Company overview

The mission: We fund growth

Funding Circle is on a mission to back the small businesses that power the economy. We deliver an unrivalled experience for our customers, powered by a proprietary technology and data engine.

0% of applicants receive an instant decision
0+ SMEs supported since 2010
0x better risk discrimination than traditional bureaus
0 customer Net Promoter Score (NPS)
£0.0bn contribution to UK GDP in 2025

Our strategy

Following a successful multi-year transformation, Funding Circle has emerged as a sustainably profitable business. As we scale, our strategy remains rooted in customer centricity, relentless innovation and profitable growth.

Get to ”yes”

We ensure businesses find the ‘Yes’ to providing the finance they need through our products and Marketplace partnerships. We leverage credit and product innovation to serve a broader customer base and reach more customers.

Expand our audience

We will reach and serve more SMEs with our newer products, addressing new customer needs and expanding our distribution and marketing channels.

Scale our product offering

While our product suite is broad, some products remain nascent. Over the coming years, we will scale these products, unlocking new features to drive innovation and profitable growth.

Deliver a seamless lifetime customer experience

As a trusted financial partner, we provide a superior experience. This allows us to solve more problems, save our customers time and meet more of their needs.

Our business model

At the heart of our business is a proprietary technology and data engine that connects small businesses with high-quality funding from a diverse range of institutional partners.

This scalable ecosystem allows us to deliver fast, simple finance for our customers while providing stable, attractive returns for our investors.

Borrowers

SMEs seeking fast simple finance, with products tailored to every stage of their journey.

60% Term loans
Our borrower base is highly diversified across regions and industries. Typical borrowers are well-established businesses seeking efficient financing solutions.

33% FlexiPay Line of Credit / Cashback Credit Card
7% Marketplace

% credit extended (2025)

Investors

We have a scalable capital light business model with the right funding for the right product.

93% Institutional investors
Funding is provided by a diverse group of institutions that receive attractive returns, access to a hard-to-reach asset class, portfolio diversification, and the ability to deploy capital at scale.

7% Funding Circle's balance sheet with senior facility
Third party finance providers

panel of 28 lenders

% assets under management funding (2025)

Our multi-product toolkit

Our product suite empowers our customers with the right solution at the right time, powered by our proprietary technology and data. We have evolved from a single-product lender into a comprehensive financial partner with a range of solutions to meet the evolving needs of small businesses.