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Funding Circle Review

Reviews 14,368
Funding Circle
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Funding Circle
Funding Circle
Excellent
Reviews 14,368
Michael Graw
Jul. 13, 2023
2 min read
Michael Graw
Funding Circle Summary
Funding Circle is a direct online small-business lender founded in 2010. Since its inception, the company has lent over $19.4 billion to more than 130,000 small businesses. Funding Circle offers small businesses flexible business term loans with affordable monthly payment options and competitive interest rates. The lender offers online applications and can make a funding decision in as little as 24 hours.

Pros

  • Credit decision as little as 24 hours of applying
  • Apply for additional funding options with a single application
  • No prepayment penalty

Cons

  • Requires personal guarantee for most loans
  • Stringent qualifications for borrowers

Funding Circle at a glance

8.4
Editorial score

Online experience

Has learning resources, access to rates
10.0

Customer services and support

Multiple ways of reaching lender, wide range of hours
8.0

Variety of loan types

Offers all loan types*
10.0

Loan amount range

Loan amount up to $500K
8.0

Eligibility

Loans only available to excellent credit, high-revenue businesses
6.0

Funding Circle Funding Circle View Rates

Overview

Funding Circle specializes in small business term loans from 6 months to 7 years. They also offer  a business line of credit and SBA 7(a) loans through their network of lending partners. Depending on which type of loan you choose, you can borrow between $25,000 and $500,000 and repay your loan in monthly installments.

Funding Circle has a unique model for offering loans compared to other online lenders. With the term loans offered through Funding Circle, the company handles the application, approval, and loan servicing process directly, but your loan is purchased by one of the company’s institutional investors.

Why Funding Circle Is Good For Your Business

Funding Circle offers a wide range of loan options, including small business term loans as well as business lines of credit and SBA 7(a) loans through their network of lending partners. Working with a network of lending partners allows Funding Circle to offer funding to a wider range of businesses than most individual lenders.

On top of that, you can apply for a Funding Circle term loan as well as a business line of credit and SBA 7(a) loan through Funding Circle’s network of lending partners using a single online application. Funding Circle makes loan decisions in as little as 24 hours after you submit your supporting documentation, and can deliver funds in as little as  two business days. So, this service is suitable if your business needs money quickly.

Business Term Loan Features

Funding Circle Small Business Term loans range in size from $25,000 to $500,000.  Features and minimum requirements for a Funding Circle Business Term Loan include:

  • Borrow $25,000 to $500,000
  • Receive funds in as little as 2  business days after approval
  • Must be in business for at least 2 years
  • Cannot have filed for bankruptcy in the last 7 years
  • Minimum credit score of 620 to qualify
  • Minimum annual revenue of $50,000
  • One time origination fee from about 4% - 9%
  • No prepayment penalty

Application Process

You can apply for a small business loan with Funding Circle online. The application takes just 6 minutes to complete and asks for information about the size of the loan you’re looking for, your business, and your financial history. Funding Circle runs a soft credit check, which doesn’t impact your credit score, as part of your application. However, if your business is organized as a general partnership, a hard inquiry will be run so your credit score may be impacted.

Once you submit the application, Funding Circle will contact you within as little as 24 hours of documents being submitted with a credit decision. If approved, your dedicated Funding Specialist will walk you through your approved funding solutions.Depending on the type of loan you select, funds can be available within 2 business days.

How Much Can You Borrow? 

Funding Circle term loan loans range  from $25,000 to $500,000. However, the exact amount you can borrow varies based on your business’s revenue and overall creditworthiness.Funding Circle also offers a business line of credit, ranging from $5,000 to $250,000 and a SBA 7(a) loan, ranging from ($50k-$500k), through their network of lending partners.

Repayment Terms

Funding Circle offers repayment terms from 6 months to 7 years for their business term loans.  Interest rates start as low as  7.49%, and Funding Circle charges an origination fee of between 4.49% to 8.49% of your approved loan amount. There is no prepayment penalty and no monthly maintenance fees.  Funding Circle business term loans require a business lien and personal guarantee.

Privacy and Security 

Funding Circle uses SSL (Secure Socket Layer) encryption to protect your application information and the online loan management portal. The company has an A+ rating with the Better Business Bureau and a 4.6-star rating on Trustpilot as of April 2023.

Help & Support

You can contact Funding Circle’s customer support team by phone or email from 8:00 am - 5:00 pm (MT), Monday to Friday. The company’s website also has a detailed FAQs page that answers questions about rates, repayment, and the application process.

Phone: (855) 385-5356

Email: loanquestions@fundingcircle.com

Physical Address

Funding Circle, 707 17th St Suite 2200, Denver, CO 80202 

Funding Circle Funding Circle View Rates

Summary

Funding Circle is a direct small business lender specializing in small business term loans from 6 months to 7 years. They also offer SBA loans with terms up to 10 years, and business lines of credit through their network of lending partners.. You can apply online in minutes and get a funding decision in as little as 24 hours. Funding Circle has funded over $19.4 billion in small business loans to date and has an A+ rating with the Better Business Bureau. 

Methodology

This review was created with information from the Funding Circle website, the Better Business Bureau, and Trustpilot.

Disclaimers

All loan offers and qualifications require credit approval and are subject to change with or without notice.

Loans are made by FC Marketplace, LLC dba Funding Circle and arranged pursuant to Nevada Installment Loan Company License No. IL11154 and IL11155, California Financing License No. 6054785, North Dakota Money Broker License MB 102840, South Dakota Money Lending License MYL.3054, Vermont Commercial Lender License No. 1287979 CLL, and Florida Consumer Company License CF9901099. Partner Loans are made or arranged pursuant to their applicable lending license(s).


Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Trustpilot reviews
See what some customers are saying about Funding Circle
Funding Circle
Excellent
Reviews 14,368
on
Excellent
84%
Great
6%
Average
1%
Poor
1%
Bad
8%
j
jacek ziewiecki
17 hours ago
Good quick money for your business
Good quick money for your business. I will recommend this if you really need it
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david gutteridge
20 hours ago
Nothing but hassle
Nothing but hassle. They used to call every 10 days to see how our business was going. After a year of this constant calling and sometimes 2 calls in a day I asked them to stop. They did but now have 2 emails and 3 calls in 5 days. Better of going to a loan shark as they can't hassle more than this firm do. DO NOT USE!! Unless you enjoying chatting and going through security each time
L
lauren
2 days ago
Fantastic!
My whole experience with funding circle was excellent from the start, particularly member of staff Olivia. She kept me fully informed at every step and worked very quickly to sort things out, she was very friendly and helpful. I’d highly recommend.
K
kevin reynolds
2 days ago
excellent....
excellent....
P
peter s
2 days ago
Quick, slick, and painless
A very straightforward, professional process. My business loan application took ten minutes online, and was followed up by a call from Piers to confirm details and let me know what further details would be required. All documentation was submitted via the Funding Circle website. It took eight days from submitting the application to receiving the funds.
c
customeri
2 days ago
FC made things very easy and straight…
FC made things very easy and straight forward and very smooth. The account management was excellent and I would highly recommend them.
C
collectplus customer
2 days ago
A prompt and efficient service
A prompt and efficient service. I would definitely recommend!
J
john morgan
3 days ago
Funding Circle Application
Ella, was very supportive, following up from her emails and actively progressing my application process. One area which was a concern was the where layout requirement on different pages were not exact these were not stated as a full document but only page by page, thus necessitating numerous reprinting and scans.
J
jc
4 days ago
Very difficult to contact
Very difficult to contact. I'm not actually convinced many real humans axctually work there still.
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zero dawn
5 days ago
Spamming my home with useless…
Spamming my home with useless advertising letters, told them to stop and said would take a month, been over year still coming through.
c
customer
5 days ago
Streamlined and helpful process
Easy application and speedy offer - within a few days I had an offer and after around 1 week the funding was received. The process was straightforward and I am a happy customer.
D
danny
5 days ago
Incredibly easy process
Incredibly easy process, applied on Tuesday and we had the funds on Friday. Sam our account manager has been patient and supportive throughout.
W
walinase nyirongo
6 days ago
My account manager was very helpful…
My account manager was very helpful throughout the whole process.
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nicky banks
6 days ago
(I USED THEIR WEBSITE NAME AS MY PROFILE PHOTO IN THIS REVIEW IN CASE YOU NEED AND WANT HELP.).
I was advised to file a complaint based on the profile picture name, which saves me coins.
C
chris jarjou
6 days ago
Great service and great people to…
Great service and great people to support
R
ruth f
6 days ago
We have used Funding Circle a few times…
We have used Funding Circle a few times now to expand our Business. Our Account Manager on the recent request was Jack, who was extremely helpful in getting our Loan Approved and Processed. Funding Circle is the only Company we will approach for extra funding.
P
peter yakoob
7 days ago
Olivia at Funding Circle was very helpful and professional.
Olivia at Funding Circle was very helpful and worked swiftly to help gain the funds I required. From the initial phone call to completion of the forms and funding received was all done in 3 days. I would highly recommend them.
P
phil wilson
7 days ago
From initial enquiry to the funds being…
From initial enquiry to the funds being released I could ask for a better service. I dealt with Archie who kept me updated throughout I would happily recommend anyone to use fund circle
T
tom bailey
7 days ago
Very thorough
Very thorough, pleasant and competent
T
thomas millin
7 days ago
Very easy to work with
Very easy to work with. Had funds in my bank in less than 3 days after completing the application.
A
abidemi
7 days ago
I m very pleased with my journey so far…
I m very pleased with my journey so far with funding Circle, most especially with Thomas Little, the account executive. He was very professional and gave me the opportunity to make an informed decision
M
melanie hall
7 days ago
First class and extremely slick service…
First class and extremely slick service as always from FC
L
lewis duncan
7 days ago
Grate service throughout the…
Grate service throughout the application.
N
nigel
8 days ago
Quick and very helpful service
I cannot compliment Daniel enough on the service provided. Helped me every step of the way, I wasn't sure if I'd be accepted for funding but I was and had the funds within 5 days of applying. Great service
D
dmitrijs morozs
8 days ago
Very nice team
Very nice team
M
ms mcaleese
8 days ago
Excellent service
Excellent service Easy to deal with fast completion would definitely use again Every step of the way explained & quick
M
michael robson
9 days ago
Very bad investment experience
I’m one of thousands of investors who are locked into Funding Circle after they changed their rules and prevented investors from selling their loan parts. I’m now down to around £400 invested after drawing out interest payments over many years. It’s ridiculous that small investors like myself cannot simply close their accounts.
k
kevin barrett
9 days ago
very helpful staff the process was made…
very helpful staff the process was made easy with thier help
D
daniel
9 days ago
Don't be fooled.
The infrastructure is poor. The website slow and frequently has problems. If you're a lender be prepared to be fleeced (this is now mostly the government but some individuals remain) Only good for 'businesses' that never intend to repay the loan.
E
emma
10 days ago
Fast but thorough
Fast but thorough, great ethics, delivered what they said they could in the time frame they said they would. Nice professional people, no 'ringing bell' in the background after making a 'sale' which elevates the brand and makes them more trusted in my opinion. Not all RLS providers are equal. These seem to be the real deal so far.
A
andrew hill
10 days ago
To develop a new product…
We were looking to develop a new product to build on our existing range of equipment and contacted Funding Circle, looking at their mission statement and approach to lending they seemed the most obvious choice for our needs. My contact was Philip and he explained everything in detail and was clear on charges and interest, the application was straight forward and Philip was on hand for any questions we had, all in all a great service.
I
ioan-silviu pop
12 days ago
Best experience and best customer…
Best experience and best customer service from Daniel ! Followed up and assisted me every step to make this process very smooth. We have used Funding Circle 5 years ago as well but the team is amazing ! Well done and Thank you once more !
R
richard dunlop
13 days ago
The funding application was very easy…
The funding application was very easy to do and our application was processed very quickly without any difficulty by Funding Circle. I found the staff dealing with our application to be very friendly and helpful. I would definitely recommend Funding Circle to any other company who are looking for some financial support.
S
sean grieves
14 days ago
George provide a great friendly service…
George provide a great friendly service and arranged our funding very quick.
A
avon surveys
14 days ago
My account manager Chelsea Clark was very helpful from the start. She was very attentive to my case and willing to assist as much as possible for my application.
Our second business loan with Funding Circle. The process was again, very smooth and quick, easy to complete online. An account manager is appointed immediately and always proactive to assist your application. Funds are released quickly into our business account for immediate use.
K
kamaljit dhaliwal
15 days ago
Everything is explained
Everything is explained, transparent in very friendly manner by Archie. The follow ups to keep you update fascistic.
M
mohammed aziz mhar
15 days ago
Very professional
Paul Ashikodi was very professional and communicated well all through the process
M
mrs mcleod
15 days ago
Excellent customer service
From Start to finish Jack at Funding Circle kept us informed at every stage of the process which he made very user friendly. Everything went smoothly and he ciuld not have been more helpful. Thank you Jack!!
P
paul church
15 days ago
Working with Leone on this loan was…
Working with Leone on this loan was stress free as Leone helped with every step.
C
customer
15 days ago
Not the best way to get new customers
They sent out advertising material without paying full postage. I paid the £5 to Royal Mail assuming it would be something I actually ordered only for their spam mail to arrive instead. A great way to make sure I never use you as a company that.
C
colin dulson
15 days ago
Immoral sharks
Continuously sending marketing material offering business loans and using Government RLS scheme. Nothing stacks up against the marketing material, and they refuse without proper explanation. The completion fees charged are immoral, especially given that they are using Government back schemes that reduce the lenders risk to minimal. The fees are initially 7% of the loan arranged (as advertised in small print on their documents) over the term of the loan the arrangement fee can equal up to 12% of the initial loan as the "completion fee" is placed into the loan amount and interest paid on it over the term of the loan They, in my view, are immoral and economical with the details . . I'd give them a wide birth in the future
D
david moore
15 days ago
The process from start to finish was as smooth as you could hope for
The process from start to finish was smooth and very professional . The funds were in our account within 2 weeks of the initial contact I would recommend Funding Circle for any funding requirements and would definitely use again
G
godwin
16 days ago
Responding time was very quick
Responding time was very quick. My account manager was very honest. She explained everything in a very simple and clear way.
s
sukh sandhu
16 days ago
The dialogue with this organisation was…
The dialogue with this organisation was very professional and very helpful. They want to understand how the company is looking to grow and how they are able to help
R
ron wilson
16 days ago
Excellent support with process
Funding circle were very good they advised me perfectly.Definitely a great place to recieve finance the process was so easy.
S
simon jowett
16 days ago
Definitely worth applying to
This is a very efficient professional outfit. The service was quick and easy. I was impressed at the rate at which day dealt with matters. I obtained a loan to my requirements at reasonable rates, given the market and received the funds all in less than a week
r
russ
16 days ago
Great service from start to finish.
Great service from start to finish. I contacted Funding Circle as I was interested in getting funded to expand my business and being a ltd company director sometimes this can prove challenging however I was contacted by Archie after submitting my application who guided me through the process and was extremely helpful throughout the process. The whole process from submitting the application to receiving the funding took only a few days and I am so grateful to Archie and all the team at Funding Circle for the help they are giving business owners like myself to allow us to get funded very quickly and easily.
V
vanessa ithell
16 days ago
Funding Circle have been very helpful…
Funding Circle have been very helpful with all the application, and Mr Hollington has been very helpful and very professional with all the application. He has kept me informed on how it was progressing. I defiantly give five stars for an excellent service.
P
paul dixon
16 days ago
All sorted thanks
All sorted thanks
j
john hinchmore
17 days ago
Chelsea did a great job of sorting…
Chelsea did a great job of sorting everything out the company needed
N
nee
18 days ago
Excellent Service
I was treated very professionally and it was a thorough process that culminated in my getting a loan from Funding Circle.
P
peter k
19 days ago
Very responsive and helpful
Very responsive and helpful. Thank you Rory
S
stephen williams
20 days ago
This is our third time using funding…
This is our third time using funding circle and on all 3 occasions the application was straight forward and money was in our account within 3 weeks.
E
eric martin
20 days ago
The service I received from Funding…
The service I received from Funding Circle account manager Daniel Bruce - Tagoe was excellent. He was very pleasant and very good at his job . Thank you for making this an easy experience.
J
jordan dimov
20 days ago
I had a fantastic experience with…
I had a fantastic experience with Funding Circle, largely thanks to the exceptional assistance the account manager, Archie Merriman, provided. Throughout the loan process, Archie was professional, knowledgeable, and remarkably patient and understanding. His guidance made navigating the complexities of loan acquisition much more manageable. I'm truly grateful for his help and highly recommend his services to others seeking financial assistance through Funding Circle.
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andrew chamberlain
20 days ago
An extremely positive experience
Applying for a business loan with Funding Circle was incredibly straightforward and a very positive experience. Throughout the application process the Account Manager, Archie Merriman was highly communicative, professional, and personable. He made sure I was always fully aware of progress, and at every stage of the process it was clear what was expected of me to conclude the application and what was happening at Funding Circle to progress the application. Applying for financial support can be a stressful experience but Archie and the team at Funding Circle ensured my experience was positive and worthwhile. Thank you.
J
john pickering
21 days ago
Very good customer service with clear…
Very good customer service with clear communication and regular updates throughout.
M
muhammad iqbal
21 days ago
Good service and customer care
Good service and customer care
S
scott russell
21 days ago
The best
Charlie best was just as his name took me through the process and no stress would highly recommend using the funding circle
S
stephen mercer
21 days ago
Top rate service
Simplicity of application and the professional dealings with the members of the team to process the loan
L
lynda campbell
21 days ago
Daniel was really helpful and kept me…
Daniel was really helpful and kept me posted every step of the way including simple explanations about what was needed
K
k v k
22 days ago
Prompt & thorough.
Prompt & thorough.
M
martin coles
22 days ago
Prompt and efficient response
Prompt and efficient response. Everything clearly explained. Speed of whole transaction was fantastic. Puts mainstream banks to shame.
T
thomas
22 days ago
Funding Application
Ben provided clear, unhurried facts and information. He showed interest in my business opportunities and gave me a range of workable options. Excellent service throughout.
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paul sawyer
22 days ago
Would be zero stars if I could
Recent experiences with Funding Circle have been worse than terrible! I made a loan application via a broker which has subsequently been rejected despite their claim that they help small businesses. The loan was rejected EVEN AFTER (a) the Loan Agreement was signed electronically one week ago, (b) all requested due diligence documents were provided BEFORE they issued the Loan Agreement, (c) I have previously had a FC loan a few years back which had a perfect payment record and (d) they refuse to provide an adequate explanation to the broker Consequently, I will make a formal complaint and submit a DSAR to them because they refuse to provide a sensible explanation for refusal. Please be aware of Funding Circle and find an alternative if possible. They seem much more concerned with their own image rather than their so-called Mission Statement of being concerned about small businesses.
J
julie croker
22 days ago
Support team very helpful every step of…
Support team very helpful every step of the way, providing clear guidance and help with all matters
A
andrew
23 days ago
Great Service
A really straight forward process and the agent was brilliant and guided me through the application process.
S
sunil jobanputra
23 days ago
Reasonably quick assessment cycle and…
Reasonably quick assessment cycle and simple processes to follow.
N
np
23 days ago
They were really helpful and kept us…
They were really helpful and kept us informed of what was going on. Would definitely use this company again. Quick and efficient
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nick morton
23 days ago
Easy to deal with and arrange
Easy to deal with and arrange. Thanks to Philip Arnett who was helpful and patient at all times.
M
mr j d
24 days ago
Thoroughly professional and Leone was…
Thoroughly professional and Leone was superb through the whole process.
H
howard
25 days ago
A very friendly
A very friendly, quick and efficient way to raise finance.
J
jay
25 days ago
Simple and straightforward
Simple straightforward and was completed from beginning to end in a week!
R
reynolds stephen
25 days ago
Ryan Galvin
Ryan Galvin, was very helpful I would recommend to anyone looking for a business loan with Funding circle Should contact him Thank you
D
david
a month ago
Chelsea administered the entire…
Chelsea administered the entire process. She was pro-active, honest and very professional. My Company's application for a Loan was adroitly addressed within a 14 day period.
M
mr hill
a month ago
Superb
Superb. Simple process, quick, responsive to all queries and doubts that I had. Happy to recommend them to other small to medium-sized businesses
M
mr jefferson
a month ago
We required a quotation for a loan
We required a quotation for a loan, this was given to us in less than 24 hours and the funds in our bank in less than 5 days. Easy to deal with and extremely helpful in throughout the short process.
M
mr doris
a month ago
Customer relations was brilliant
Customer relations was brilliant
M
martyn burgess
a month ago
Excellent service
Excellent service, kept informed at every stage of the application process.
C
customer
a month ago
Great experience
Todd was friendly, helpful and understanding. He kept me informed at all stages of the process. Great service, thank you!
S
simon jones
a month ago
Funding Circle - easy to deal with.
Dealing with Funding Circle seems to be so easy compared to the high street banks. We were professionally guided through the process by Doron Traube who kept us informed of which stage our application had reached. The whole process took only 11 days from initial enquiry to having the funds released. Definitely less stressful way of getting financing!
T
tim lucas
a month ago
We have used funding circle twice in…
We have used funding circle twice in the past and we are very impressed with there level high level of service and how fast they were able to process our application
P
peter bailey
a month ago
Excellent service and assistance
Really happy with the service provided by Jack (our Account Manager) and the team. They made the whole application process extremely easy to deal with and provided a very quick response regarding funding. I am more than happy to recommend this company.
M
melissa v.
a month ago
Had a fantastic experience with Funding…
Had a fantastic experience with Funding Circle! Needed some quick finance for an expansion and Todd got the deal rolling on the same day. Provided my documents and had the money on my account within the next couple of days. Really professional and friendly. Can highly recommend! Many thanks, Todd!
J
jm
a month ago
Very straightforward information and…
Very straightforward information and application easy to use and udder friendly all queries were answered promptly by George.
G
gct
a month ago
Ben at FC was amazing
Ben at FC was amazing. He guided us through the whole process with expert knowledge.
S
shaun mcgrath
a month ago
Great experience
Great experience, account manager very helpful, would definitely recommend
m
mian amin
a month ago
I found funding circle really helpful
I found funding circle really helpful. Staff was amazing. Very kind specially Leone
S
steve h
a month ago
Very easy to deal with
Very easy to deal with and so much easier than trying to speak to someone at my bank. I appreciated the personal touch rather than 'talking' to a computer. I dealt with Olivia - she was brilliant.
L
ldw property services
a month ago
Clear outline of the borrowing terms
Clear outline of the borrowing terms, excellent customer service and fast receipt of funds.
J
john black
a month ago
Fast friendly service
Fast friendly service
D
duncan mcgilvray
a month ago
Nothing seemed to be too much trouble…
Nothing seemed to be too much trouble and very efficient
C
claudia cross
a month ago
from the very outset Phillip Arnott (…
from the very outset Phillip Arnott ( the account manager I dealt with) steered me through the application seamlessly to a quick and efficient conclusion. Cant recommend funding Circle & Phillip enough. John Cross Mirencliff Limited
I
ivor saunders
a month ago
Speed of decision was excellent
Speed of decision was excellent. Fill in details on line, 30 second later, decision made.
V
vikas singh
a month ago
It was straight forward and quick
It was straight forward and quick, account manager was prompt in resolving queries and was very suportive.
M
mr & mrs fenner
a month ago
Ben was very patient while trying to…
Ben was very patient while trying to work and sort out documents!
J
jeugenija
a month ago
Excellent experience
Excellent experience, Pierce -You are star!!! We will always recommend you !
S
shade
a month ago
Great communication from the agent, Olivia.
What made my experience great: I made a few mistakes on my application and my Funding Circle agent worked hard to correct them. As Well as walking me through the best course of action on my part. The constant communication. The patience and care you would love to get from your bank. I understand that it is about profit but customer service like this does not exist elsewhere.
T
thomas puthenparampil
a month ago
Help received from Jack to sort out…
Help received from Jack to sort out paperwork and he made it easy
K
kris lea
a month ago
Excellent service from start to finish
Excellent service from start to finish. Whole process was very straightforward and the team at Funding Circle (especially Luke) were very helpful and responsive. Highly recommended.