Invest in American small business

Diversify your fixed-income portfolio with secured business term loans

Access secured small business loans

Browse term loans underwritten by credit professionals using proprietary data analytics

Select loans that suit you

View key loan data and select Notes1 that meet your investment criteria

Start investing

Minimum investment size: $250,000

I needed to find a lender that actually believed in my ability to be a fruitful entrepreneur… now business is booming.
Pictured: Dr. Celina Hatt, Funding Circle USA2 borrower

Investments that power Main Street

Invest in American small businesses (not startups) that have established operating history, cash flow and a strategic plan for growth3. All the Notes offered by Funding Circle Notes Program, LLC 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 rates from 4.99% to 27.79%.

How to invest

  1. Open an account

    Open an account online here or contact our investor services team to learn more

  2. Build a portfolio

    Explore the marketplace, analyze loan data and build a diversified portfolio

  3. Monitor performance

    Track the scheduled monthly principle and interest payments online

Investing for retirement? We can provide traditional or Roth IRA account investment opportunities.

Start investing

Investing on the marketplace

Select businesses yourself or enroll in automated investing


Browse and select Notes

Login to view listed businesses, access loan data and purchase Notes via the online marketplace

Enroll in automated investing

Set your desired investment criteria and automatically build your portfolio

3 baskets with eggs in them to symbolize diversifaction

Diversify to manage risk

The underwriting team for Funding Circle USA3 analyzes every application and only allows established and creditworthy businesses to borrow through the platform. 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.

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Investment risks

Securities offered by Funding Circle Notes Program, LLC 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 Notes Program, LLC 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.

Securities offered by Funding Circle Notes Program, LLC (FC Notes Program) are only deemed suitable 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. These securities are not publicly traded and may be subject to holding period requirements. Investing in private placements offered by FC Notes Program 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.

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 by FC Notes Program 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 by FC Notes Program. There shall be no offer or sale of any securities without the delivery of confidential offering materials and related documents. The information contained herein is qualified by and subject to more detailed information contained in applicable offering materials.

1 Notes are issued by FC Notes Program and are promissory notes that are dependent for payment on payments that the FC Notes Program receives from business loans originated by an affiliate of the FC 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 Notes Program, LLC (FC Notes Program).

3 Businesses listed on the marketplace have been in operation for a minimum of two years, have generated revenue in each of the last two calendar years and have met Funding Circle USA’s minimum credit criteria.