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WE VALUE YOUR PRIVACY

We and our partners store and/or access information on a device, such as cookies
and process personal data, such as unique identifiers and standard information
sent by a device for personalised ads and content, ad and content measurement,
and audience insights, as well as to develop and improve products. With your
permission we and our partners may use precise geolocation data and
identification through device scanning. You may click to consent to our and our
44 partners’ processing as described above. Alternatively you may access more
detailed information and change your preferences before consenting or to refuse
consenting. Please note that some processing of your personal data may not
require your consent, but you have a right to object to such processing. Your
preferences will apply to this website only. You can change your preferences at
any time by returning to this site or visit our privacy policy.
MORE OPTIONSAGREE
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 * Business Loans
   Business Loans
   
    * Business Loans
      
      Borrow £10,000 to £500,000 with an affordable small business loan
   
    * Recovery Loan Scheme
      
      Borrow up to £250,000 through the Government-backed Recovery Loan Scheme
   
    * How To Get a Business Loan
      
      Find out how to get a business loan with our step-by-step guide
   
    * Business Loan Calculator
      
      Find out how much you can borrow with our small business loan calculator
   
    * Unsecured Business Loans
      
      Borrow without having to use your business assets as collateral
   
   LOANS DESIGNED TO SUIT YOUR BUSINESS
   
   Achieve your goals with a fast, affordable business loan or a
   Government-backed Recovery loan. Apply in 10 minutes and we'll find the best
   option for you
   
   Explore business loans
   Back to top
 * FlexiPay
   FlexiPay
   
    * FlexiPay from Funding Circle
      
      Get a flexible, interest-free line of credit of £1,000 to £250,000
   
    * FlexiPay Business Credit Card
      
      Pay expenses big and small and repay over 3 months
   
   FLEXIPAY – AN INTEREST-FREE LINE OF CREDIT
   
   Pay bills or expenses by card or transfer directly to a supplier, then repay
   in monthly instalments
   
   Explore FlexiPay
   Back to top
 * Asset Finance
   Asset Finance
   
    * Asset Finance
      
      Get funding for almost any asset, or borrow against existing assets to
      gain working capital
   
    * Vehicle Finance
      
      Flexible finance for commercial vehicles, business fleets, cars and vans
   
    * Agricultural Finance
      
      Fund almost any farm asset, including tractors, harvesters, seeders and
      bailers
   
    * Equipment Finance
      
      Competitive rates on industrial machinery, forklifts, computers and
      shopfittings
   
   ASSET FINANCE
   
   We work with a panel of trusted partners that can fund a wide range of
   business assets, with finance to suit different needs.
   
   Explore Asset Finance
   Back to top
 * About Us
   About Us
   
    * Why Funding Circle?
      
      We’ve been 100% focused on SME lending since 2010, helping thousands of
      businesses reach their goals
   
    * Tips & Guides
      
      Go further with our videos, guides, news and more
   
    * Contact Us
      
      Get in touch with our team with any questions
   
    * Careers
      
      Find our latest vacancies and discover why Funding Circle is a great place
      to work
   
    * Diversity & Inclusion
      
      Discover how diversity and inclusion drive innovation at Funding Circle,
      and sit at the heart of our culture
   
   BACKING BIG PLAYERS AND SMALL BUSINESSES
   
   Funding Circle are proudly sponsoring Premiership Rugby. Like rugby, running
   a business takes hard work – and whatever you’re facing, we’ve got your back.
   
   Visit our Rugby hub
   Back to top

Sign inApply now
 * Business Loans
   Business Loans
   
    * Business Loans
      
      Borrow £10,000 to £500,000 with an affordable small business loan
   
    * Recovery Loan Scheme
      
      Borrow up to £250,000 through the Government-backed Recovery Loan Scheme
   
    * How To Get a Business Loan
      
      Find out how to get a business loan with our step-by-step guide
   
    * Business Loan Calculator
      
      Find out how much you can borrow with our small business loan calculator
   
    * Unsecured Business Loans
      
      Borrow without having to use your business assets as collateral
   
   LOANS DESIGNED TO SUIT YOUR BUSINESS
   
   Achieve your goals with a fast, affordable business loan or a
   Government-backed Recovery loan. Apply in 10 minutes and we'll find the best
   option for you
   
   Explore business loans
   Back to top
 * FlexiPay
   FlexiPay
   
    * FlexiPay from Funding Circle
      
      Get a flexible, interest-free line of credit of £1,000 to £250,000
   
    * FlexiPay Business Credit Card
      
      Pay expenses big and small and repay over 3 months
   
   FLEXIPAY – AN INTEREST-FREE LINE OF CREDIT
   
   Pay bills or expenses by card or transfer directly to a supplier, then repay
   in monthly instalments
   
   Explore FlexiPay
   Back to top
 * Asset Finance
   Asset Finance
   
    * Asset Finance
      
      Get funding for almost any asset, or borrow against existing assets to
      gain working capital
   
    * Vehicle Finance
      
      Flexible finance for commercial vehicles, business fleets, cars and vans
   
    * Agricultural Finance
      
      Fund almost any farm asset, including tractors, harvesters, seeders and
      bailers
   
    * Equipment Finance
      
      Competitive rates on industrial machinery, forklifts, computers and
      shopfittings
   
   ASSET FINANCE
   
   We work with a panel of trusted partners that can fund a wide range of
   business assets, with finance to suit different needs.
   
   Explore Asset Finance
   Back to top
 * About Us
   About Us
   
    * Why Funding Circle?
      
      We’ve been 100% focused on SME lending since 2010, helping thousands of
      businesses reach their goals
   
    * Tips & Guides
      
      Go further with our videos, guides, news and more
   
    * Contact Us
      
      Get in touch with our team with any questions
   
    * Careers
      
      Find our latest vacancies and discover why Funding Circle is a great place
      to work
   
    * Diversity & Inclusion
      
      Discover how diversity and inclusion drive innovation at Funding Circle,
      and sit at the heart of our culture
   
   BACKING BIG PLAYERS AND SMALL BUSINESSES
   
   Funding Circle are proudly sponsoring Premiership Rugby. Like rugby, running
   a business takes hard work – and whatever you’re facing, we’ve got your back.
   
   Visit our Rugby hub
   Back to top
 * Apply now


SIMPLE, HASSLE-FREE BUSINESS FINANCE

Whether you're funding exciting opportunities, buying stock or managing cash
flow, our specialist finance can take you further

Get started

Apply as a limited company without affecting your credit score

Excellent


14,635 reviews

 * Short & long term finance

 * Apply online in 10 minutes

 * Get a quick decision

 * UK-based support team

 * Fixed interest rates

Proud sponsors of Premiership Rugby. Find out how we’re backing businesses like
England Captain Jamie George’s to succeed in our rugby hub.


EXPLORE OUR DIFFERENT FINANCE PRODUCTS

Our products are designed to fit the needs of business owners, and come with
decisions in as little as 1 hour

Business Loan

FAST, AFFORDABLE LOANS

for almost any business need

Apply for a business loanLearn more about business loans

Amount

£10,000 to £500,000

Product

Term loan up to 6 years

Interest

From 6.9% per year

Fees

One-off completion fee

Line of credit

SPREAD BUSINESS COSTS OVER 3 MONTHS

and manage short term cash flow

Apply for FlexiPayLearn more about FlexiPay

Amount

£1,000 to £250,000

Product

Revolving credit facility

Interest

0%

Fees

From 3.9% on each use

Recovery Loan Scheme (RLS)

GOVERNMENT-BACKED LOANS

for growth, working capital and more

Apply for a loanFind out more about the scheme

Amount

£25,001 to £250,000

Product

Term loan up to 6 years

Interest

From 13.7% per year

Fees

One-off completion fee

Asset finance

FUND VEHICLES, EQUIPMENT OR MACHINERY

through our specialist partners

Apply for asset financeLearn more about asset finance

Amount

£10,000 to £5 million

Product

Secured loan up to 7 years

Interest

Varies by provider

Fees

Varies by provider

Apply for a Business Loan or Recovery Loan and we'll assess which product is
right for you on the best possible terms. If we can offer you a loan without
RLS, we will do.




GET A PERSONALISED QUOTE WITHOUT AFFECTING YOUR CREDIT SCORE

If you’re a limited company or LLP, you can get a loan decision without
affecting your credit score. So you can assess your options with complete peace
of mind.

 1. 1
    
    
    CHECK IF YOU’RE ELIGIBLE IN 30 SECONDS
    
    See if you qualify with no fuss

 2. 2
    
    
    APPLY ONLINE IN 10 MINUTES
    
    Tell us about you and your business in our online form

 3. 3
    
    
    GET YOUR DECISION IN AS LITTLE AS 1 HOUR
    
    If approved, you’ll get a personalised, no-obligation quote

 4. 4
    
    
    FUNDS PAID OUT TYPICALLY WITHIN 48 HOURS
    
    Once you accept your offer, we’ll deposit the funds into your account

Apply now


HERE TO HELP IF YOU NEED US

Contact our UK-based team if you have any questions

Contact us


SUPPORTING BUSINESSES ACROSS THE UK

For over 10 years, businesses from every corner of the UK have trusted us to
help them go further


ATT PYNTA

Furniture Brand
Based in London
"They were really responsive, it was great to have someone I could just call
with questions."
Read more


COMPUTERS FOR FLOORING

Software Company
Based in Cardiff
"The whole process was so easy – I'd never go back to a bank."
Read more


THE GREAT YORKSHIRE SHOP

Retail Business
Based in Yorkshire
"With the extra cash flow, we've doubled our turnover."
Read more


THE FUNDING CIRCLE STORY

Founded in the UK to give small and medium-sized businesses better access to
finance, we’ve helped more than 140,000 businesses borrow £16 billion since
2010.

Learn more

Excellent


14,635 reviews

0800 048 2467

MONDAY – THURS (9am–6pm)FRIDAY (9am–4.30pm)

Contact us

FUNDING CIRCLE

 * About us
 * Careers
 * Media
 * Shareholder Information

DISCOVER MORE

 * Institutional Investors
 * Introducers
 * Tips & Guides
 * Diversity & Inclusion
 * Developers
 * Partner API

SUPPORT

 * Help
 * Contact Us

LEGAL DOCUMENTS

 * Legal
 * Security
 * Modern Slavery Statement

OTHER

 * Sitemap


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Copyright © Funding Circle Ltd 2023. All rights reserved

Funding Circle Ltd is authorised and regulated by the Financial Conduct
Authority under firm registration number 722513.

Funding Circle Ltd is not covered by the Financial Services Compensation Scheme.

Registered in England (Co. No. 06968588) with registered office at 71 Queen
Victoria Street, London, EC4V 4AY.

Funding Circle Ltd is a distributor of Modulr FS Limited, a company registered
in England and Wales with company number 09897919, which is authorised and
regulated by the Financial Conduct Authority as an Electronic Money Institution
(Firm Reference Number: 900573) for the issuance of electronic money and payment
services. Your FlexiPay account and related payment services are provided by
Modulr FS Limited. Whilst Electronic Money products are not covered by the
Financial Services Compensation Scheme (FSCS) your funds will be held in one or
more segregated accounts and safeguarded in line with the Electronic Money
Regulations 2011 - for more information please see website.

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