You define your goals, we'll help you fund them.
Affordable business loans between $25,000 and $500,000 in as fast as 2 business days.1
No impact to your credit score when you apply.
What we offer
If you need to invest in equipment or inventory, consolidate debt, grow your business, or pay business expenses, Funding Circle has the right loan for you.
Why choose us
There’s funding and then there’s Funding Circle.
Learn why we were named the best online lender for small businesses.
Affordable payments
Lower rates, bigger loans, and longer terms add up to cost-effective monthly payments with no pre-payment fees.
Funding at light speed
Say goodbye to complex forms and long waits and say hello to funding in as soon as 2 business days.1
No impact to your credit score
Whatever your credit is, apply without any risk of it changing.
Predictable cashflow
Transparent monthly payments and a fixed interest rate mean you can plan on consistent payments each month.
How We Help
Real customers. Real impact.
Invest in Marketing
“It was a very simple process. I feel blessed that I decided to call Funding Circle.”
Purchase Inventory
“By buying inventory before prices increased, we estimate that loan from Funding Circle saved us $20,000 – $30,000 … even with the interest we paid on the loan.”
Working Capital
“I recommend Funding Circle because they really get small business. The whole process is a lot smoother, faster, and more personalized than what you’d get from a bank.”
Who We Are
$0+
funded
More than 143,000 loans
We’ve helped small businesses in the US and UK by funding 143,000+ loans.
90%+ referral rate
Over 90% of US borrowers say they’d refer us to a friend.
24%+ business growth
US borrowers who grew were up an average of 24%+ after getting their loan.
Funding Circle was awarded for leading the financial technology sector in small business lending.
Based on year-end results, 2023 and Funding Circle Borrower Study, January 2024.
FAQs
Questions? Answers.
If you’ve got questions, we can help.
Call in and talk to a US-based, real person on our customer service team.
1 (855) 385-5356 | M-F / 7am - 4pm PST
The minimum qualifications for a loan through Funding Circle are:
- 2+ years in business
- At least one business owner must have a personal Experian FICO® credit score of 660+
- Annual revenue of $50,000+
- No personal bankruptcies among business owners within the last seven years
- Funding Circle has funded 700+ industries, however, select industries are not eligible including but not limited to: speculative real estate, nonprofit organizations, weapons manufacturers, gambling businesses, marijuana dispensaries, and pornography
When you apply, Funding Circle will not conduct a hard credit check, so your personal credit score will not be affected. Instead, we conduct soft credit inquiries on both the business and the owner(s) to underwrite or to service your loan, and we only conduct these after you’ve agreed to these inquiries during the application process. These soft inquiries will not impact your business or personal credit score or show up on future reports obtained by other lenders.
Once you fill out the quick, 6-minute online application, you will be asked to submit 6 months of your most recent business bank statements and 1-2 years of tax returns. Our process integrates with Plaid, so you may be able to automatically provide your bank statements in just a few clicks.
In certain situations, in order to provide you with additional funding options, we share your information with third-party lenders as further described in our privacy policy. Additionally, once your business is funded, we file a UCC-1 financing statement — a searchable record — on your business assets. Our name on these filings is masked for additional security.
Like many lenders, Funding Circle charges a one-time origination fee that is based on the strength of your credit profile and ranges from 4.49% to 10.49%. There are never any upfront fees to apply. One of the key benefits of a Funding Circle loan is no prepayment penalties. This means, if you pay off your loan early, you will not pay any additional fees.
Also, if your monthly payment is more than 10 days late, we may charge a late fee of up to 5% of each missed payment amount. The late fee will be payable immediately and is in addition to your missed payment.
Still have questions?
