Invest through Funding Circle Securities
Funding Circle Securities is the affiliated broker–dealer of Funding Circle USA, an online small business loan marketplace. By avoiding the costs and complexities of many traditional financial institutions, Funding Circle USA provides accredited and institutional investors the opportunity to invest in American small businesses.
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 Notes2 that meet your investment criteria
“Funding Circle, by far, impressed me more than any other lender I spoke to. They were immediately responsive and the process was so streamlined — it was a great experience.”
Pictured: Peter Koshland of Koshland Pharm
2014 Funding Circle USA borrower
How to invest
Open an account
Open an account online here or contact our investor services team to learn more
Build a portfolio
Explore the marketplace, analyze loan data and build a diversified portfolio
Track scheduled monthly principal and interest payments online
To learn more download our Getting Started Guide for Investors
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
Investing for retirement? We provide traditional or Roth IRA investment opportunities.Start investing
Diversify to manage risk
Our underwriting team analyzes every application and only allows established and creditworthy businesses to borrow through Funding Circle USA.3 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 suitable for accredited investors who are familiar with and willing to accept the high risk associated with private investments. Investing in private placements requires 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.
Questions? We’re here to help!
Download our Getting
Started Guide for Investors
Note: At this time, Funding Circle USA only works with accredited individual and institutional investors.
For more information and to see if you are an accredited investor, click here.
Check the background of this firm on FINRA’s BrokerCheck.
- “Funding Circle” as used herein shall individually and collectively refer to Funding Circle USA, Inc., Funding Circle Ltd. and each of their respective subsidiaries. “Funding Circle USA” as used herein shall individually and collectively refer to Funding Circle USA, Inc. and its subsidiaries.
- “Notes” are issued by Funding Circle Notes Program, LLC (“Funding Circle Notes Program”) and are promissory notes that are dependent for payment on payments that Funding Circle Notes Program receives on business loans originated by an affiliate of Funding Circle Notes Program.
- 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.
Funding Circle Securities, LLC (“Funding Circle Securities”), member FINRA/SIPC, is owned and operated by Funding Circle USA, Inc. All securities related activities are conducted through Funding Circle Securities. Funding Circle Securities only oﬀers investment products and securities of its aﬃliates, and such products and securities are not publicly traded and may be subject to holding period requirements. Securities oﬀered through Funding Circle Securities are only suitable for Accredited Investors, as defined by Rule 501 of the Securities Act of 1933, who are familiar with and willing to accept the high risk associated with private investments. Investing in private placements requires 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 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 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. This information contained herein is qualified by and subject to more detailed information in the Offering Materials.