2% cashback on all business spend

Our Cashback credit card gives you up to £2,000 back for the first 6 months, then 1% uncapped after that. It’s the effortless way to earn rewards on repeat.

Explore our Cashback card Looking for a business loan?

• Up to 42 days interest free
• No monthly fees
• 0% foreign exchange fees
• Representative APR 34.9% (variable)
• Fixed interest rates

As proud sponsors of Prem Rugby, we believe in the power of a good team behind you. That's why we're here to back businesses all over the UK with the finance they need to succeed.

Explore our finance products

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

Cash flow control

Use FlexiPay to split virtually any cost over 1-12 instalments.

FlexiPay line of credit Shorter term loan

Cashback card

Earn powerful, market-leading rewards on essential spend.

FlexiPay line of credit Cashback credit card

Business loans

Fast, affordable funding for your business needs.

Business loans Shorter-term loan Asset Finance Vehicle finance

Explore our different finance products

Business Loan

Fast, affordable loans for almost any business need

• Amount: £10,000 to £750,000
• Product: Term loan up to 6 years
• Interest: From 6.9% per year
• Fees: One-off completion fee

Apply now Learn more about business loans

FlexiPay Line of credit

Pay in 1, 3, 6, 9, or 12 months and manage short term cash flow

• Amount: £1,000 to £250,000
• Product: Revolving credit facility
• Interest: 0%
• Fees: From 1.99% per transaction for a 1/mo. term

Apply now Learn more about FlexiPay

Cashback business credit card

2% cashback, up to £2,000, for 6 months and uncapped 1% cashback after that

• Amount: £1,000 to £250,000
• Product: Business credit card
• Interest: From 14.9% per year
• Fees: No monthly fee

Apply now Learn more about Cashback card

Government-backed loan

Growth Guarantee Scheme loans for growth, working capital and more

• Amount: £25,001 to £250,000
• Product: Term loan up to 6 years
• Interest: From 13.4% per year
• Fees: One-off completion fee

Get started Learn more about the scheme

Asset finance

Fund vehicles, equipment or machinery through our specialist partners

• Amount: £10,000 to £5 million
• Product: Secured loan up to 7 years
• Interest: Varies by provider
• Fees: Varies by provider

Apply now Learn more about asset finance

Supporting businesses across the UK

For 15 years and counting, businesses from every corner of the UK have trusted us to help them go further

About us

Over £18 billion lent to UK businesses since 2010

We offer simple, flexible finance that 100% backs small businesses. From loans to credit.
More than 135,000 small businesses supported
A customer transacts with us every 38 seconds
4.5/5 Trustpilot rating from over 16,700 reviews

The Funding Circle story

Founded in the UK to give small and medium-sized businesses better access to finance, we’ve helped more than 135,000 businesses borrow £18 billion since 2010.