Diversify your fixed-income portfolio with secured business term loans
Funding Circle Securities is the affiliated broker–dealer of Funding Circle USA, an online small business loan marketplace. Funding Circle Securities provides accredited and institutional investors the opportunity to invest in American small businesses.
Invest in established American small businesses (not startups) that have operating history, cash flow and a strategic plan for growth3. All the Notes on the Funding Circle Securities’ marketplace are tied to secured, fully-amortizing small business term loans. The loans range from $25K to $500K, have 6-month to 5 year terms, and feature coupon rates from 4.99% to 26.99%.
Open an account online here or contact our investor services team to learn more
Explore the marketplace, analyze loan data and build a diversified portfolio
Track the scheduled monthly principle and interest payments online
Investing for retirement? We can provide traditional or Roth IRA account investment opportunities.Start investing
Select businesses yourself or enroll in automated investing
Login to view listed businesses, access loan data and purchase Notes via the online marketplace
Set your desired investment criteria and automatically build your portfolio
The underwriting team for Funding Circle USA3 analyzes every application and only allows established and creditworthy businesses to borrow through. However, it’s important to remember that some businesses will not be able to repay their loans. Diversification is the best way to manage risk. This means spreading your investments across a number of businesses so you are only investing a small amount in each one.
Securities offered through Funding Circle Securities are only for accredited investors who are familiar with and willing to accept the high risk associated with private investments. Investing in private placements through Funding Circle Securities requires a high risk tolerance, low liquidity concerns and long term commitments. Investors must be able to afford to lose their entire investment. Carefully consider the investment objectives, risk, charges and expenses of any investment product prior to investing.
Funding Circle Securities, LLC (
Funding Circle Securities), member FINRA/SIPC, is an affiliated entity of the parent company, Funding Circle USA, Inc. All securities related activities and products are conducted through Funding Circle Securities exclusively. Funding Circle Securities offers certain investment products of its affiliates. Such products of affiliates are not publicly traded and may be subject to holding period requirements. Securities offered through Funding Circle Securities are deemed suitable by Funding Circle Securities for Accredited Investors, as defined by Rule 501 of the Securities Act of 1933, who are familiar with and willing to accept the higher risk associated with private investments. Investing in private placements through Funding Circle Securities requires a high risk tolerance, low liquidity concerns and long term commitments. Investors must be able to afford to lose their entire investment. Carefully consider the investment objectives, risk, charges and expenses of any investment product prior to investing.
Notes are issued by the Funding Circle Notes Program, LLC (
Funding Circle Notes Program) and are promissory notes that are dependent for payment on payments that the Funding Circle Notes Program receives from business loans originated by an affiliate of the Funding Circle Notes Program.
2 Funding Circle USA, Inc. (
Funding Circle USA) is a leading online marketplace for small business loans. Using cutting-edge technology, established small businesses who want to borrow are matched with investors who want to lend in the US. Funding Circle USA is the parent company of Funding Circle Securities, LLC (
Funding Circle Securities) and the Funding Circle Notes Program, LLC (
FC Notes Program). Funding Circle Securities is a registered broker-dealer with the United States Securities and Exchange Commission (
SEC) and a member of the Financial Industry Regulatory Authority (
3 Businesses listed on the marketplace have been in operation for a minimum of two years (with the exception of franchisee startups with a franchisor guarantee), have generated revenue in each of the last two calendar years and have met Funding Circle USA’s minimum credit criteria.
No communication, through this website or in any other medium, should be construed as a recommendation for any security offering. This website provides general and preliminary information about securities offered through Funding Circle Securities and is intended for initial reference purposes only. It is not a summary or compilation of all applicable information and is not complete. This website does not constitute an offer to sell or buy any securities through Funding Circle Securities. There shall be no offer or sale of any securities without the delivery of confidential offering materials (the
Offering Materials) and related documents. The information contained herein is qualified by and subject to more detailed information contained in applicable offering materials.