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      Explore
      
      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.
      
      Learn more
      Back to top
   
   Explore
   
   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.
   
   Learn more

Apply 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
   
    * Help and FAQs
      
      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
   
   unding Circle are proudly sponsoring Premiership Rugby. Like rugby, running a
   business takes hard work – and whatever you’re facing, we’ve got your back.
   
   Learn more
   Back to top
 * Apply now


CHECK IF YOU QUALIFY FOR A BUSINESS LOAN IN 30 SECONDS

Expand, buy new equipment, hire staff or manage cash flow — whatever your
business goals, our loans can lend a hand

Get startedApply now

Apply as a limited company without affecting your credit score

Excellent


14,903 reviews

 * Apply online in 10 minutes

 * Decision in as little as 1 hour

 * Borrow £10,000 to £500,000

 * Rates from 6.9% p.a.

 * No fees to settle early

As well as offering business loans up to £500,000, Funding Circle is accredited
by the Government-owned British Business Bank to provide business loans of
£25,001 – £250,000 under the Recovery Loan Scheme (RLS).


CALCULATE HOW AFFORDABLE A FUNDING CIRCLE LOAN CAN BE

Use our calculator to see what your monthly repayments could cost or get your
personalised rate

Amount you wish to borrow

*Amount must be between £10,000 to £500,000

FOR HOW MANY MONTHS?

6

12

24

36

48

60

72

* Calculations are indicative and intended as a guide only. You may be offered
different terms. Based on average rate of our lowest risk businesses, and
current fees, which may be subject to change.


MONTHLY REPAYMENT *


£17,514

£ 17,564
Loan amount£100,000Completion Fee£3,000Interest£2,083Total amount
repayable£105,083
Check your eligibilityApply now
We’ve helped over 140,000 businesses borrow £16 billion to take their business
further.


£16 BILLION

LENT TO BUSINESSES


BRAMLEY & GAGE

GIN DISTILLERY
GLOUCESTERSHIRE
"With their business funding, Edward and Michael from Bramley & Gage were able
to boost their production by purchasing a new gin still."
Read moreView all funding stories


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 QUALIFY 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



HOW DO BUSINESS LOANS WORK?

When you get a business loan, your loan provider will lend you a lump sum of
money, which you then repay over an agreed period with added interest. The money
must be used for business purposes, such as marketing, equipment or growth.


AM I ELIGIBLE FOR A BUSINESS LOAN?

To be eligible to apply for a loan with us, you need to:

 * Have been trading for 1 year or more
 * Be based in the UK




--------------------------------------------------------------------------------

WHAT'S THE DIFFERENCE BETWEEN A BUSINESS LOAN AND PERSONAL LOAN?

WHAT ARE THE DIFFERENT TYPES OF BUSINESS LOAN?

WHAT IF I'VE BEEN REFUSED A BUSINESS LOAN IN THE PAST?

ARE BUSINESS LOANS HARD TO GET?


BOBBIN BICYCLES

BICYCLE COMPANY
LONDON
"Tom at Bobbin Bicycles used his business loan to sell directly to customers via
their website, cutting out the distributors he’d previously relied on."
Read moreView all funding stories


HOW MUCH WILL A BUSINESS LOAN COST?

The amount your loan will cost will depend on the amount of money you want to
borrow, your interest rate and your loan term. We charge a one-off completion
fee when you take out your loan, and your interest rate will be calculated based
on a number of factors, including your credit score and finances.

There’s no fee if you want to settle the loan early. All our loans are fixed
rate, so you’ll know exactly how much you’ll need to repay each month and what
the cost of borrowing is.

If you’d like a breakdown of how much your loan could cost, check out our
business loan calculator here.


HOW MUCH CAN I BORROW?

At Funding Circle, you can apply for a small business loan of £10,000 to
£500,000.






--------------------------------------------------------------------------------

WHAT ARE THE INTEREST RATES FOR A BUSINESS LOAN?

HOW LONG CAN I BORROW FOR?

DO I NEED A PERSONAL GUARANTEE?

WHAT DOCUMENTS DO I NEED FOR A BUSINESS LOAN?

WHEN DO I NEED TO START REPAYING MY BUSINESS LOAN?

CAN I REPAY MY BUSINESS LOAN EARLY?




IS A BUSINESS LOAN RIGHT FOR ME?

Before considering a small business loan, you should take some time to work out
whether a loan is your best option. Business loans can be used to refinance
existing debt, or support your business through times of financial hardship.

You should never take out a business loan if you’re worried about whether you
can meet the repayments.


A BUSINESS LOAN COULD BE RIGHT FOR YOU IF:

 * You're buying assets that will add long-term value to your business
 * You require additional funds to grow or expand your business
 * You wish to improve your business credit score
 * You need help managing your cash flow




--------------------------------------------------------------------------------


A BUSINESS LOAN MAY NOT BE RIGHT FOR YOU IF:

 * You cannot find a loan of the correct amount with suitable terms
 * You are not certain you can afford repayments
 * You have recently been refused a business loan
 * You have used up all existing lines of credit

Improving your credit score can better your chances of getting a business loan.
You can find some advice on how to boost your score here.





--------------------------------------------------------------------------------

HOW DO I QUALIFY FOR A SMALL BUSINESS LOAN?

WHEN WILL I GET A DECISION ON MY SMALL BUSINESS LOAN?

WHAT ARE BUSINESS LOAN TERMS?

WHAT HAPPENS IF I THINK I MAY MISS A REPAYMENT ON MY BUSINESS LOAN?


RELATED RESOURCES

 * Business loan calculator
 * Tips & Guides
 * Recovery Loan Scheme
 * Secured or unsecured loans
 * How it works
 * FlexiPay

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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.



Funding Circle also provides a FlexiPay Business Credit Card. This is separate
and unrelated to the account and payment services you receive from Modulr FS
Limited.

The FlexiPay Business Credit Card is issued by Monavate Ltd (Company Number:
12472532) authorised in the UK by the Financial Conduct Authority to issue
electronic money (e-money) and provide payment services (Firm Reference Number
901097). The card is issued by Monavate Ltd pursuant to licence by Visa.






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