Funding Circle

5514 reviews

8.4% Representative

Will lend between: £5,000 - £1,000,000

Over: 6 - 60 Months

Are you eligible for Funding Circle?

Check your eligibility before you apply.

  • Quick 40 second form.
  • No impact on your credit file.
  • Free personalised eligibility score.
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Funding Circle customer reviews.

5514 reviews

4.6 out of 5 stars

Incredibly easy and profressional
13:33 18-06-2012
ImageChoose Wisely

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
ImageChoose Wisely

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
ImageChoose Wisely

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



  • 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

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.

Company information

Registration number: 06968588

020 7401 9111

Royal Bank Of Canada Centre 71 Queen Victoria Street London EC4V 4AY

FCA registration

Trading names: Funding Circle

Place of business: Royal Bank Of Canada Centre 71 Queen Victoria Street London EC4V 4AY

Data protection registration

Registration No: Z2133885

Data controller: Funding Circle Ltd

Address: Royal Bank Of Canada Centre 71 Queen Victoria Street London EC4V 4AY

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