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Check if you qualify for a business loan in 30 seconds

Expand, buy new equipment, hire staff or manage cash flow — whatever your business goals, our loans can lend a hand

Apply as a limited company without affecting your credit score

  • Apply online in 10 minutes

  • Decision in as little as 1 hour

  • Borrow £10,000 to £500,000

  • Rates from 8.9% p.a.

  • No fees to settle early

As well as offering business loans up to £500,000, Funding Circle is accredited by the Government-owned British Business Bank to provide business loans of £25,001 – £250,000 under the Recovery Loan Scheme (RLS).

Calculate how affordable a Funding Circle loan can be

Use our calculator to see what your monthly repayments could cost or get your personalised rate

*Amount must be between £10,000 to £500,000








* Calculations are indicative and intended as a guide only. You may be offered different terms. Based on average rate of our lowest risk businesses, and current fees, which may be subject to change.

Monthly repayment *


£ 17,564
Loan amount
Completion Fee
Total amount repayable
We’ve helped over 140,000 businesses borrow £16 billion to take their business further.

£16 billion


Bramley and gage

Bramley & Gage

"With their business funding, Edward and Michael from Bramley & Gage were able to boost their production by purchasing a new gin still."

Get a personalised quote without affecting your credit score

If you’re a limited company or LLP, you can get a loan decision without affecting your credit score. So you can assess your options with complete peace of mind.

  1. 1

    Check if you qualify in 30 seconds

    See if you qualify with no fuss

  2. 2

    Apply online in 10 minutes

    Tell us about you and your business in our online form

  3. 3

    Get your decision in as little as 1 hour

    If approved, you’ll get a personalised, no-obligation quote

  4. 4

    Get your funds within 48 hours

    Once you accept your offer, we’ll deposit the funds into your account


Here to help if you need us

Contact our UK-based team if you have any questions

How do business loans work?

When you get a business loan, your loan provider will lend you a lump sum of money, which you then repay over an agreed period with added interest. The money must be used for business purposes, such as marketing, equipment or growth.

Am I eligible for a business loan?

To be eligible to apply for a loan with us, you need to:

  • Have been trading for 1 year or more
  • Be based in the UK

Bobbin Bicycles

Bobbin Bicycles

"Tom at Bobbin Bicycles used his business loan to sell directly to customers via their website, cutting out the distributors he’d previously relied on."

How much will a business loan cost?

The amount your loan will cost will depend on the amount of money you want to borrow, your interest rate and your loan term. We charge a one-off completion fee when you take out your loan, and your interest rate will be calculated based on a number of factors, including your credit score and finances.

There’s no fee if you want to settle the loan early. All our loans are fixed rate, so you’ll know exactly how much you’ll need to repay each month and what the cost of borrowing is.

If you’d like a breakdown of how much your loan could cost, check out our business loan calculator here.

How much can I borrow?

At Funding Circle, you can apply for a small business loan of £10,000 to £500,000.

Is a business loan right for me?

Before considering a small business loan, you should take some time to work out whether a loan is your best option. Business loans can be used to refinance existing debt, or support your business through times of financial hardship.

You should never take out a business loan if you’re worried about whether you can meet the repayments.

A business loan could be right for you if:

  • You're buying assets that will add long-term value to your business
  • You require additional funds to grow or expand your business
  • You wish to improve your business credit score
  • You need help managing your cash flow

A business loan may not be right for you if:

  • You cannot find a loan of the correct amount with suitable terms
  • You are not certain you can afford repayments
  • You have recently been refused a business loan
  • You have used up all existing lines of credit

Improving your credit score can better your chances of getting a business loan. You can find some advice on how to boost your score here.