Business finance that backs you

Powering growth for SMEs

We’re the UK’s leading SME finance platform, backing small businesses with the finance they need to win. Our integrated multi-product ecosystem ensures that a vital, historically underserved part of our economy can access the funding it needs to thrive.

£0bn

in credit extended

0

small businesses financed

£0.0bn

in assets under management

Share price

LSE: FCH

201.98GBX+4.01%

Volume 575,156

Full Year Results 2025

Results for Full Year ended 31 December 2025

Regulatory news

1. 20 July 2026 Funding Circle Holdings plc: POS-Transaction in Own Shares
2. 16 July 2026 Half Year 2026 Trading Update
3. 13 July 2026 POS-Transaction in Own Shares

Empowering small businesses to win

Our proprietary technology and data platform is the engine that transforms the experience for our customers. By leveraging 15 years of lending data and AI-powered risk models, we provide the speed and precision that traditional lenders cannot match. This allows 73% of applicants to receive an instant decision, ensuring our customers have the right support at the right time – whether they are managing daily cash flow or scaling for the future.

Businesses growing with our support

Wick & Tallow

Bringing English eccentricity to luxury fragrance

Since launching in 2011, Wick & Tallow has grown from a Portobello Market stall into a bespoke luxury fragrance brand. Alice Malcolm Green’s vision to bring “English eccentricity” combined with operational agility to a traditional market has led to the brand successfully expanding beyond candles into home fragrance.

Funding Circle has supported the business with three Term Loans since 2021 to fuel its growth mission. These strategic injections of capital allowed the business to scale its production and reach new customer segments in the luxury market.

Since 2024, Alice and her partner James have also been using FlexiPay to spread supplier payments for materials over several months. This multi-product approach has transformed the company’s daily operations, helping it to better manage cash flow and enabling it to scale faster with confidence. By bridging the gap between material costs and sales revenue, it is now able to keep up to date with invoices while focusing on high-end bespoke innovation.

We love FlexiPay, as it allows us to pay our suppliers and split payments over a few months, helping us to manage cash flow and keep up to date with invoices.

Alice Malcolm Green | Founder, Wick & Tallow Bespoke Ltd

The Nest

Fast access to funds enabled The Nest Climbing to expand its facilities in West London.

How we helped The Nest Climbing

The Nest Climbing in Hayes is more than a gym; it’s a London sanctuary where fitness meets community. Climbing enthusiasts Rob Lawley and Sam Hunter opened The Nest in 2019 to make climbing inclusive, and now the centre offers a welcoming space for bouldering, yoga, and connection. To fuel its growth, a £22,000 Funding Circle Term Loan provided essential funds to expand its facilities and add a cafe, ensuring it remains a supportive ‘nest’ for its vibrant and growing community.

Getting a fast injection of funds meant we could expand our business to offer a cafe as well as top-level climbing experiences; now we’re more embedded in the community than ever.

Sam Hunter | Co-Founder, The Nest Climbing Limited

Creating lasting impact

Our platform enables small businesses to grow, supporting the communities and people that power the UK economy.

0+ jobs supported in 2025

£0.0bn GDP contribution in 2025

£0.0bn generated in tax receipts

A place to do your best work

We are always looking for talented individuals to join our team and help us support small businesses. At Funding Circle, we provide the environment and the tools you need to grow your career while making a tangible difference. If you’re looking for your next challenge, explore our current opportunities and see how you can contribute to our mission.