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Small business loans

SBA Loan

Term Loan

Line of Credit

Working Capital

Merchant Cash Advance

Invoice Factoring

Small business financing made easy

We do the hard work to find the business funding to meet your needs. One application - multiple funding options.

SBA Loan

With some of the lowest rates and longest terms in the market, you can use this loan for almost any business purpose. See all your options - get started in just 6 minutes.

Term loan

Made exclusively for small businesses. A term loan gives you the money you need to invest in your business, without long wait times or unpredictable cash flow. See all your options - get started in just 6 minutes.

Line of Credit

Looking for a low obligation way to steady cash flow? Draw out funds only when you want to, and pay interest only on what you take out. See all your options - get started in just 6 minutes.

Working Capital

Cash flow is the lifeblood of your business. Increase your cash flow without taking on a long-term debt obligation. See all your options - get started in just 6 minutes.

Merchant Cash Advance

Don't let fluctuating cash flow stop you from accessing business capital. Get a lump sum upfront and pay with a percentage of your future credit and debit sales. See all your options - get started in just 6 minutes.

Invoice Factoring

Unpaid invoices getting in the way of growing your business? Choose which outstanding invoices you want to factor and receive up to a 90% advance. See all your options - get started in just 6 minutes.

Small business financing made easy

We do the hard work to find the business funding to meet your needs. One application - multiple funding options.

SEE ALL YOUR OPTIONS - GET STARTED IN JUST 6 MINUTES

One application, multiple funding options

Funding Circle was created with a big idea: to revolutionize the outdated lending system and build a better deal for small businesses. With one 6 minute application we can help you find the right financing options for your needs, from lines of credit to term loans, cash advance and even Small Business Administration (SBA) loans. Let's get started.

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Start your online application

Apply online in 6 minutes with one simple application.

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Review your options

Your dedicated Account Manager will contact you as soon as possible to review your needs and help you find the best funding option for your business.

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Get funded

Get a decision in as little as 24 hours and funding as soon as the next day accepting an offer.1

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Since 2010, Funding Circle has helped businesses in over 700 industries access the capital they need.

Over $12 billion lent to 90,000 small businesses globally.

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Here with you through it all

Tali Bouskila, the owner of Flower Casita, a flower shop and design studio, understands the importance of adaptability. After a series of wildfires she had to become more resourceful than ever. See how Funding Circle was able to help business bloom again.

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"My bank fumbled processing of my PPP loan. I contacted Funding Circle a few days before the June expiration and they got my loan processed an I got my loan within a couple of weeks. Any questions I had I was able to talk with my accounts rep, who was very helpful and kept me upto date on every step."

By Henry Yiu
Rated 4.8 / reviews

"It was extremely easy to work with the people at Funding Circle. They were very patient, very detailed in what the would need from us and very accurate on the timeline under which we were working. They communicated with us and kept us in the loop the entire time and then followed up after a short period of time, to confirm that we had received our loan and ask if we had any questions or concerns. The total experience was a dream..."

By Galen Metz
Rated 4.8 / reviews

"My experience was excellent! Application process was simple. The employee that helped me was very friendly personable. I would definitely recommend them for anyone interested in applying for a loan. If I need to apply for a loan in the future, I will go to Funding Circle!"

By Ali Syed
Rated 4.8 / reviews

Our commitment to trust and transparency

We believe small businesses should be protected from unfair, deceptive financial practices – that’s why a thoughtful approach to regulation and compliance is one of our core differentiators.

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Trust

We co-wrote the first standard for a transparent, accountable, and fair small business lending market, The Small Business Borrowers’ Bill of Rights.

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Transparency

As a member of the The Innovative Lending Platform Association (ILPA) we are dedicated to advancing best practices and standards that support responsible innovation and access to capital for small businesses.

1 Funding Circle may partner with other lenders to provide a full range of loan options to qualified borrowers. Approval and funding times may vary between lending partners.