Helping small businesses get the funding they need to win

Over the past ten years, we have built a machine learning and technology platform that is revolutionising how small businesses access finance. Business owners can complete a loan application and receive a decision in a matter of minutes, enabling them to get funding quickly at an affordable rate.

Funding Circle team

Today, as the leading global provider for small business loans we have helped more than 118,000 small businesses access more than £13.1 billion in finance.

We stand for small businesses

Small business owners are forward thinkers. They’re determined. They stand up to make a difference and work hard to make it happen.

When small businesses succeed, they create jobs, support local communities and drive the economy forward - that’s why we care about helping them win. To us, nothing is more important.

We’ve helped 118,000 small businesses across the world

From accountants and jewellers to bakers and filmmakers, we’ve helped thousands of businesses to take their next step forward.

Find out about business loans

Helen Smith from Glogg borrowed £40,000 to manufacture 200,000 stainless steel cups for Glastonbury Festival.

A leading global small business loans platform

Funding Circle is the largest online small business loans provider and one of the best-capitalised lending platforms in the world. The business is listed on the London Stock Exchange (Ticker: FCH).

Our backers collectively manage over $5 trillion and are the leading firms behind Facebook, Twitter, Skype and Betfair.

Chancellor Philip Hammond praises Funding Circle as a ‘real success story… playing an important role in our economy – helping businesses to grow and create jobs.’
City A.M. January 2017
City A.M.
Funding Circle has secured an extra £40m from the Government to lend to small businesses, providing fresh capital at a time when business borrowing is facing a squeeze.
The Telegraph, January 2017
The Telegraph
Funding Circle has changed our lives. Accessing capital has fuelled our growth to the point where we have virtually doubled our revenue, and created quite a few jobs along the way. Thank you!
Luis, May 2017

Global leadership team

Samir Desai CBE

Co-founder, Chief Executive Officer

Vipul Chhabra

U.S. Managing Director

Lisa Jacobs

Europe Managing Director

Swati Lay

Chief Technology Officer

Jerome Le Luel

Chief Risk Officer

Sachin Patel

Chief Capital Officer

Lucy Vernall

Company Secretary, General Counsel and Chief People Officer

Oliver White

Chief Financial Officer

The board

Eric Daniels

Non-executive Director

Samir Desai CBE

Co-founder, Chief Executive Officer

Geeta Gopalan

Non-executive Director

Matthew King

Non-executive Director

Helen Beck

Non-executive Director

Andrew Learoyd

Chairman of the Board

Harry Nelis

Non-executive Director

Neil Rimer

Non-executive Director

Lucy Vernall

Company Secretary, General Counsel and Chief People Officer

Oliver White

Chief Financial Officer

118,000 businesses have financed their goals by borrowing £13.1 billion through Funding Circle.

£13.1 billion
Lent to businesses

Frequently asked questions

Funding Circle was founded in 2010 to give small businesses the funding they need to win. In the wake of the 2008 financial crisis, small businesses were poorly served by the finance industry and were not getting the access to finance they needed. At the same time, investors who had money to lend were struggling to make good returns. So we had a simple idea – let's connect them together.

Since then Funding Circle has been a lending platform that allows small businesses to get fast access to finance, while a community of investors earn interest by lending to them.

Funding Circle Limited is authorised and regulated by the Financial Conduct Authority under firm registration number 722513. Funding Circle is not covered by the Financial Services Compensation Scheme.

When businesses take a loan through Funding Circle, we charge a one-off completion fee. For investors lending through Funding Circle, we charge an annual 1% servicing fee.

Funding Circle is not a bank. We are an online lending platform that connects small businesses looking to borrow with investors who want to lend.

Funding Circle is an online lending platform, not a bank. We use innovative technology to connect businesses who want to borrow with investors who want to lend to them.

Small businesses apply using our simple online form. We then assess their application and, if approved, the loan is funded on our platform and paid into their bank account. We continue to service the loan throughout, returning repayments to the investors who lent to them.

By specialising in small business finance, we have tailored our processes to be as simple and efficient for our customers as possible, reducing application hassle, giving quick decisions, and providing great customer support.

Funding Circle was founded in 2010 and has helped to lend billions of pounds to thousands of small businesses across the UK. It is regulated by the Financial Conduct Authority and is listed on the London Stock Exchange.

We’re here to help

Get in touch with our support team for help or more information.

0800 048 2467

Need help? Give us a call.