{"schema_version":"2026-05-26","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":"07123069","founded_year":2010,"homepage":"https://www.fundingcircle.com/uk/","profile_url":"https://fundbiz.co.uk/lenders/funding-circle/","product_type":"Term loan","ticket_range":"£10k to £500k","typical_rate":"6.9% to 26.9% APR","decision_time":"1 to 3 business days","soft_search_only":true,"ltd_only":false,"fca_regulated":true,"rating":{"overall":4.3,"transparency":4,"eligibility":5,"speed":4,"decline":4},"summary":"Panel anchor for unsecured term loans between £10k and £500k. We route established Ltd companies with 2+ years trading and clean credit here first when the applicant wants a fixed-repayment term loan rather than a flexi or MCA. Soft search at quote means we can run an indicative match without harming the credit file. Default first move for working-capital tickets between £25k and £250k.","pros":["Soft search at quote, so the matcher can run a Funding Circle indicative offer without a credit-file footprint.","Eligibility criteria are published, which lets us pre-screen turnover, trading time and sector before we send the file.","Decision in 1 to 3 business days, fast enough that we rarely need to route to a slower bank for a clean case.","Established brand and FCA-regulated, useful when applicants want a name they recognise."],"cons":["Headline 6.9% rate is for top-tier files only, so we set applicant expectation higher in the matcher result.","Personal guarantee is almost always required, which we flag at matcher stage to head off late drop-off.","Less competitive on £100k+ tickets than Allica or OakNorth, so we route bigger asks accordingly.","Sub-12-month trading and recent CCJs auto-decline, route those files to iwoca, Capify or 365 Business Finance."],"best_for":["Established Ltds with 2+ years trading and clean credit","Working-capital term loans between £25k and £250k","Applicants who want a recognised brand and a fast soft-search quote"],"weak_at":["Sub-12-month trading, route to iwoca or Start Up Loans Company","Files with recent CCJs or missed payments, route to Capify, 365 Business Finance or Bizcap","£500k+ tickets, route to Allica or OakNorth"],"last_reviewed":"2026-05-10","companies_house":{"company_number":"07123069","source":"https://find-and-update.company-information.service.gov.uk/company/07123069"}}}