Funding Circle

Funding Circle

By: Funding Circle Limited

Funding Circle is an online marketplace lender focused on lending to small businesses. It aims to help businesses struggling to access mainstream sources of finance while providing individual investors with a good return on their money. They use cutting-edge technology to match institutional and accredited investors with small businesses looking for finance to grow their businesses. In addition, they provide each applicant with a dedicated loan specialist to know and understand their financial needs.

From: USA Web Visibility: 56.88%
Top Funding Circle Alternatives
  • Credible
  • Lending Club
  • Avant
  • Mintos
  • Driva
  • Earnest
  • UpStart
  • Zopa
  • OnDeck
  • Fundbox
  • Iwoca
  • Fundation
  • SpringLeaf
  • Peerform
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Top Funding Circle Alternatives and Overview



Credible is the multi-place market lender that allows borrowers to receive competitive loan offers from its vetted partners.

By: Credible Labs Inc. From USA
Based on 14 Votes


Prosper is a marketplace that provides person-to-person lending utilizing a listing and bidding process to get competitive rates for loans.

By: Prosper Funding LLC From USA
Based on 1 Vote

Lending Club

Lending Club is the online credit marketplace, facilitating business loans, personal loans, and financing for elective medical procedures.

By: LendingClub Corporation From USA


Avant is a platform that offers access to personal loans at competitive interest rates with a quick and transparent process that is entirely online.

By: Avant, Inc. From USA


Mintos is a peer-to-peer lending marketplace that connects investors with borrowers of various loan originators.

By: Mintos Marketplace, AS From Latvia


With the hundreds or even thousands of lenders you can find today, it might get harder for you to pick the one that can provide the best rates for your vehicle loan.

By: Driva From Australia


In order to give credit, they evaluate a person’s full education, employment, and financial...

By: Earnest Operations LLC From USA


The platform offers lower interest rates, no prepayment penalty, quick and easy, and secure...

By: Upstart Network, Inc. From USA
Based on 2 Votes


They offer borrowers competitive low rate loans by matching them to our lenders who get...

By: Zopa Limited From UK


The platform uses data aggregation and electronic payment technology to analyze the financial health of...

By: On Deck Capital, Inc. From USA
Based on 1 Vote


For example, if you have outstanding invoices, it will advance 100% of your payment...

By: Fundbox ltd From USA
Based on 3 Votes


That includes restaurants, hotels, retailers, service providers, and mor1e...

By: iwoca Ltd From UK


Their technology streamlines the small business loan application process by collecting third party data...

By: Fundation Group LLC From USA


It offers secured and unsecured personal loans...

By: Springleaf Finance, Inc. From USA


They provide borrowers with a positive experience when obtaining personal loans that are fast, clear...

By: Peerform, Inc. From USA

Funding Circle Review and Overview

The modern financial world requires many investments. With new businesses blooming every moment, the need for these investments also increases. Many great business ideas fall down quickly, all thanks to a lack of investments and investors ceasing their funds.

From such scenarios arose Funding Circle, a P2P lending company. It opens the gate of investment for local public and businesses alike, giving the funded party a chance to grow in the market, and help themselves and their investors.

Ever since the 2007-09 financial crisis, banks were cutting the money lending process. With a hefty discussion in a pub, the founders came up with the idea of Funding Circle. Funding Circle’s idea was already in bloom in the year it was founded, i.e., 2010. Over time, they have arranged for over £8 billion in the form of loans. It even holds great importance in the London Stock Exchange.

Funding Circle’s Small Business Loans

As said earlier, Funding Circle specializes in small business loans. Funding Circle has taken much inspiration from SBA loans in creating its policies. It has included great highlights like once-monthly payments, remove prepay penalties, and many more, combined in a software to ease and fasten this entire process.

There are some typical reasons offered by Funding Circle to borrow from them. Some of these are low interests, boost cash flow, hire new machines, extra cost, and so. They offer faster services and better terms. Under this section, we can buy loans of $25k-$500k at a mere 4.99% interest rate. It takes about 6 minutes to apply online, and it offers 6 months to 5 years for reimbursement.

Funding Circle Investments

Funding Circle offers similar services to the investors as to lenders. They inform the willing investors about the verified businesses seeking loans. Then, Funding Circle fulfills the loans and then process the monthly repayments with interests.

They claim that the net investors on Funding Circle have lent $10.9 billion+ to over 70k small businesses. Their historical annual returns ranges in 5-7%. All of this can be done quickly via their software. Investors can thoroughly check the loanee’s background, their current progress status, and so.


Funding Circle is one of the fastest, secure, and reliable interface for connecting the right investors and loanees. Although the verification standards are high, once done, the entire process of P2P lending becomes very smooth, and Funding Circle aces in it.

Company Information

Company Name: Funding Circle Limited

Company Address: 747 Front St. Floor 4, San Francisco, CA, USA

Founded in: 2011