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How Lending Works

How to withdraw your available funds

Updated: 4 December 2023

Here we give a step by step guide of how to withdraw Available Funds from your Funding Circle account. If you are withdrawing for the first time, you will need to set up a nominated bank account, which is also set out below. 

Please note, the Funding Circle investor app is no longer in use so all withdrawals need to be made online via a web browser. The examples below are intended as a guide only and do not represent your own account.

What are Available Funds?

When the businesses you have lent to make repayments, these accrue in your account as Available Funds and can be withdrawn at any time.

How to withdraw Available Funds

Here’s an example of how to withdraw available funds (images are from a demo account):

1.) When logged into your Funding Circle account, click on the Transfers tab 

2.) Enter the amount of available funds you wish to withdraw and click Withdraw.

You can withdraw some or all of your Available Funds, and there is no minimum withdrawal amount. Funds can take up to 3 working days to arrive in your bank account, however may take longer in certain scenarios where we either require further information from you, or need to carry out further checks.

When you have successfully requested a withdrawal to your nominated account you’ll receive a confirmation by email.

Withdrawing for the first time – How to set up a nominated bank account

As part of our security requirements, the first time you request a withdrawal we will need to verify that your bank account belongs to you. Normally this can be done automatically in a few simple steps. You’ll then be able to make withdrawals quickly and securely.

To start, click ‘Add bank account’: 

You will then be asked to confirm your personal details, with the option to update these if the information is out of date. Please ensure the details are correct and match your bank account information to increase the chance of your bank account being verified automatically.

Once you have confirmed your details, you will be asked to enter the account number and sort code of your bank account:

If we are able to verify the bank account automatically, you will see that your account has been added successfully and you will be able to enter an amount to withdraw:

If we are unable to verify your bank account automatically, you will be required to provide further details. There are a number of reasons why the check may not pass automatically, for example if your bank account was opened a long time ago or if it is a joint account. Click continue and follow the instructions to upload a copy of your bank account details: 

Once this has been verified by our team you will receive an email confirming that you are now able to log in and withdraw funds.

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