Funding Circle Business Loans

APR: 8.4% Representative
Loan amount: £5,000 - £1,000,000
Repayment duration: 6 - 60 Months
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Funding Circle Business Loans customer reviews

4.7 out of 5 from 3863 reviews

Incredibly easy and profressional

13:33 18-06-2012

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A remarkable service, friendly professional. Finance in two weeks at a fantastic rate. Need 6 months between loans


Edge over Zopa

11:13 04-11-2010

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My favourite feature is the ability to sell your loans, should you want access to your money. This to me gives it the edge over ZOPA. You can also purchase loans, but this option does not include cash-back. Due to the risks, this should be seen as equivalent to an investment, and certainly NOT an alternative to a savings account.


I gave them a try

11:12 04-11-2010

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Don't use the autobid funtion unless you really need to. It's better to keep control yourself and bid manually. A lot of people wait until the last few minutes before putting bid offers in. I get in early and offer a percentage I'd be happy with. (Don't be tempted to go too low just to get your money lent out) Spread your money across a variety of loans to reduce the risk. Finally, be prepared to lose some of your money. This is a very new idea so has a high risk associated with it. Now the good news! I'm currently lending at rates from 7.9% to 11%. My average lending rate is 9.4% A couple of my loans are for 12 months, the rest are 36 mo


Our review of Funding Circle Business Loans

Our review by Mark
Written by: Mark
Consumer sentiment



  • If approved you can typically get access to the funds within 1 week
  • No early repayment fee
  • Simple application process

Minimum criteria

  • Your business must be based in the UK (excluding the Channel Islands and Isle of Man)
  • Your business must have a valid UK bank account/building society
  • Your business must have 2 years filed accounts


  • Maximum APR 8.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Funding Circle Business Loans

Funding Circle is a business loan provider, lending to small businesses looking for loans ranging from £5,000 up to £1million. 

You can take out a loan between 6 months and 5 years for a number of purposes. You can fill out their online application form for a personalised quote that won't affect your credit rating. 

They offer both Secured and Unsecured loans.

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