Small Business Loan Eligibility Guide

Searching for business financing is tough. We're here to help you get the right loan for your business.

Check your eligiblity

How many years have you been in business?

Have you declared bankruptcy in the last 7 years?

You’re on the right track for a Funding Circle loan

We offer loans to small businesses who have been in operation for 2+ years and haven’t declared bankruptcy in the last 7 years, but we would be excited to help you in the future.

Learn more about how to get a loan

You could be a great fit for a Funding Circle loan

Apply for a loan in 6 minutes!

Apply now

We help small businesses with loans tailored to their needs

We have helped over 81,000 established small business securely access the capital they need to succeed. We know that every small business is unique, which is why we don’t have a one size fits all approach to underwriting. Our team will work with you to tailor the right loan solution for your needs.

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Are we a good fit for your business?

  • 2 years in business
  • Personal credit score (FICO) of 660 or higher
  • No bankruptcies within the last 7 years
  • Not located in Nevada (due to state commercial lending regulations)

We work with a diverse group of industries

Accountants, jewelers, bakers, filmmakers: we’ve helped thousands of businesses across more than 700 industries unlock the capital they need to thrive. Our flexible loan product is designed to solve the specific needs of your business.

We serve many different types of industries. There are a few industries we can’t serve

Learn more

Use your loan for more

Whether you’re looking to refinance expensive debt, open a second location, or scale-up inventory for busy season, Funding Circle has you covered. Unlike other online lenders, our loan product is not a one-size-fits-all approach. We provide flexible capital that suits the unique needs of your business.

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How to get a business loan

With our simple online form and dedicated account managers, you won’t waste any time on your loan and can stay focused on your business.

  1. Apply online in 6 minutes

    Submit your initial application in just a few clicks.

  2. Hear from us within 1 hour

    Your personal loan specialist is available to help you collect your documentation and answer any questions.

  3. Get a decision in as little as 24 hours

    Your underwriter will review your completed application and may call to get to know your business more.

  4. You get funded as soon as 1 day

    Once you’ve accepted your offer, you’ll typically receive the funds the next business day.

Applying won’t affect your credit score!1

We’re here to help

You’ll get a dedicated account manager to guide you through every step.

A Funding Circle account manager who is here to guide you through the loan application process

(855) 385-5356

Give us a call!


From the start of the application to completion of the loan, the process with Funding Circle was quick (I had an offer on my loan in a few days) and I was offered various options. I received exactly what I asked for and the loan rate and terms were reasonable. My loan processor was very accessible, answered all my questions, and was extremely professional.
Dyana, July 2019
reviews

Check your eligibility

How many years have you been in business?

Have you declared bankruptcy in the last 7 years?

You’re on the right track for a Funding Circle loan

We offer loans to small businesses who have been in operation for 2+ years and haven’t declared bankruptcy in the last 7 years, but we would be excited to help you in the future.

Learn more about how to get a loan

You could be a great fit for a Funding Circle loan

Apply for a loan in 6 minutes!

Apply now
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1 If your business is organized as a general partnership, your credit score may be impacted.