Transform Your Business With A Funding Circle Loan

At Funding Circle, our number one priority is small business financing.

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A loan built exclusively for small businesses

We’re 100% focused on small businesses, which is why we made a loan that’s faster, more flexible and made exclusively for you. To date, we’ve helped 81,000 small businesses across the world access over $11.7 billion in financing.

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Loan amounts from

$25K - $500K*

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Funds in as fast as

24 hours

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Apply online in

6 minutes

Our commitment to trust and transparency

We believe small businesses should be protected from unfair, deceptive financial practices – that’s why a thoughtful approach to regulation and compliance is one of our core differentiators.

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Trust

We co-wrote the first standard for a transparent, accountable, and fair small business lending market, The Small Business Borrowers’ Bill of Rights.

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Transparency

We’re founding members of the Marketplace Lending Association (MLA). We actively work to protect borrowers and make the lending space safer and more transparent for all.

Use a Funding Circle loan for the small stuff, the big stuff and everything in-between

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Upgrade your business

Upgrade your business

Tackle your to-do list with one loan for renovations, repairs, new supplies and technology.

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Cover upfront costs

Cover upfront costs

Get the resources you need now, like raw materials, staff, supplies and permits with predictable monthly payments and no prepayment penalties.

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Consolidate business debt

Consolidate business debt

Get control over your finances with our low rates and a single predictable monthly payment.

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Tackle an emergency

Tackle an emergency

Get quick cash to cover the unexpected, cash flow gaps or to replace critical equipment.

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Grow your business

Grow your business

Use our flexible terms and loan amounts to open a new location, buy another business or launch a new product.

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Prep for busy season

Prep for busy season

Get ahead with our simple, fast application for inventory, staff, marketing and even tax expenses.

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Get a loan in four simple steps

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)

    There’s no application fee, impact on your personal credit, or obligation to accept a loan offer.

  2. Speak with us (within 1 hour)

    Your personal account manager will reach out to learn more about your business and find terms that suit your needs.

  3. Get a decision (in as little as 24 hours)

    After you submit a few documents, your underwriter will review your completed application and may call to get to know your business more. We may reach out if we have additional questions.

  4. Get funded (as soon as 1 day)

    Once you’ve accepted our offer, you’ll be fully funded and ready to go as quickly as one business day.

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Applying won’t affect your credit score!3

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, January 2019
reviews

Meet our borrowers

Laurie Ashe
Kate Lester
Bret and Elijah Morey
Willie Powells III
Laurie Ashe
Kate Lester
Bret and Elijah Morey
Willie Powells III

  • Loan Amount

    $50,000

  • Use of Proceeds

    Consolidate Debt

  • Industry

    Hair Salon

Laurie Ashe

Hair Colour Concept

Every step was much quicker than I thought it would be...When I got my offer, I understood why it was what it was. And it was much lower than what I was paying with my credit cards.”

  • Loan Amount

    $100,000

  • Use of Proceeds

    Open a new location

  • Industry

    Interior Design

Kate Lester

Kate Lester Designs

The truth is my time is super valuable, so for me to go to a bank and maybe get one or two points difference wasn’t worth all the back and forth it would have required. Funding Circle just had such a simple process.”

  • Loan Amount

    $50,000

  • Use of Proceeds

    Grow product line

  • Industry

    Food Services

Bret & Elijah Morey

Elijah’s Xtreme Gourment Sauces

Funding Circle has given us the ability to launch 3 new products. In the short time that we’ve had the loan, we’ve been able to take steps that helped us get 2 out of the 3 products in Bass Pro Shops.”

  • Loan Amount

    1st loan: $25,000; 2nd loan: $50,000

  • Use of Proceeds

    Invest in marketing

  • Industry

    Legal services

Willie D. Powells III

The Law Offices of Willie D. Powells III and Associates, PLLC

It was a very simple process. If you go to a bank or other lenders, they want a lot more, but Funding Circle was so simple and streamlined. My Account Manager told me it would take a week to review my application and sure enough they got back to me seven days later, offering me exactly what I asked for.”

  • Loan Amount

    $50,000

  • Use of Proceeds

    Consolidate Debt

  • Industry

    Hair Salon

Laurie Ashe

Hair Colour Concept

Every step was much quicker than I thought it would be...When I got my offer, I understood why it was what it was. And it was much lower than what I was paying with my credit cards.”

  • Loan Amount

    $100,000

  • Use of Proceeds

    Open a new location

  • Industry

    Interior Design

Kate Lester

Kate Lester Designs

The truth is my time is super valuable, so for me to go to a bank and maybe get one or two points difference wasn’t worth all the back and forth it would have required. Funding Circle just had such a simple process.”

  • Loan Amount

    $50,000

  • Use of Proceeds

    Grow product line

  • Industry

    Food Services

Bret & Elijah Morey

Elijah’s Xtreme Gourment Sauces

Funding Circle has given us the ability to launch 3 new products. In the short time that we’ve had the loan, we’ve been able to take steps that helped us get 2 out of the 3 products in Bass Pro Shops.”

  • Loan Amount

    1st loan: $25,000; 2nd loan: $50,000

  • Use of Proceeds

    Invest in marketing

  • Industry

    Legal services

Willie D. Powells III

The Law Offices of Willie D. Powells III and Associates, PLLC

It was a very simple process. If you go to a bank or other lenders, they want a lot more, but Funding Circle was so simple and streamlined. My Account Manager told me it would take a week to review my application and sure enough they got back to me seven days later, offering me exactly what I asked for.”

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Eligibility

Learn more about the types of businesses that we fund.

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Time is money. Money is money. We save you both.

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1 Savings on “Cost of loan” refers to interest and fees associated with a first time borrower. For the purposes of this calculation, “other lenders” leverages data obtained from the public websites of Kabbage and OnDeck. “One document” refers to incremental financial documents required by Funding Circle compared to OnDeck. Analysis based on rates, fees, and requirements available as of October 15, 2019 and may differ from today.

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

* Funding Circle may partner with other lenders to provide a full range of loan options to qualified borrowers.