Fast, affordable small business loans

Get a small business loan decision at no cost and no obligation.

Get your personalized rate

Applying won’t affect your credit score!2

Financing to fuel your business

We help established businesses with small business loans tailored to their needs.

We’ve taken the best parts of an SBA loan, like affordable once-monthly payments and no prepayment penalties, and paired it with our proprietary underwriting technology - creating a loan experience that’s faster, more flexible and made exclusively for small businesses.

With competitive small business loan interest rates and easy access to financing, businesses can continue to grow, create new jobs, and support their communities.

Popular Reasons for borrowing

  • Boost your cash flow
  • Refurbish your premises
  • Buy new equipment
  • Grow your business
  • Cover a one-off cost
  • Hire extra staff
80% of our borrowers

selected Funding Circle because we offered a better rate, speed or terms than other options.

Based on a survey of US Funding Circle borrowers.3

Best lender for low APR

Funding Circle is the "Best Small Business Loan for Low APR" by U.S. News & World Report

U.S. News & World Report, September 2019

Why small businesses choose Funding Circle

Philosophie Group expanded into a bigger office to accommodate their growing team with their $300,000 loan.

How to get a business loan

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)

    Submit your initial application in just a few clicks.

  2. Hear from us (within 1 hour)

    Your personal loan specialist is available to help you collect your documentation and answer any questions.

  3. 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.

  4. You get funded (as soon as 1 day)

    Once you’ve accepted your offer, you’ll typically receive the funds the next business day.

Get your personalized rate
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!

It is rare to come across this kind of service, commitment, and professionalism in the workplace. I am very pleased with having done business with Funding Circle.
Manish, February 2016

Fixed, affordable monthly payments

We believe you deserve to know the true cost of your loan, so our fee structure is simple. Unlike many other lenders, we provide a consistent, predictable monthly repayment schedule, so there are no surprises or heavier repayments up front. We charge a one-time origination fee, presented before you decide to take the loan.

You can choose to borrow over 6 months to 5 years, and there’s no prepayment penalties. If you pay off your loan early, you will only pay interest on the time you borrowed.

Dr. Celina Hatt borrowed $80,000 to open a second veterinary center.

See how affordable your monthly payments could be

Related resources

Learn more about your options for small business loans & financing

Small business loans for women

We’re invested in helping women-owned businesses get affordable loans from $25K to $500k.

Learn more

Minority business loans

Discover loan options specifically designed for small businesses owned by minorities.

Learn more

Consolidating business debt

Learn why it might be worth consolidating your business debt into a single monthly payment.

Learn more

Business financing

Learn about different business financing options available for small business owners.

Learn more

Business acquisition loans

Browse through different types of acquisition loans and examine the pros and cons of each.

Learn more

Small business term loans

Learn about our short and long term loans - up to $500k with rates as low as 4.99%.

Learn more
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Funding Circle’s focus on simple products, low prices and a rapid digital process seems to be paying dividends.
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We’re here to help

Questions? Get in touch with our support team.

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

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

3 Based on an online survey of US Funding Circle borrowers. A total of 216 business owners completed the survey between October 10 - 30, 2017.

Apply now