Funding Circle Holdings

71 Queen Victoria Street, London, EC4V 4AY, United Kingdom , Greater London
4.5
24 Reviews
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Business Name: Funding Circle Holdings plc

Business Headquarter: United Kingdom, London

Business Category: Fintech / Small Business Lending Platform

Funding Circle Holdings plc (LSE: FCH) is the UK’s leading SME finance platform, dedicated to helping small businesses get the funding they need to win. Since its inception in 2010, the platform has extended over £17 billion in credit to more than 125,000 businesses. Our mission is to build a better financial world by uniting cutting-edge data and technology to deliver an unbeatable customer experience.

Our value proposition is built on 15 years of proprietary data and AI-powered credit models that are 3x more accurate at discriminating risk than traditional bureau scores. In 2026, Funding Circle has evolved beyond term loans into a comprehensive ecosystem where SMEs can borrow, pay later, and spend. With an instant decision technology that provides answers in minutes and a Trustpilot score of 4.6, we serve as a trusted financial partner to the UK's SME economy, supporting hundreds of thousands of jobs and generating billions in GDP.

Business Helpdesk Number: 0800 048 2467 (Customer Support) / 0203 308 9190 (Loan Servicing)

Founder Name: Samir Desai, James Meekings, Andrew Mullinger, Sam Hodges; Lisa Jacobs (Current CEO)

Founded Date: January 13, 2010

Phone Number: 0203 467 6602

Email Address: contactus@fundingcircle.com / ir@fundingcircle.com

Website URL: https://www.fundingcircle.com

Physical Address: 71 Queen Victoria Street, London, EC4V 4AY, United Kingdom

Landmark: Near Mansion House Station / St. Paul's Cathedral

Service or Products: Business Term Loans, FlexiPay (Line of Credit), Cashback Business Card, Growth Guarantee Scheme Loans, Marketplace Lending Partnerships.

Amenities: Instant Decision Technology, Dedicated Business Account Managers, Hybrid Working "Circle" Hubs, Online Borrowers' Portal.

Accepted Payment Methods: Direct Debit, Bank Transfer (BACS/CHAPS), FlexiPay Credit Line, Card Payments.

Languages Supported: English.

Specialization: SME Lending, AI Credit Risk Assessment, Embedded Finance, Working Capital Solutions, B2B Payments.

Certifications: FCA Authorised and Regulated, LSE Listed (FCH), 2022 AltFi CEO of the Year (Lisa Jacobs), Innovate Finance FinTech PowerList.

Social Media Links: LinkedIn, Twitter/X, Facebook, Instagram

Business Registration Number: 07123934

Brand Association Name: Funding Circle, FlexiPay, TNT Sports (Official Partner), Gallagher Premiership Rugby (Partner).

Working Hours: Monday–Thursday: 09:00 – 18:00; Friday: 09:00 – 16:30.

Year Founded: 2010

Service Area Radius: National (United Kingdom)

Brands: Funding Circle, FlexiPay.

Number of Employees: ~750

Associations: Innovate Finance, UK Finance, Peer-to-Peer Finance Association (P2PFA), ScaleUp Institute.

FAQs

1. How fast can I get a decision on a business loan?
Through our instant decision technology, many businesses can receive a quote and a decision in as little as 3 minutes. Once approved, the funds are typically in your account within 24–48 hours.

2. What is "FlexiPay" and how does it differ from a loan?
FlexiPay is a line of credit designed to help you manage your cash flow. Unlike a term loan, it allows you to pay for business invoices or purchases upfront and spread the cost over 3 months at 0% interest (with a flat transaction fee).

3. Does Funding Circle still support sole traders?
As of February 23, 2026, Funding Circle no longer accepts new applications from sole traders and partnerships with fewer than four partners. We now focus exclusively on Limited Companies and Limited Liability Partnerships (LLPs).

4. How does Funding Circle's AI improve my chances of getting a loan?
Our AI-native models analyze over 10 billion proprietary data points to get a deeper understanding of your business health. This allows us to say "yes" to many businesses that might be turned away by traditional high-street banks.

5. Can I repay my loan early without penalties?
Yes. You can settle your Funding Circle loan at any time. We do not charge early repayment fees; you only pay the interest accrued up to the date of settlement.

IMPORTANT NOTE: In March 2026, Funding Circle announced it reached its 2026 revenue guidance a year early, achieving £204m in revenue for 2025. The company has successfully transitioned into an AI-native multi-product platform, with over 50% of new credit now coming from innovative products like FlexiPay and the Cashback card.

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Quick Information

Business summaryFunding Circle provides fast, affordable business loans and flexible credit. Get an instant decision and join over 125,000 UK businesses we've backed.
Year of Establishment2010
AssociationsInnovate Finance, UK Finance, Peer-to-Peer Finance Association (P2PFA), ScaleUp Institute.

Support

Contact the official Funding Circle Holdings Support Number for fast, reliable assistance in the Business Services industry. The Funding Circle Holdings customer care team is available to handle inquiries. You can also access the Funding Circle Holdings official website at www.fundingcircle.com for complete service details. For written queries, use the Funding Circle Holdings support email. Located at 71 Queen Victoria Street, London, EC4V 4AY, United Kingdom, London, Greater London United Kingdom.

Reach the Funding Circle Holdings contact number to connect with verified experts in the Business Services sector. The Funding Circle Holdings helpline offers quick resolutions and trusted guidance. You can also contact the Funding Circle Holdings support team through official Funding Circle Holdings email for professional assistance.