Funding Circle

Funding Circle

Funding Circle offers fast, affordable small business finance, including loans up to £750k, FlexiPay, and business credit cards, with decisions in as little as 1 hour.

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About Funding Circle

Funding Circle, established in 2010, stands as the UK's leading online platform for small business finance. Their unwavering commitment is to support and empower small and medium-sized enterprises (SMEs) by providing accessible and efficient funding solutions. Listed on the London Stock Exchange, Funding Circle has facilitated over £16 billion in loans to more than 110,000 UK businesses, demonstrating their significant impact on the national economy and their dedication to fostering business growth.

Funding Circle's Business Finance Solutions

Funding Circle offers a diverse portfolio of finance products tailored to the varied needs of modern businesses. Their primary offering includes flexible small business loans, allowing companies to borrow up to £750,000 for everything from expansion projects to working capital management. Additionally, they provide FlexiPay, a dynamic line of credit designed for short-term cash flow needs, and a rewarding cashback business credit card. For specific capital expenditures, their network of specialist partners can arrange asset finance for equipment and machinery.

Why Choose Funding Circle for Your Business?

Choosing Funding Circle means opting for speed, convenience, and a partner that understands the challenges and ambitions of small businesses. Their application process is streamlined, often taking just 7 minutes, and you can receive a finance decision in as little as 1 hour. Crucially, obtaining a personalised quote will not impact your credit score. This blend of efficiency, comprehensive product offerings, and a strong track record makes Funding Circle an ideal choice for businesses seeking reliable and timely financial backing.

Funding Circle was founded in 2010, with Online only locations.

Company Information

Founded

2010

Number of Stores

Online only

Payment Methods
Bank Transfer
Direct Debit
Sustainability

Littlelife is committed to environmental responsibility, with many of their popular products, including toddler backpacks, now being made from recycled fabrics.

Frequently Asked Questions

What types of finance does Funding Circle offer?

Funding Circle offers small business loans up to £750k, FlexiPay (a flexible line of credit), a cashback business credit card, and asset finance through specialist partners.

How quickly can I get a decision on finance?

You can get a finance decision in as little as 1 hour after applying through Funding Circle's online platform.

Will applying for a quote affect my credit score?

No, getting a personalised quote from Funding Circle will not affect your credit score.

What is FlexiPay?

FlexiPay is a flexible line of credit offered by Funding Circle, designed to help businesses manage short-term cash flow with repayment options over 1, 3, 6, 9, or 12 months.

How much can I borrow with Funding Circle?

Businesses can borrow up to £750,000 through Funding Circle's small business loan products.

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Funding Circle Quick Facts

Standard DeliveryContact retailer for details
Free DeliveryNot available
Click & CollectNot available
Returns PolicyContact retailer
Student DiscountNot available
NHS DiscountNot available
Military DiscountNot available
International ShippingNot available
Payment MethodsBank Transfer, Direct Debit
Founded2010

Last verified: February 2026