An easy alternative to SBA loans.

Get your personalized rate Viola Davis of Maika Goods

Funding Circle offers the best parts of an SBA loan, but we make it faster and more flexible. Our SBA loan alternative was designed for small businesses who don’t want to go through the hassle of applying for an SBA loan or who simply don’t meet the the strict qualifying criteria. With low interest rates, SBA loans can be an attractive product for businesses. But they also come with with strict requirements and a cumbersome application process. We offer a faster and easier option — apply online in 10 minutes and get a decision in as little as 24 hours. We offer:

  • Access to funding in as few as 10 days
  • Fixed monthly payments
  • Transparent rates and a simple, one-time origination fee
  • Best in class service with dedicated loan specialists
Funding Circle can help you with business financing for your business Click on Apply Now to check your eligibility

What we offer

Rates starting at 4.99%1
Loans from $25K-$500K over 6 months-5 years
A decision in as little as 24 hours after document submission

We've done the legwork to find the investors who want to invest in your business so you can:

Move or expand your space

Move or expand your space

Give your business room to grow with a bigger office, new location, or more warehouse space.
Refinance debt

Refinance debt

Convert high-interest debt into one monthly payment, with no prepayment penalties.

Buy inventory or equipment

Invest in new equipment and fulfill every order through bulk inventory purchases.
Hire more employees

Hire more employees

Take your business to the next level by expanding your team and adding new skill sets.
Move or expand your space

Move or expand your space

Refinance debt

Refinance debt

Buy inventory or equipment

Buy inventory or equipment

Hire more employees

Hire more employees

Our quick and easy application

Small Business Loan Eligibility

Apply online

In under 10 minutes

Submit your initial application in just a few clicks.

Small Business Loan Support

Hear from us

Within 1 hour

Your personal account manager is available to help you collect your documentation and answer any questions.

Small Business Loan Decision

Get a decision

in as little as 24 hours

Your underwriter will review your completed application and may call to get to know your business more.

Small Business Loan Funded

You get funded

In as few as 5 days

Once you’ve accepted your offer, you’ll receive the funds within days.

Success Story

"Funding Circle is a unique and exceptional solution for small businesses. Their fast and easy process was a big advantage for my retail business."

Pictured: Eyal Levy of Yogibo
Loan Details
$10,000/mo for 36 months

We do what SBA lenders can't.

Unlike banks and other traditional lenders, we believe you are more than just a credit score. That’s why we look at your complete business profile to gauge financial and operational stability. We also offer competitive rates, exceptional service, convenient terms - and the process is faster and easier.

Why Funding Circle

Our U.S. co-founders started Funding Circle because they were small business owners themselves and had experienced first-hand how hard it is to access affordable and transparent financing. When they couldn’t get a loan to grow their small business — despite the company’s great success — they knew something was wrong. The traditional bank loan system was broken. So, they set out to build a better solution for American small business owners.

A cut above the rest

If you need business funding, this is your place. They were a lifesaver!


No hassle, speedy, great rates and excellent customer service. Definitely recommend!
- Debbie


Thanks to the Funding Circle team for the support. The loan application process was simple to follow and processed quickly. They stepped in to support my business when the banks were useless.
- David

based on reviews

Frequently Asked Questions

What is an SBA loan?
How does an SBA loan differ from a Funding Circle term loan?
How long does it take to apply for alternative SBA financing through Funding Circle?
Why should I borrow from Funding Circle as opposed to a bank or other lender?
What will my rate be?
Is there a prepayment penalty?
Is there a daily repayment?

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Have any questions?

Account Manager

Give us a call!

(855) 385-5356

Our dedicated loan specialists are here to help you.

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1 Rates may vary according to term and overall creditworthiness. To see what rate your business may qualify for, apply today at no obligation.