{"schema_version":"2026-09-30","source":"https://fundbiz.co.uk/data/uk-business-finance-lender-index/","license":"https://creativecommons.org/licenses/by/4.0/","lender":{"slug":"funding-circle","name":"Funding Circle","legal_name":"Funding Circle Ltd","company_number":"06968588","founded_year":2010,"founded_label":"Founded","homepage":"https://www.fundingcircle.com/uk/","profile_url":"https://fundbiz.co.uk/lenders/funding-circle/","product_type":"Term loan","ticket_range":"£10k to £750k (its own figure)","typical_rate":"From 6.9% per year","decision_time":"Decision in as little as 5 minutes, funds typically within 48 hours (its own figures)","soft_search_only":true,"ltd_only":false,"rating":{"overall":4.3,"transparency":4,"eligibility":5,"speed":4,"decline":4},"summary":"Mainstream lender for term loans between £10k and £750k. It suits established Ltd companies with a trading record and clean credit that want a fixed-repayment term loan rather than a flexi or MCA. Funding Circle says limited companies and LLPs can get a decision without affecting their credit score.","pros":["Funding Circle says limited companies and LLPs can get a decision without affecting their credit score.","A 30-second eligibility check before applying, on Funding Circle's own site.","Decision in as little as 5 minutes on Funding Circle's own figures."],"cons":["6.9% is a starting rate, so many borrowers will be offered a higher one.","Personal guarantee is almost always required.","Loans stop at £750k, so larger facilities need another lender, such as OakNorth.","It does not publish a minimum trading period, and recent CCJs make approval harder; iwoca, Capify or 365 Business Finance may consider those cases."],"best_for":["Established Ltds with a trading record and clean credit","Working-capital term loans within its £10k to £750k range","Borrowers who want a recognised brand and a fast soft-search quote from the lender"],"weak_at":["Very new businesses, consider iwoca or Start Up Loans Company","Files with recent CCJs or missed payments, consider Capify, 365 Business Finance or Bizcap","£750k+ tickets, consider Allica or OakNorth"],"companies_house":{"company_number":"06968588","source":"https://find-and-update.company-information.service.gov.uk/company/06968588"}}}