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Funding Circle Review

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Reviews 10,664

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Michael Graw
Michael Graw
May. 03, 20214 min read

Funding Circle summary

Funding Circle is a direct to small-business lender founded in 2010. Since its inception, the company has lent over $15 billion to more than 100,000 small businesses. Funding Circle offers small businesses flexible business term loans with affordable monthly payment options and competitive rates. The lender offers online applications and can make a funding decision in just 24 hours. Funding Circle has a 4.5-star rating with Trustpilot.

Pros

  • Funding decision within 24 hours of applying
  • Apply for all funding options with a single application
  • No prepayment penalty

Cons

  • Requires personal guarantee for most loans
  • Stringent qualifications for borrowers
  • Does not currently fund Nevada based businesses
Funding Circleat a glance
4.2

Editorial score

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Multiple ways of reaching lender, wide range of hours

4.0

Variety of loan types

Offers all loan types*

5.0

Loan amount range

Loan amount up to $500K

4.0

Eligibility

Loans only available to excellent credit, high-revenue businesses

3.0

Funding Circle Funding Circle View Rates

Overview

Funding Circle specializes in business term loans of 5 years, but offer terms from 6 months to 10 years. They also offer a wide range of additional loan types including SBA loans, merchant cash advances, business lines of credit, invoice factoring, and working capital loans. Depending on which type of loan you choose, you can borrow between $5,000 and $500,000 and repay your loan in weekly, biweekly, or monthly installments.

Funding Circle has a unique model for offering loans. The company handles the application, approval, and loan management process, but your funds come with one of Funding Circle’s network lenders. That means that the terms of your loan, such as your interest rate and repayment options, can vary based on which lender your loan comes from. 

Why Funding Circle Is Good For Your Business


Funding Circle offers a wide range of loan options, including SBA loans, business term loans, and more. Part of what helps Funding Circle stand out is that it works with a network of lenders, so it can offer funding to a wider range of businesses than most individual lenders.

On top of that, you can apply for any type of loan with Funding Circle using a single online application. Funding Circle makes loan decisions in 24 hours and can deliver funds as soon as the next business day. So this service is suitable if your business needs money quickly.

Loan Features


Funding Circle loans range in size from $5,000 to $500,000. Repayment terms vary depending on the type of loan you choose. For example, business term loans can be repaid over a maximum of 10 years, while working capital loans must be repaid in 18 months. No matter what type of business loan you need, Funding Circle enables you to apply online and receive a funding decision within 24 hours.

  • Borrow $5,000 to $500,000
  • Receive funds in 1 business day 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 700 to qualify
  • Minimum monthly revenue of $20,000
  • Origination fee from 3.49%-6.99%
  • 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.

Once you submit the application, Funding Circle will contact you within 24 hours with a decision. You can choose from one or more loan offers and submit your supporting documentation online. Depending on the type of loan you select, funds can be available by the next business day.

How Much Can You Borrow? 


Funding Circle offers loans ranging from $5,000 to $500,000. However, the exact amount you can borrow varies based on your business’s revenue and the type of loan you need. Working capital loans are available from $25,000 to $400,000, while business lines of credit range from $6,000 to $250,000.

  • Must be in business for at least 2 years
  • Minimum 700 credit score required
  • Minimum monthly revenue of $20,000

Repayment Terms

Funding Circle offers repayment terms from 3 months to 10 years for business term loans and SBA loans. For working capital loans, the repayment term ranges from 6 to 18 months. Interest rates vary from 4.99%-27.79% APR and Funding Circle charges an origination fee of between 3.49% and 6.99% of your loan amount. There is no prepayment penalty for any loans. Most Funding Circle 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 4.5-star rating on Trustpilot.

Help & Support

You can contact Funding Circle’s customer support team by phone or email from 6 am-5 pm (PT), 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, 85 2nd Street, Suite 400, San Francisco, CA, USA 94105

Funding Circle Funding Circle View Rates

Summary

Funding Circle is a direct small business lender specializing in business term loans of 5 years. They also offer SBA loans, business term loans from 6 months to 10 years, merchant cash advances, business lines of credit, invoice factoring, and working capital loans. You can apply online in minutes and get a funding decision and money transfer in as little as 24 hours. Funding Circle has funded over $15 billion in 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.


Michael Graw
Written byMichael 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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Funding Circle
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Trustpilot reviews

See what some costumers are saying about Funding Circle
Funding Circle
AverageReviews 10,664
on
Excellent
82%
Great
6%
Average
1%
Poor
2%
Bad
9%
  • author
    MJR
    18 hours ago
    Easy to apply

    Easy to apply, helpful account manager who we could call with any questions, really quick and easy!

    ...

  • author
    Alfred Whittaker
    2 days ago
    Business loan

    We will always use Funding Circle for our business finance requirements professional at the highest level Thank you Paige and your team for organising this

    ...

  • author
    Hossain
    2 days ago
    The loan application process was…

    The loan application process was straightforward and got the approval in minutes. There was no traditional bureaucratic process to get the fund that our business needed. The staff was helpful and easily accessible. They accessed the financial requirements of the business by asking for some basic information about the business process and guided us accordingly. They were prompt in communication. Overall, it has been an excellent experience with Funding Circle.

    ...

  • author
    Polly Scott
    2 days ago
    Funding Circle the go to for funding

    Funding Circle have never failed to deliver and are always helpful and friendly. Their advice during these difficult times has been most helpful I have no hesitation in recommending their services.

    ...

  • author
    Kelly Fernandez
    2 days ago
    Paige was very helpful with everything

    Paige was very helpful with everything, Always a prompt and detailed response.

    ...

  • author
    Peter cain
    2 days ago
    From start to finish very efficient…

    From start to finish very efficient very professional was dealt with in a very good manner highly recommended regards peter p &l glass ltd

    ...

  • author
    Ginny Simkins
    2 days ago
    Funding circle are a refreshing change…

    Funding circle are a refreshing change from bank loans. We will definitely use them again. James was pleasant to deal with and we got the funding within 7 days. Thanks again

    ...

  • author
    Paul W
    2 days ago
    Excellent communication and very quick…

    Excellent communication and very quick service

    ...

  • author
    SarahC
    2 days ago
    Great service

    Great work from Kirsty, keep me informed all the way through the process, offered some great advice and ultimately got us the loan we needed. Would thoroughly recommend.

    ...

  • author
    Jane
    2 days ago
    Easy and quick to deal with, geared towards SME's rather than us contorting to fit their model

    We took a small business loan with Funding Circle before and I had liked that they are very much set up with SME's in mind and are all about what the business needs, rather than you having to bend to fit their model. I applied for a loan and asked some questions, Scott Walker was appointed to assist me and came through the whole process as my direct contact. They explained what they needed from me, and the timescale, supplied a full breakdown of 4-5 different repayment options, and again immediately and clearly answered my questions. There is great flexibility , we can pay back early with no penalty, the rate was competitive and everything could be dealt with quickly online so we went ahead. I would certainly recommend them to clients .

    ...

  • author
    Lewis Jenkins
    2 days ago
    Totally misleading

    Totally misleading. Lent money using this service and impossible to get it back again - 2 years after i closed my account they are still drip feeding my initial loan of thousands of pounds. Please ignore the 'shining' reviews and avoid like covid.

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  • author
    Stephen Taylor
    3 days ago
    I found Mathew our contact at funding…

    I found Mathew our contact at funding circle very helpful and prompt. A very effective service. Far better than Barclays

    ...

  • author
    Kerry Lamb
    3 days ago
    The application process was relatively…

    The application process was relatively straight forward to follow. Though there where a few things that I needed a bit of help with, but both the people who contacted me to from funding circle where able to help me resolve these issues quickly and efficiently. I have also been contacted about useful business resourced they provided too, so I am feeling very confident about our business future success with this level of support behind us.

    ...

  • author
    Mardi Gras Motorsport
    3 days ago
    Wow!

    Wow! James at Funding Circle was so helpful and efficient, we had a reply to our application with 2 days and funds in the bank with 4 days! Would recommend.

    ...

  • author
    Bespoke Interiors
    3 days ago
    Great service!

    Great service! Happy with the service from Funding Circle and Joana. Very easy to go through the application process and funding came through promptly.

    ...

  • author
    Daniel
    3 days ago
    This is the first time I have used…

    This is the first time I have used Funding Circle for business finance. Setting up a loan was a very simple and quick process and the couple of questions I had were expertly answered by Matthew my account manager. Starting the loan application to receiving the cleared funds took 3 working days. Should I need funds in the future I will be speaking to Funding Cirle first. Thanks very much.

    ...

  • author
    Kevin, Small Business Director
    3 days ago
    Funding Circle were very helpful and efficient

    Funding Circle were excellent to work with and made the process of supporting the growth plans of my business. Our adviser Alfred, was very knowledgeable and made the process much clearer than I've experienced with previous lenders or financial organisations generally, Definitely recommended!

    ...

  • author
    Sam Warren
    3 days ago
    Very good communication from the team…

    Very good communication from the team and worked to sort out issues promptly. Great service

    ...

  • author
    Darren Faragher
    3 days ago
    What an easy process handled…

    What an easy process handled professionally and with a very friendly manner!! I received an email from Funding Circle and given that my company is expanding needed additional funding so I just filled in the on line form. Within minutes I received an email confirming I could be accepted for funding. It gave me the contact details of Mr Matthew Barker. What a gentleman! He was totally professional throughout the process yet had such a friendly manner. He kept in daily contact and given the nature of my business was very patient when I couldn’t speak. The whole process took only 4 working days from initial contact to funds being paid into my account. I would like to thank Matthew for all his help and assistance, he is an absolute asset to Funding Circle!

    ...

  • author
    Punit Shah
    3 days ago
    Drowning in Junk Mail

    As others have commented, I'm drowned in physical junk mail from this company. I finally spoke to sombody on the phone and asked what the general process was for people to opt out. She could opt me out over the phone by me giving my company name, but she was not aware of any other processes to opt out. Tried to be put through to the department responsible - but were very evasive with any information.

    ...

  • author
    John Tarr
    3 days ago
    Had a loan and have been paying off the…

    Had a loan and have been paying off the guarantee and out standing debt without default the have sold my personal guarantee to Azzuro and have loved a default in my personal credit rating. NEVER EVER TAKE A LOAN WITH THESE PEOPLE NO COMMS NO WARNINGS JUST RUIN YOUR CREDIT RATING. I can not express how much they are not a hood risk. The government has backed BBLs loan supplier too. Come on FCA investigate!!!!

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  • author
    Nick Bowen
    4 days ago
    I can’t help contrasting the service I…

    I can’t help contrasting the service I received from Funding Circle with my previous experience with banks over the years. Funding Circle are very easy to deal with and don’t mess around. Prompt decision followed by funds within a week. Can’t argue with that..

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  • author
    Clare Slater
    4 days ago
    A hassle free service

    Everything was very smooth running from beginning to end. If there were any questions to be answered funding circle came on to find out the answers within a speedy time so nothing was held up. Once everything was completed the money was deposited with 48 hours. This was hassle free and the service was excellent.

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  • author
    Paul G
    4 days ago
    Excellent service

    Excellent service. Scott helped me through the process, which was smooth and effortless. Thank you Scott.

    ...

  • author
    CJ
    4 days ago
    Very quick and easy process

    Very quick and easy process, brilliant service thank you so very much

    ...

  • author
    Matt
    4 days ago
    Scraped my details from Companies House…

    Scraped my details from Companies House so they can send me junk mailings in an official looking brown envelope to make it look like an important piece of mail.

    ...

  • author
    Pulse Fabrications ltd
    Jul 19, 2021
    Excellent service, took the worry off our shoulders in one simple call

    We applied for a recovery loan on the 10th July and the funds were in our accounts on the 16th July. The paperwork was easy to fill out and the service we received was excellent. We can't recommend Funding circle enough.

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  • author
    Liam Magee
    Jul 18, 2021
    I would like to thank Harry who managed…

    I would like to thank Harry who managed my application from funding circle my experience was pleasant and quick.

    ...

  • author
    Peter Schmidt
    Jul 18, 2021
    Stay away from these cowboys.

    Stay away from these cowboys. Covid took my business, I was paying off a loan with an agreed amount which I had managed to pay off more than what was expected. They then sold the remaining debt without notice to Azzurro Credit who instead of making contact with me just stuck a default on my credit rating even though payments were on time and being made. Don't take the chance as this company will ruin your life.

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  • author
    Patricia Smith
    Jul 16, 2021
    Greg was helpful and informative but…

    Greg was helpful and informative but was obviously juggling phone calls but it wasn't a problem.

    ...

  • author
    Michael
    Jul 16, 2021
    Sam was extremely helpful and ensured…

    Sam was extremely helpful and ensured the process was very smooth. Have used Funding Circle before and would highly recommend as it is a very smooth and quick process

    ...

  • author
    Paul Marshall
    Jul 16, 2021
    Funding Without the Usual Hoops to Jump Through.

    Unlike trying to secure funding elsewhere, The Funding Circle made the experience a relative doddle and they were a pleasure to deal with, especially Li Yin Lam, who was our contact there. We can recommend them wholeheartedly.

    ...

  • author
    Gary Drewery
    Jul 16, 2021
    Very helpful assistance from Sam who…

    Very helpful assistance from Sam who took me through the process from first approach to completion.

    ...

  • author
    Aldan Ibbetson
    Jul 15, 2021
    Very good speed effortless service

    Very good speed effortless service, instant Yes decision and payout in 3 days, what else can i say, Excellent !!!!

    ...

  • author
    Mr Hunt
    Jul 15, 2021
    Extremely helpful

    Extremely helpful throughout! Highley recommend.

    ...

  • author
    Mihai Beletei
    Jul 14, 2021
    Do not use this scammers !!! Avoid them with all costs! 0 Stars!

    Do not use this scammers !!!! They are pretending to help! This is not true! Only get your dates and they will sell them!!! You get not help from them, NEVER !!!! Be aware!!! I had BBLS and now I have applied for Recovery Loan Scheme government guaranteed!!!! Decision in 30 seconds after you gave them all the details!!!! Guess What? Thank you for applying for finance through Funding Circle. We understand this is a difficult time for many small businesses and we're really sorry we can't help you right now. We’re always working on ways to help more businesses and we work with a range of partners who offer different finance products. We'll be in touch if we think they could help. You may be eligible for other government initiatives You can find more detail about the support available from the Government on their website. We hope you find the finance you need in these difficult times. Sooooo, AVOID THEM WITH ALL COST !!!!! As you can see all the 5 stars reviews are INVITED by THEM!!!! The real reviews are from uninvited peoples!!!! Real reviews!!!!!! Do not trust them!!!! It is simple!!!! They are protected by Government! Nothing to lose! But they have a lot to win by selling your details!!!!! SCAMMERS!!!!! Do not trust them, they have am answer for everything they want ;) All their good reviews are a LIE!!!!! What is the best good sell in this time???? YOUR DETAILS !!!! ;)

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  • author
    Marcin Krzysztof
    Jul 14, 2021
    Worst lender on the market don't used…

    Worst lender on the market don't used them

    ...

  • author
    Mark Allen
    Jul 14, 2021
    thank you to Harry Mowat was very…

    thank you to Harry Mowat was very helpful and made it very easy we can now move forward the whole experience was made very easy once again thank you Harry and Funding circle. A small butcher in Gorleston Norfolk

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  • author
    Georgina Crompton
    Jul 14, 2021
    Easy application and excellent response…

    Easy application and excellent response to emails from Matilda Davison. Everything explained fully and process was very smooth.

    ...

  • author
    Giles Miller
    Jul 14, 2021
    Great fast help

    Great fast help, thank you!

    ...

  • author
    Nikki Giles
    Jul 14, 2021
    Always a pleasure dealing with Funding…

    Always a pleasure dealing with Funding Circle. They are fast, efficient and very helpful.

    ...

  • author
    Darren Nicholls
    Jul 13, 2021
    This is an aggressive lender

    This is an aggressive lender. Do not get involved with them. I have had various loans over the years and always paid on time. When the pandemic hit we lost about 70% of our income, which resulted in us not being able to continue the payments. We have tried an IVA and 3 times they have knocked it back even though we have met the criteria and the other creditors have agreed. I have had severe anxiety and depression for over 14 years and even had to go to my Doctors to seek help and the stress of funding has contributed to my Doctor upping my pills to get me by. My Doctor even wrote to them on my behalf and they still knocked me back. I am at wits end and funding circle will be the downfall of my health. They just don’t care. They are to be reported to the government and hopefully they will be fined for not meeting our needs during this terrible time. So please consider another lender if you need to borrow as funding circle have no heart. Shameful company......

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  • author
    Julie Nicholls
    Jul 13, 2021
    If I could give zero I would

    If I could give zero I would. I have always paid my loans on time then the pandemic hit and my business was hit really bad and still suffering as we rely heavily on the holiday industry. We approached a debt management company who submitted an IVA all our creditors accepted except funding circle we increased our offer with the help of a family offer which gave them above the return they would normally accept and they rejected again. They are aggressive lenders and have not taken into consideration the effects of the pandemic on small businesses. Don’t approach this company for lending if we hit another pandemic you will get no support they just look to get a charge on your property. I understand the government will be looking into these type of companies as they did with banks in the past and hopefully large fines will be issued. Shame on them.

    ...

  • author
    Yasmeen Yousaf
    Jul 13, 2021
    Such a smooth easy process our account…

    Such a smooth easy process our account manager Gregg was so responsive got back to us straight away whenever we asked a question definitely reccomend 👌🏼👌🏼👌🏼👌🏼

    ...

  • author
    Clare Langley
    Jul 13, 2021
    It was very easy to apply online and we…

    It was very easy to apply online and we were emailed with our personal contact immediately. Harry rang to verify some details and confirm what we were looking for so that he could match us to the right product. We were approved a couple of days later and, once we accepted, the money was in our account within 2 days. Only gave 4 stars as we felt the arrangement fee was quite high as is the interest rate but we are planning to pay it back early and it is no reflection on Harry as he did his best to find solutions for us and has excellent customer service skills.

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  • author
    Kamal Chandrakumara
    Jul 13, 2021
    Time waster.

    They offered me a loan. Thereafter they got all my self and my company details and not granted the loan. Time waster.

    ...

  • author
    Lisa
    Jul 12, 2021
    Excellent

    Excellent, hassle free service. Highly recommend.

    ...

  • author
    stephen kelly
    Jul 12, 2021
    Greg was very helpful and professional.

    Greg was very helpful and professional. First class service, keep it up👍

    ...

  • author
    khalid ahmed
    Jul 10, 2021
    kept me up to date

    kept me up to date, great communication and always ready to assist with little time to waste thanks guys

    ...

  • author
    Kai Sebastian Price
    Jul 10, 2021
    Great service

    Great service. Responded quickly all my queries, funding came through quickly.

    ...

  • author
    Andrew Johnson
    Jul 09, 2021
    Expect a template response to this too.

    Secured a Govt backed CBILS loan for one of our businesses. Funding Circle then sent FULL details of the loan and repayments to a wrong email address in a major data breach. When highlighted they admitted it and stuck £50 into our bank account and told us that was that. This caused a ripple effect as all 30 staff quickly found out about it from the email and the first has now left leaving a large hole in the business, recruiting costs and retraining costs. Funding Circles response? ‘Wait up to 8 weeks for a final response and then you can contact the Financial Ombudsman if you are not happy’. Many weeks later another stock email ‘final response’ no effort to resolve. Just another attempt to brush a data breach under the carpet. We have now contacted the ombudsman and will pursue through the courts if necessary. Data breaches have serious consequences and businesses are obligated to protect data. Funding Circle do not seem to care at all. Now watch for a standard template response to this complaint. Point made.

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  • author
    Ian Moorhousea
    Jul 09, 2021
    Very fast and efficient service would…

    Very fast and efficient service would recommend to others.

    ...

  • author
    William
    Jul 09, 2021
    Very easy znd very quick

    Very easy znd very quick Great service and very helpful.

    ...

  • author
    Anita Mitchell
    Jul 09, 2021
    We found the whole process very…

    We found the whole process very efficient and professional and we were kept informed at each stage by our friendly account manager.

    ...

  • author
    Neale Gibson
    Jul 09, 2021
    Really impressed with the service

    Really impressed with the service from Sam our accounts Manager, kept us informed at all stages, great contact, lots of information, highly recommended.

    ...

  • author
    Peter Lowe
    Jul 09, 2021
    Fast and efficient

    Fast and efficient

    ...

  • author
    gordon mackay
    Jul 08, 2021
    Really simple and super fast…

    Really simple and super fast application procedure. Would recommend without hesitation

    ...

  • author
    Memo
    Jul 08, 2021
    Great

    It was an easy and quick. Thank you

    ...

  • author
    Paul Campbell
    Jul 08, 2021
    Excellent customer service thoughout

    Excellent customer service thoughout

    ...

  • author
    Gary Gill
    Jul 08, 2021
    Quick, effiecient, brilliant

    Funding Circle have helped us on a few occasions, very quick, effiecient and knowledgeable. We look forward to a long term relationship with them throughout our business years

    ...

  • author
    Paul Dobson
    Jul 08, 2021
    EXCELLENT SERVICE

    Paige walked us through the process and kept us up to date throughout Very simple and straight forward every time we have needed funds, Funding Circle has been very responsive and provide an excellent service.

    ...

  • author
    Jayne Cornwell
    Jul 07, 2021
    Fantastic service very speedy decision…

    Fantastic service very speedy decision and excellent communication

    ...

  • author
    Nikhil Patel
    Jul 07, 2021
    Very good Service and very professional…

    Very good Service and very professional service and very prompt answer 1000%

    ...

  • author
    Silviu
    Jul 07, 2021
    smooth process

    smooth process, all the way support from the account manager

    ...

  • author
    carl hewitt
    Jul 07, 2021
    From start( online application) to…

    From start( online application) to finish (receiving money)was less than a week! A big thanks to Greg who helped us. We wouldn’t go anywhere else for any funding.

    ...

  • author
    Donald Davies
    Jul 07, 2021
    Slick services and processes

    Slick services and processes. Excellent communication throughout the process

    ...

  • author
    David
    Jul 07, 2021
    Jonas and Scott were most helpful and…

    Jonas and and in his absence Scott were most helpful and efficient in effecting a quick and successful turnaround for the Company. Highly recommend their supportive and helpful approach.

    ...

  • author
    Daniel Pegler
    Jul 07, 2021
    Great Service from Funding Circle

    Great Service from Funding Circle, and in particular my account manager Blaine who was ace. Thanks for your help.

    ...

  • author
    Matt Spencer
    Jul 06, 2021
    Poor company

    Poor company . Had a loan with Fc, I then wanted to apply for RLS and If granted pay off the previous loan and just keep the RLS . Rejected even though I currently have a loan in place and never missed a payment , Their loss not mine , avoid this shower of crap and shop elsewhere .

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  • author
    Teresa Louisa Conradie
    Jul 06, 2021
    Very fast and efficient service

    Very fast and efficient service, highly recommend

    ...

  • author
    Wayne McCormack
    Jul 06, 2021
    Sarah Sheehan was absolutely excellent…

    Sarah Sheehan was absolutely excellent from start to finish. Funding circle are a excellent company and this is my second loan with them and are really good company to deal with and helping small businesses. Thanks again

    ...

  • author
    David Goldsbrough
    Jul 09, 2021
    FCA and peer to peer lending - suspension of secondary market.

    A year and a half after receiving a long response from Funding Circle on here about shifts in liquidity to do with the secondary market, the fact is that the secondary market is closed and it's not possible to withdraw the funds that you invested - just small dribs and drabs over many months, seemingly made up mainly ( or entirely ) of interest. I note the response by FC to another disgruntled lender on here, in which they talked about the investment being a ' medium to long term ' one, and that investment in FC should only be viewed in this light. Well I have news for FC - do they think that if a person bought into any number of investment trusts/funds ( which are generally considered to be a medium to long term investment ) that if at any point in time you wanted to liquidate your investment the people who administer the fund would turn around any say ' sorry, for now all selling of fund investments are suspended until a time in the future which is not yet known, but do please rest assured that we are monitoring the situation ' If they tried to do that then I would have thought that the FCA would shut the fund down and fine the people who run the fund in an instant. I have just checked, and FC is regulated by the FCA, so I intend to make a formal complaint to them - I just don't understand how investment funds and trusts can be regulated one way and peer to peer lending another way, to the extent that seemingly a peer to peer lender can suddenly suspend returning the funds invested in it by its lenders when they choose to do so. Anyway, I'm sure that the FCA will shed more light on this, however it's obvious to me that it's wrong that investment funds and trusts are put in the same bracket as peer to peer lending as ' medium to long term investments - when in fact they are totally different animals. Shares in a trust or fund may have gone down since you bought them, but they are totally liquid investments at any given time. Anyway, even if you accept the excuse about suspending the secondary market due to the pandemic, surely with all government restrictions being removed on July 19th what excuse can there be now to keep this policy in force ? IMO the only reason that there could ever be for suspending the secondary market is that there is zero demand from other investors for loan parts - there is no other way that it makes any sense. Again, I am keen to hear the FCA's opinion on this... UPDATE : I see that there is a reply from FC below, which is a carbon copy standard response which was also given to the last person who complained about the treatment of lenders. It's especially galling given that my reply addressed the standard FC response that these are ' medium and long term investments ' and then they go and repeat the same thing again with a duplicate standard response given to the last person - that's just not good enough ! They say that the secondary market is ' a feature of the platform ' but for now they have removed the secondary market so that lenders cannot liquidate their loans - so why make a virtue of something that you have suspended, with no idea given of if and when it will ever be resumed ? Can you imagine taking out a personal loan with a bank or any other lender and then telling the bank that for the time being you are suspending paying back the loan, but are happy to just pay back the interest - oh, and maybe in the future you might consider paying the loan back if it suits you do so at some vague and undetermined time in the future, with no input at all from the lender...

    ...

  • author
    Customer
    Jul 05, 2021
    Outsanding service i did not even have…

    Outsanding service i did not even have to make a phone call 5 emails were exchanged with all deatils etc and funding was in my account!!! Seriosuly first class service!! Will defo be my go to place for funding from know on!!

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  • author
    Thanos P
    Jul 05, 2021
    Quick decision and funding

    Quick decision and funding. Good communication throughout the process

    ...

  • author
    Autogate Services
    Jul 05, 2021
    Helpful and friendly

    Helpful and friendly - sometimes difficult to get hold of on the phone but always called/emailed back promptly

    ...

  • author
    Sam Harding
    Jul 05, 2021
    Very impressed all round

    Very impressed all round. The process was simple and our account manager Michael stayed in touch throughout. Would recommend and use again.

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  • author
    Kate Clark
    Jul 04, 2021
    Excellent service

    Excellent service. My funding circle manager Li, was brilliant. She kept me updated, answered emails and calls promptly and was friendly, professional and helpful. Would highly recommend

    ...

  • author
    Richard Hunter
    Jul 03, 2021
    Excellent service and turnaround times

    Excellent service and turnaround times. Cannot fault the service received.

    ...

  • author
    Phil Tyler
    Jul 03, 2021
    So straightforward and massively…

    So straightforward and massively helpful advisors thank you

    ...

  • author
    LAWRENCE BOBIN
    Jul 02, 2021
    Absolutely faultless

    Absolutely faultless. Exactly what we needed.

    ...

  • author
    June Grinstead
    Jul 02, 2021
    As usually Funding Circle were very…

    As usually Funding Circle were very helpful in finding a solution that works for me, they were easy to deal with and dealt with the application to funds being in my bank in a reasonable time.

    ...

  • author
    Spencer Lyon
    Jul 02, 2021
    Kirsty's help was invaluable.

    Kirsty has been an incredible help and was at the end of the phone whenever I needed assistance. Polite, friendly and very helpful. The attention to detail made the process very easy and stress free. I would highly recommend.

    ...

  • author
    SHAUN BRYANT
    Jul 02, 2021
    The usual great service from Funding Circle

    The usual great service from Funding Circle. Prompt, courteous and efficient. Paige was excellent and always acted quickly on any information we needed to provide. Thank you again for such great service!

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  • author
    Sylvia Olivas
    Jun 30, 2021
    They were the only lender who actually…

    They were the only lender who actually got our PPP loan funded. We went through Wells and Lendio before and they were unprofessional absolutely terrible with their knowledge of the program. Funding Circle kept us updated as promised via email and before we had lost all hope due to the other lenders we were funded. Thank you Funding Circle.

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  • author
    Robert Lewis
    Jun 30, 2021
    MADE A POTENTIALLY DIFFICULT PROCESS…

    MADE A POTENTIALLY DIFFICULT PROCESS VERY SIMPLE.

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  • author
    Mark Waller
    Jun 30, 2021
    I was contacted within hours of my…

    I was contacted within hours of my initial inquiry by a business manger who explained how the process worked and I sent through basic accounting details to start the application. I had an provisional acceptance within a few hours and the documentation arrived within few days. The funds arrived in my account a few days later and the whole process was both simple and prompt . A thoroughly efficient and prompt service

    ...

  • author
    customer
    Jun 30, 2021
    communication and process was easy and…

    communication and process was easy and worth it

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  • author
    Nic
    Jun 30, 2021
    A superb service that delivers good…

    A superb service that delivers good returns. The quality of their due diligence shone during the pandemic as the quality of the businesses I was lending to meant I was able to avoid losses. Just a great all round outfit.

    ...

  • author
    Linda Lamb
    Jun 30, 2021
    Really efficient and friendly

    Really efficient and friendly. Certainly recommend them,

    ...

  • author
    Bunty Stokes
    Jun 29, 2021
    RLS support through Funding Circle.

    We applied for an RLS through Funding Circle. It was a simple process to understand eligibility - happily we were eligible to apply. From approval onwards, we felt supported by our account manager and the process was easy to follow, thorough, quick and clear. Our account manager held our hand throughout the entire process and the funds became available with no protracted processes or complications. We are delighted to be supported by Funding Circle and these funds will help us navigate some of the recent challenges presented by COVID but equally position the business for growth.

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  • author
    Alan Coleman
    Jun 29, 2021
    Super support, again!

    This is the second time we have used Funding Circle and again they have given excellent service. I can not speak highly enough of Joana Costa, our account manager, who worked through various issues and It problems, kept us fully informed, and helped bring the agreement to a satisfactory close. Many Thanks.

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  • author
    Hugh Gallagher
    Jun 29, 2021
    DONT INVEST IN FUNDING CIRCLE...

    DONT INVEST IN FUNDING CIRCLE... Funding Circle have removed the secondary market for their loans so investors now have NO METHOD of liquidating their loans. I am raising a formal complaint with the Ombudsman. They have left their investors high and dry. BUYER BEWARE!

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  • author
    Richard Latham
    Jun 29, 2021
    Alfred understood our needs and…

    Alfred understood our needs and circumstances and put in action what was necessary to make things happen. Five Stars ***** from me to Alfred and the whole team at Funding Circle.

    ...

  • author
    Lumumba Lloyd
    Jun 28, 2021
    Construction

    Working on houses an fixing floor an window

    ...

  • author
    David Wavre
    Jun 28, 2021
    Harry Mowat was absolutely brilliant at…

    Harry Mowat was absolutely brilliant at keeping in touch, and explaining things throughout the process.

    ...

  • author
    Gary Beck
    Jun 26, 2021
    Fantastic service

    Fantastic service, very efficient. Funding Circle made the process very easy.

    ...

  • author
    Gabriel Ofei
    Jun 26, 2021
    They are full of crap

    They are full of crap

    ...

  • author
    Yvonne Sinclair
    Jun 26, 2021
    Quick and Efficient Application Process

    Fairly simple application process. Quick and efficient. Decision and offer came back within 48 hours and when agreement was made the funds were available within 24 hours. Decent interest rates comparable to other offerings on the market. Scott Walker was the account manager who handled everything for us and communication was excellent. A very pleasant individual to deal with. This is the second time our business has received funding from them and would absolutely recommend Funding Circle.

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  • author
    Sara Nunn
    Jun 26, 2021
    Many thanks to Kirsty for her support…

    Many thanks to Kirsty for her support and guidance throughout the process of getting the loan. Kirsty took all the hassle and stress away and was prompt and professional.

    ...

  • author
    jagdish kumar
    Jun 25, 2021
    Joanna costa has been very helpful

    Joanna costa has been very helpful. Equally pleasant.

    ...

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