LENDING AS A SERVICE

Become the solution that small business owners are looking for


Tap into the latest online lending technology to offer small business funding solutions at scale. Through our Lending as a Service (LaaS) program, banks, credit unions, and CDFIs can partner with Funding Circle to deliver their own full-service lending experience without buying or building their own SMB digital lending platform.

Lending As A Service

Funding Circle LaaS Graph
  • Build and scale your SMB Lending with zero upfront cost
    Offer customers a fully-integrated, digital experience across credit, technology, and operations without the cost-prohibitive upfront investment or resources required to build or buy your own solution.

  • Reduce losses by 4.5x with rigorous risk and compliance
    Leverage Funding Circle's decade of SMB credit expertise and bank-level compliance to reduce losses by 4.5x compared to more simple FICO-driven underwriting.*

  • Reduce the cost and complexity of small business lending
    Our unique underwriting technology enables rapid decision-making so that you can fund more borrowers, in significantly less time, while still maintaining credit quality. Issue approvals in a matter of hours, with access to funds in as little as 2 days.



    * According to data collected through a Funding Circle Internal Study


Cutting-edge technology meets a customer-first approach

Join us, a global leader in the fintech lending marketplace, to help build and scale your own small business lending program. With Lending as a Service, small business customers can work directly with their financial institutions to access fast and affordable lending solutions — without the hassle.

By leveraging our experienced credit modeling, loan operations and machine learning technology, partners can deliver bank-like loans up to $500k, at a lower cost and with a superior customer experience.

LaaS Computer

Funding Circle LaaS Bar Graph
Credit
Credit

Our efficient underwriting model combines machine learning risk models to predict future loan performance more accurately than conventional credit scoring, and has allowed us to establish a 10-year credit model performance delivering attractive returns.



Technology
Technology

LaaS is bolstered by our online application and tech-enabled journey, including third-party APIs, digital ID verification and more --- providing a seamless, co-branded application for business owners at scale and allowing partners to increase their reach and expand customer wallet share.



Operations
Operations

Our customizable, partner-oriented approach includes personal sales representatives to support borrowers, human underwriting for larger and more complex SMB deals, and efficient processing and loan origination, as well as end-to-end servicing, collections and recoveries.


CUSTOMIZABLE FINANCING SOLUTIONS

Tailored solutions to meet the evolving needs of your small business customers

According to a recent Funding Circle survey, 7 in 10 (72%) business owners said they'd likely need financing in the upcoming year. That's where Lending as a Service comes in — making it easy for partners to set up and customize their small business lending journey for customers across the United States. By tapping into our best-in-class small business origination and loan servicing platform, offer borrowers a hassle-free funding solution that they can access directly through their existing banking environment.

LaaS Computer

Faster Access to Capital

Through Lending as a Service, partners can provide small businesses with access to capital
more quickly than with traditional lending methods.

LaaS Clipboard6 Minutes

Our easy online application takes just minutes to complete and requires minimal documentation.

LaaS Calendar1 Day

Some borrowers may receive a decision as soon as 1 day after submitting their application.

LaaS Clock48 Hours

Once approved borrowers accept their offer, they could have funds in as little as 48 hours.


Our Products

Browse best-in-class lending solutions offered through Funding Circle and our network of
lending partners, to select relevant products based on your small business customers' needs.

TERM
LOAN

Long terms, low monthly payments

  • Approval as fast as 24 hours
  • Receive funds in as few as 2 days
  • Flexible loans up to $500K with fixed rates
  • Term lengths from 6 months to 7 years
  • No prepayment penalties
SBA
7(a)

Great rates, government backed

  • Borrow anywhere from $75K to $5M
  • Term lengths up to 7 years
  • Funds delivered up to 3x faster than the industry average
  • Rates as low as 6%
LINE OF
CREDIT

Flexible funds on demand

  • Credit lines up to $150,000
  • Same-day funding
  • Available credit replenishes with
  • each payment
  • Only pay interest on the funds you use

What others say

Christopher Johnson
Sr VP & President, Pitney Bowes Financial Services

Our partnership with Funding Circle has accelerated our ability to serve the needs of our small business clients.

Francisco Lopez
DreamSpring Chief Operations and Impact Officer

Engaging in Funding Circle's 'lending-as-a-service' platform is an important strategy for more effectively and efficiently serving clients within our market segments, thereby increasing our overall impact as a Community Development Financial Institution (CDFI). Through our partnership with Funding Circle, DreamSpring has enhanced our lending capacity and client volume, while providing a quick and seamless loan process for clients. That's a win-win.


Pitney Bowes
DreamSpring

Lending to small businesses since 2010


Global
>$20.2B lent | 180K loans | 130K businesses

In the US
>$4.1B lent | 49K loans | 40K businesses




Get in Touch!

Reach out to learn more about Funding Circle and Lending as a Service

Contact Us