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 people and large investors with creditworthy businesses.
Proven track record
39,000 investors including the Government-owned British Business Bank** have lent £1 billion 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.
Interest rates are set based on a number of factors including the risk band and term of the loan.
You can hand-pick loans on the marketplace or lend automatically using Autobid.
Receive monthly payments from each business.
Options to access your money early.
Personal Tax-Free Account
You will soon be able to open an ISA account at Funding Circle, which means your returns will be tax-free.
The subscription is £15,240 for the 2016/17 tax year across all ISAs. You will also be able to transfer ISAs from previous years into your Funding Circle ISA.Find out more
Martin Lewis, writing about his Funding Circle Experience
“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
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 (1 January 2016).
We’ve built an easy tool to help you diversify, just look out for Autobid in your account.Watch our video on diversification
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 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.