Apply in 6 minutes.
Decision in 24 hours.
Funds the next day.

And a dedicated account manager with you every step of the way.

How our process works

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1) Complete a loan application

Apply online in 6 minutes. There is no application fee, no obligation and applying won't affect your personal credit score. If you have questions about the application process, you can call our support team - they're excited to help you.

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2) Connect with your personal account manager

As soon as you submit an application, we connect you to a personal account manager who will help you get the right loan terms for your business.

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3) Submit documents

We require a few financial documents, such as bank statements and tax returns, to process your loan. You can submit your documents online or send them directly to your personal account manager.

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4) Get a decision

You will receive a decision on your loan application in as little as 24 hours

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5) Get your funds

After accepting an offer, your funds will be transferred directly to your bank account in as little as 1 business day.

Apply now

Applying won’t affect your credit score! 1

Get started

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 serve several different types of industries.
There are a few industries we can't serve.

Learn more

How we determine business loan terms

We take a holistic approach to understanding your small business creditworthiness using both business and personal financial variables. We believe this is critical to our ability to understand the nuances of every small business and provide a loan that’s tailored to your needs.

You, the owner

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Personal credit score

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Payment history

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Total debt

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Percent of business owned

Your business

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Business credit score

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Annual Revenue

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Public records

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Cash flow

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Years in business

Why small businesses choose Funding Circle

You don’t have the time for a lengthy loan application process

Apply online in 6 minutes, get a decision in as little as 24 hours after document submission, and receive funds as soon as one business day after you accept the offer.

You want a loan with flexible terms and repayment options

With loans from $25,000 to $500,000, predictable monthly repayments, terms from 6 months up to 5 years, and no prepayment penalties, Funding Circle provides a flexible loan tailored to your business.

You want support from a dedicated small business loan specialist

After submitting your application, you will be connected to your personal account manager who will work with you to understand your goals, explain your options, and find you the best loan terms for your business.

Apply now

How repayment works

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No prepayment fees and only pay for the time you borrow
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Simple automatic repayments

Accessing additional funds

We understand business needs change over time, and Funding Circle will be here when you need us to help with future funding. We also provide the opportunity for borrowers to request a higher loan size during their repayment period.

Get more funds
Logo for Better Business Bureau

A+ Better Business Bureau rating

Logo for US News and World Report Award

Best small business loan for low APR

by US News and World Report
(April 1, 2019)

Logo for LendIt Fintech Award

Top small business lending platform

2019 LendIt Fintech award

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