alongside other investors, to support economic growth by providing more efficient finance to smaller businesses.