Funding Circle is a British fintech company founded in 2010 that provides online lending and finance products to small and medium-sized enterprises. Listed on the London Stock Exchange, it operates the UK's leading SME finance platform and has facilitated over £15 billion in loans to more than 130,000 businesses.
The company offers a range of products tailored to business needs: business loans ranging from £10,000 to £750,000, FlexiPay (a flexible line of credit with 1–12 month repayment terms), a business credit card with up to 2% cashback, government-backed loans under the Growth Guarantee Scheme, and asset finance through specialist partners. The platform emphasises speed, with lending decisions made in as little as one hour and funds typically deposited within 48 hours.
Funding Circle operates with approximately 800 employees and positions itself as an alternative to traditional banking for SME finance. Beyond core lending, the company has expanded into a broader payments ecosystem with digital wallet integrations, reflecting its evolution from peer-to-peer lending origins into institutional lending and business banking services.