Help the economy. Invest.
Lend to British businesses at rates that suit you, and them.Start lending
Why lend through Funding Circle?
You can earn a current estimated return of * per year.
Thousands of loans
The UK’s largest marketplace, connecting investors with creditworthy businesses.
Proven track record
39,000 people and the Government-backed British Business Bank** have lent £610 million to businesses since 2010.
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.
“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.Watch video
Lending is simple
Register online in minutes and explore how it works for free.
Transfer money to start lending.
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.
Receive monthly payments from each business.
Options to access your money early.
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 outstanding on any loan and collected when the borrower makes a payment.
0.25% Sale Fee
Payable if you sell any of your loan parts to other investors.
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.
*The current estimated return is an 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 100 loans accepted on the marketplace. The average return is compounded and before tax. The return is updated daily. See the full calculation here.
** Funding Circle is supported by the British Business Bank, a development bank wholly owned by the UK Government. The British Business Bank and its subsidiaries do not offer bank accounts, take deposits or provide regulated banking services. The British Business Bank provides its financial support to smaller businesses through its delivery partners. Any decisions to provide finance to smaller businesses are made by Funding Circle not by the British Business Bank.