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Fast Funding for Business Owners

Get $25,000 - $500,000 in as little as 2 days 1,2

Unlock a Business Term Loan with fixed rates and predictable monthly payments. See if you qualify today without any risk to your credit.

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"Funding Circle gave me the spark I needed to hire top-notch staff and more than double my revenue last year."
‍- Dorika Beckett, Owner of LiveWell Home Care
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Our requirements:

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2 years or more in business
With $50,000 or more in annual revenue
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Seeking $25,000 or more in funding
Not for Commercial Real Estate use
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Strong personal & business credit scores
Starting at 660 FICO

Running a business can be challenging...
applying for funding shouldn't be.

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"The process was very easy, and I'm very excited about my new product line."
- Bruna Piauí Graf, founder of Bruna's Brazillian Cheese Bread
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Apply online for free
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No repayment penalty
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Personal 1-1 Support
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Term length up to 84 month 1

One application, multiple funding options

Fill out a simple, online application in as little as 5 minutes to see if you qualify for multiple products at once! Once complete, your Dedicated Funding Specialist will walk you through your options and help you select the best choice for your business.

Business Line of Credit

Revolving Funds

Credit lines up to $150K
Same-day financing 2
Only pay interest on funds used

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No repayment penalty

Business Term Loan

Fixed Rates

Term lengths up to 7 years 1
Funding from $25K - $500K 1
Funds in as few as 2 days 2

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No prepayment penalty

SBA 7(a) Loan

Government backed

Borrow from $75K - $5M
Term length up to 10 years
Funds delivered 3x faster than the industry average through our network of lending partners 4

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Flexible Funding Solutions

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Cover payroll expenses
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Invest in new technology
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Purchase inventory in bulk
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Pay-down equipment purchases
Client image Dr. Celina Hatt
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"I needed a lender that believed in my ability as an entrepreneur."
Dr. Celina Hatt, Owner, of Mid-Valley Veterinary

An Online Lender You Can Trust

“Holly and team at Funding Circle, well done for your great professional service, discharged with super integrity, personalised, and above all very personable. This is the second time i have financed through Funding Circle. Holly you are a fantastic ambassador for Funding Circle, always very timely and reverting and dealing with all matters very competently.”

– Krishna, March 2022

“It was a pleasure working with Funding Circle and they helped me through the rough times of the pandemic.I would strogly recommend them to any of my clients as well as myself again if needed.”

– John, February 2022

“We needed a loan to enable the purchase of a pure electric van for our local garden design and landscaping work. Funding Circle were absolutely brilliant from start to finish. They made the process a pleasure and we actually got most of the money we needed within a couple of days. Very competitive interest rates too. Thoroughly recommended.”

– Paul, February 2022

“We were looking to expand our business and funding circle was our choice of help. Having been recommended by other businesses, the whole process was fluid and easy. Support was there every step of the way and still is.”

– Dan, August 2022

“Thank you - a very comprehensive, professional and quick financial service. Ideal for relatively small businesses such as ourselves & thank you again.”

– Tim, January 2022

“I applied for a loan to grow my business. It was approved in minutes and funds were in the account within 3 days. Amazing service and great communication and feedback.”

– Gerry, January 2022
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Check out our 15,056  reviews
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Best Small Business Loan for Low APR
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  • Established Businesses
  • Established Minority-Owned Businesses
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Helping business owners since 2010

$21.2B
lent globally
143K
companies
700
industries
Transparency is Key
By providing clear and upfront terms, you can spend less time applying for funds and more time using them to grow your business.
We're anti-frustration too
Receive 1-on-1 support from your US-based dedicated Account Manager who will help you discover the best lending solution for your business.
You're in control of your business' growth
Take advantage of new opportunities or cover unexpected expenses as soon as they come up.
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The easy 3-step application process:

Speak to your Funding Specialist today!

#1

Apply in minutes

Our simple, online application takes just minutes to complete. See if you’re approved today with no cost, obligation or impact to your credit score.
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Dedicated Funding Specialist

Once you’ve taken a moment to upload your documents, a dedicated Funding Specialist will be in touch to provide 1-on-1 support for all of your funding needs.
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Get approved & funded

If you’re approved and accept our offer, we’ll finalize the details and have funds sent directly to your account in as little as 48 hours.
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Check now to see if you qualify with no risk to your credit!

Frequently asked questions:

1. Is there anapplication fee?

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a. Funding Circle dos not charge an application fee - applying comes at no cost and obligation to you. However, do be aware that this does not include your loan’s final closing costs.

2. What is the APR for Funding Circle’s business term loan?

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a. The APR for our business term loan will vary depending on creditworthiness and the term length selected, meaning that there’s no set rate for every customer. Apply today to find out what rate your business may be eligible for!

3. Does applying for a business term loan require a hard pull on my credit?

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a. In most cases, no. Typically, our application only requires a soft pull on your credit, meaning that your overall credit score won’t be affected by applying.

4. Do I have to provide collateral?

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a. Some term loans do require collateral, such as personal or business assets, based on your lending partner and the duration of your loan. While it is always best to check with your Account Manager, most long-term loans (those between 3 and 5 years), which can be used for a major investment such as an expansion, may require some type of collateral.

5. How does repayment work?

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a. Term loans are repaid with fixed payments over a fixed period of time (the “term”) - anywhere from six (6) months to seven (7) years - in monthly installments.

6. Can I make prepayments on my balance? Is there a prepayment penalty?

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a. Funding Circle proudly allows prepayment on your business term loan, with no prepayment penalty whatsoever.

7. What fees do you charge?

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a. Our pricing structure is simple and transparent. We won’t try to nickel-and-dime you by tacking on surprise fees.

  1. i. One-Time Origination Fee around 4.5% - 10.5%
    1. 1. A single one-time fee to cover the costs of evaluating and originating your loan. Funding Circle doesn't charge any fees until our Borrowers agree to receive a loan through us. This fee is based on the strength of your credit profile and term length chosen. This fee will be collected upfront at the time the loan is issued.
  2. ii. Late Payment Fee: 5% of missed payment
    1. 1. If your monthly payment is late, you will be charged a fee on the missed payment. This fee is added to your original monthly payment, withdrawn from your account and passed directly onto investors

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1 Rates, terms and maximum loan amount may vary according to the overall creditworthiness of the applicant and financing product selected. To see what your business may qualify for, apply today at no obligation. Approval and funding times may vary by lending partner and financing product selected. All loan offers and qualifications require credit approval and are subject to change with or without notice.
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2 Approval and funding times may vary by lending partner and financing product selected. Decisions on loan approval within 24 hours after document submission.

4 The industry average to receive SBA 7(a) loan funds post-complete application package submission typically ranges between 27-49 days. Through Funding Circle’s SBA 7(a) lender partner, applicants may receive SBA 7(a) funds as soon as 13 days after the submission of a complete application package.
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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).

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

Copyright © 2024 Funding Circle Limited. All rights reserved.
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Funding Circle named Forbes Advisor Best of 2022
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  • Established Businesses
  • Established Minority-Owned Businesses