Funding Circle

Funding Circle is a British financial technology company and the UK's leading SME finance platform, providing small and medium-sized businesses with loans and other financial products through an online institutional lending platform. Founded in 2010 in the aftermath of the Global Financial Crisis, the company was established to give small businesses access to funding at a time when traditional banks were failing to provide it. It has since grown from peer-to-peer lending roots into a sophisticated institutional lending business and is listed on the London Stock Exchange.

The company has facilitated over £15 billion in loans to more than 130,000 businesses and employs approximately 800 people, with operations in the United Kingdom. Its product range spans fast business loans of £10,000 to £750,000, with decisions in as little as one hour and funds typically deposited within 48 hours; FlexiPay, a flexible line of credit repayable over 1 to 12 months; a cashback business credit card offering up to 2% cashback; government-backed Growth Guarantee Scheme loans; and asset finance delivered through specialist partner networks.

Its technical work covers credit decisioning and underwriting technology, digital payments and wallet integrations, and the institutional lending infrastructure underpinning its platform, operating at the intersection of financial services and technology. Alongside its regulated lending activities in areas such as business lending, payments, credit cards and asset finance, the company maintains a public profile that includes sponsorship of Premiership Rugby.