Bridging Finance Alternatives | Boost Cash Flow | Funding Circle

Bridging finance alternatives to help you thrive

From business credit cards to loans and asset finance, bridge cash flow gaps and grow with our flexible finance options

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Funding Circle has worked with the British Business Bank since 2013, supporting thousands of businesses as one of the largest providers of Government-backed loans including through the Growth Guarantee Scheme.

Backing you to succeed with a range of business finance options

Whether you’re focused on bridging finance gaps, boosting cash flow or growth, we’re 100% dedicated to helping small businesses get the finance they need to thrive. We offer both short and long term finance options, and you could use your funds to:

Popular reasons to get business finance

Our products

Short and long term business loans

Borrow £10,000-£750,000 for almost any business need.

Apply for a business loan Find out more about business loans

Government-backed loans

We’re now offering loans under the new Growth Guarantee Scheme (GGS).

Apply for a business loan Find out more about government-backed loans

Cashback Business Credit Card

Get 2% cashback for the first 6 months (up to £2,000), then 1% uncapped cashback after that

Apply for Cashback Find out more about Cashback

FlexiPay Business Credit Card

Spread business costs over 3 months and manage short term cash flow.

Apply for FlexiPay Find out more about FlexiPay

Asset finance

Fund vehicles, equipment or machinery through our specialist partners.

Apply for asset finance Find out more about asset finance

Business finance options – which is right for me?

The right product for you will depend on your individual circumstances and what you want to use the finance for. If you’re unsure which option is best, you can give us a call on [0800 048 2467](tel:0800 048 2467) to discuss your needs in more details.

Here are some of the key points to consider:

Do you want a cash injection or a bridging finance alternative?

If you’re looking to boost cash flow or want to kick off a long term project, then a fast, affordable business loan could be what you need. You can borrow large amounts and spread repayments over up to 6 years, making big investments more affordable. Plus, if you recoup the funds from investment early, you can repay the loan in full with no early settlement fees, and only pay interest on the time you borrowed.

Do you want to better manage cash flow?

If you’re looking to fund everyday cash flow needs, then a line of credit like FlexiPay may be more suitable. With FlexiPay, when you make repayments, the credit is available for you to use again, so you can use it regularly without having to apply again.

Alternatively if you want the ease of one card that you can use for every single business purchase, our Cashback business credit card could be the right option – plus you’ll get paid back when you spend.

Are you looking to buy/lease vehicles, equipment or machinery?

If you have a need for a particular asset such as a van or other vehicle, or a piece of equipment or machinery, then asset finance could be a good option. Options such as hire purchase are designed specifically for such cases, and our team can help you structure deals that best suit your needs.

How to apply for business finance

Applying for any of our products is simple and straightforward, and our UK-based team is always on hand to help.

  1. 1

Choose your business finance product

Pick whether you want to apply for a business loan, Cashback card, FlexiPay or asset finance.

  1. 2

Apply online in 7 minutes

You can apply for any of our products in 7 minutes or less.

  1. 3

Receive a quick decision

Cashback card and FlexiPay provides instant decisions. For asset finance, you’ll get a decision in as little as 24-48hrs, and for business loans it’s as little as 1 hour.

Frequently asked questions

What is business finance?

Business finance usually refers to a business accessing funds through a loan or other type of credit to support business needs, such as increasing working capital or buying an asset.

Benefits of small business finance

Taking out business finance allows you to pay for business needs without using up any existing cash flow reserves, or having to use other forms of raising capital such as selling equity or assets.

How much can I borrow with business finance?

At Funding Circle you borrow anything from £1,000 up to £5 million depending on the business finance option you choose.

Types of business finance

At Funding Circle we offer a variety of business finance options:

  1. Business loans
  2. Business credit cards
  3. Asset finance

What interest rate is charged on business finance?

The interest rate you’ll be charged depends on the product you apply for, the term you select and your credit history and other business circumstances.

Business loans are available from 6.9% per year while FlexiPay is interest-free – you just pay a one-off fee on each transaction.

Do I need a personal guarantee for business finance?

Depending on the product you apply for, a personal guarantee may be required.

Am I eligible for business finance?

To be eligible to apply for a business loan you need to:

  1. Have at least 1 year of trading history

To be eligible to apply for Cashback you need to:

  1. Be a limited company or LLP
  2. Have at least 1 year of trading history

To be eligible to apply for FlexiPay you need to:

  1. Be a limited company or LLP
  2. Have at least 1 year of trading history

To be eligible to apply for asset finance you need to:

  1. Be a limited company or LLP
  2. Have at least 2 years of trading history