Funding Circle — SME finance eligibility guide
Funding Circle is a UK-listed direct lender offering unsecured term loans, FlexiPay and a credit card to established UK SMEs.
- Official site:
- fundingcircle.com
- FCA reference:
- 722513
- Companies House:
- 06968588
- Trustpilot:
- view
Eligibility guidance only - not financial advice, not a loan offer, not a guarantee of approval. Lendrly is not FCA-authorised and is not a credit broker.
- Amount range
- £10k–£750k
- Security / PG
- Security posture not consistently disclosed
- Speed
- Decision as fast as 1h; funds ~48h
Data confidence
High confidence. Most of the figures on this page are published directly on the lender's own site. Verify the latest version with the lender before applying.
Summaries are paraphrased from public Funding Circle pages.
Products Funding Circle offers
A summary of the Funding Circle products tracked in the Lendrly database. Criteria can change and published ranges may differ for individual applicants. Always confirm with the lender before applying.
| Product | Category | Amount range | Min trading | Security / PG | Speed | Confidence |
|---|---|---|---|---|---|---|
| Business loan | Unsecured Business Loan | £10k–£750k | 12 months | PG required — PG likely | Decision as fast as 1h; funds ~48h | High |
Eligibility breakdown by product
Each section below paraphrases the published eligibility signals, common blockers, repayment, speed and security posture for one of Funding Circle's products. This is educational guidance only and is not a quote or guarantee of approval.
Business loan
Unsecured Business Loan
Source: View Funding Circle's Business loan page on fundingcircle.com ↗— Funding Circle UK business loan eligibility page.
Who Funding Circle's Business loan may be suitable for
Funding Circle's Business loan may be a possible fit when Limited companies/LLPs; business purpose loans. Typical signals include general sme working capital/expansion/refinance; stable trading and affordability.
Common blockers
- Insufficient trading history/revenue
- Weak affordability
- Severe adverse credit
- Excluded sectors
Repayment
Funding Circle structures repayment as: fixed instalments up to 6 years.
Speed to funding
Funding Circle indicates speed to funding around: decision as fast as 1h; funds ~48h. Actual timelines may vary with documentation and underwriting.
Security and personal guarantee
Security posture: pg required. A personal guarantee is likely to be requested.
Other lenders covering similar product families
Other UK SME lenders in the Lendrly database whose product mix overlaps with Funding Circle. This is not a ranking and not a recommendation — eligibility, pricing and underwriting can differ substantially between providers. Review each lender individually.
Related guides
Educational explainers that pair well with Funding Circle's product mix.
Related lender directories
Browse other UK lenders publishing criteria in the same product families as Funding Circle.
Keep exploring
Move up to broader categories, drill down to a specific sector, or browse related tools at this level.
Logos, trademarks and brand names belong to their respective owners. Lendrly is not affiliated with, endorsed by, or sponsored by these lenders unless clearly stated. Information is paraphrased from public lender pages and may not be exhaustive — always verify directly with the lender before applying.
Funding Circle — data sources
Lendrly summarises publicly-available information from the lender pages listed below. Criteria can change without notice — always confirm directly with the lender before applying.
- Funding Circle — Business loanfundingcircle.comFunding Circle UK business loan eligibility page.
What this page is — and isn't
- Is: a plain-English summary of Funding Circle's published eligibility signals, security posture, speed and product mix — written for UK SMEs trying to understand their funding options.
- Is not: a quote, a rate offer, an indication of approval, or regulated advice. Lendrly does not submit applications and is not a regulated credit broker.
- Always: confirm criteria, pricing and product availability directly with Funding Circle on the official Funding Circle site before applying.
Frequently asked questions about Funding Circle
- What is the minimum trading history for Funding Circle?
- Funding Circle's products in the Lendrly database show a minimum trading history starting from around 12 months for at least one product. Other products may require more.
- Does Funding Circle require a personal guarantee?
- Yes — at least one of Funding Circle's products in the database indicates a personal guarantee is likely. Final PG terms depend on the facility size, security posture and underwriting.
- What speed to funding does Funding Circle publish?
- Published speed indicators for Funding Circle include: Decision as fast as 1h; funds ~48h. Actual time to funds will depend on documents, affordability checks and underwriting.
- What is Funding Circle's minimum and maximum facility size?
- Across the products Lendrly tracks for Funding Circle, the published amount range is approximately £10,000 to £750,000. Individual products may sit within narrower bands — see the products table on this page.
- What is Funding Circle's published position on CCJs and adverse credit?
- Funding Circle's published criteria mention CCJs or adverse credit as a factor for at least one product. Unsatisfied CCJs are commonly a blocker across UK SME lenders; verify your specific position with the lender.
Check whether Funding Circle's criteria fit your business
Answer a few questions and see how your business profile stacks up against published lender criteria, including Funding Circle's. Educational guidance only — Lendrly does not submit applications on your behalf.
Important — educational guidance only
- Not regulated by the FCA and not a credit broker.
- Not financial, legal or tax advice.
- Not a loan offer and not a guarantee of approval.
- Subject to lender underwriting — criteria can change.
Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.