Why Funding Circle?

Updated: August 15th, 2019

Why Funding Circle?

Funding Circle was created with a big idea: to revolutionize the outdated banking system and secure a better deal for everyone.

Our U.S. co-founders started Funding Circle because they were small business owners themselves and had experienced first-hand how difficult it can be to access affordable and transparent financing. So they set out to build a better solution for American small business owners.

Using technology, we’ve taken the best parts of an SBA loan — like fixed and affordable once-monthly payments and no prepayment penalties — and created something faster and more flexible for businesses. The era of slow-moving traditional banks and prohibitively expensive shorter-term financing with hidden fees is over.

What sets us apart

We’re different from other lenders because we’re passionately — and exclusively — committed to building a better financial world for businesses like yours.

Every day thousands of successful business owners struggle to get loans to grow their businesses, battling endless streams of paperwork and unreasonable lending terms. We believe small businesses deserve better — businesses shouldn’t have to scramble to access affordable financing that is critical to growth. Here’s how we stack up against other options:

Our transparent rates and fees

You deserve to know how much a loan will cost you. Some lenders might not have your best interests at heart, but we promise to be upfront and honest about what we charge.

See the true cost of your loan. Use our loan calculator to see how much you could pay depending on how much you borrow and how long you borrow it for.

If you’re looking for an injection of cash to jump-start your business, here are five key questions to ask any potential lender to ensure you get a fair deal.

But don’t just take our word for it

We’re proud to have an A+ rating from the Better Business Bureau. Here are just a few of the small businesses we’ve been able to help:

Additional reading

Want to learn more? Check out our Resource Center for tons of helpful information about financing and running your small business. Here are some of our top articles:


We’re always happy to answer any questions and walk you through our product and application. Reach out to (855) 385-5356 or support@fundingcircle.com for more information, obligation-free.

Ready to apply? Start your free application now.

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