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
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
Funding Circle is the "Best Small Business Loan for Low APR" by U.S. News & World Report
U.S. News & World Report, September 2019
Flexible loan terms and repayment options
With loans from $25,000 - $500,000, predictable monthly payments, terms from 6 months to 5 years, and no prepayment penalties, Funding Circle provides a flexible loan tailored to your business.
Don’t have time for a lengthy application process
Apply online in 10 minutes, get a decision in as little as 24 hours after document submission, and receive funds as soon as the next business day.
Support from a dedicated small business loan specialist
After submitting your application, you will be connected to your personal account manager who will work with you to understand your goals, explain your options, and find you the best loan terms for your business.
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.
Submit your initial application in just a few clicks.
Your personal loan specialist is available to help you collect your documentation and answer any questions.
Your underwriter will review your completed application and may call to get to know your business more.
Once you’ve accepted your offer, you’ll typically receive the funds the next business day.
You’ll get a dedicated account manager to guide you through every step.
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.
Learn more about your options for small business loans & financing
We’re invested in helping women-owned businesses get affordable loans from $25K to $500k.Learn more
Discover loan options specifically designed for small businesses owned by minorities.Learn more
Learn why it might be worth consolidating your business debt into a single monthly payment.Learn more
Learn about different business financing options available for small business owners.Learn more
Browse through different types of acquisition loans and examine the pros and cons of each.Learn more
Learn about our short and long term loans - up to $500k with rates as low as 4.99%.Learn more
Funding Circle’s focus on simple products, low prices and a rapid digital process seems to be paying dividends.
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.