Provider profile
Funding Circle
UK personal and business finance provider with 3 product lines on WiT Money
3
Products covered
Business loans
Invoice finance
Asset finance
Overview
About Funding Circle
Editorial summary — not an endorsement.
Funding Circle is a UK SME finance platform, providing business loans and related funding options to established companies. Originally a peer-to-peer marketplace, it now focuses on institutional lending to small businesses that need growth, stock or working-capital finance. Applicants typically need solid trading history; pricing can be competitive for stronger SMEs compared with some alternative lenders.
Confirm current FCA permissions for Funding Circle on the Financial Services Register before you apply.
Products offered
What Funding Circle offers
Key product areas we track on WiT Money — rates and availability change.
Business loans
Business Loan
Funding Circle business loans compared on WiT Money.
From 6.9%
Compare in categoryInvoice finance
Invoice Finance
Funding Circle invoice finance compared on WiT Money.
Bespoke pricing
Compare in categoryAsset finance
Asset Finance
Funding Circle asset finance compared on WiT Money.
From Typically 10%+
Compare in categoryAt a glance
Pros and cons
Recorded product facts for Funding Circle. Terms, eligibility and pricing can change.
Pros
- Competitive starting rates for established SMEs
- Wide business funding range
- Fast digital process versus traditional bank paperwork
- Also covers invoice and asset finance pathways on WiT Money
Cons
- Usually requires meaningful trading history (often 12–24+ months)
- Not designed for brand-new startups
- Credit and sector risk still drive pricing
- Some products may need director guarantees
Compare
Comparison links
See how Funding Circle stacks up against other UK providers.
Compare business loans
See Funding Circle alongside other UK business loans providers.
Open comparisonCompare invoice finance
See Funding Circle alongside other UK invoice finance providers.
Open comparisonFAQ
Frequently asked questions about Funding Circle
Ready to compare Funding Circle?
Jump into a live comparison table and shortlist products that match your needs.