Funding Circle Business Loans
Small business loans from £10,000 to £500,000. Apply online in minutes. Decisions within 24 hours. Trusted by 130,000+ UK businesses.
Last checked on September 4, 2026. We may earn a commission when you click through.
Funding Circle Business Loans
Updated 1 month agoAPR Range
6.9–29.9%
Amount
£10k–£500k
Term
72–72 months
Type
Business
You'll be redirected to fundingcircle.com
Our Verdict
Funding Circle offers quick and flexible business loans tailored for UK SMEs, with a straightforward online application process.
Best For
It's ideal for small to medium-sized enterprises seeking funding between £10,000 and £500,000, especially those needing a fast decision.
Watch Out
Be mindful of the interest rates, which start at 6.9%, and ensure your credit meets their fair credit criteria.
Full Review
Funding Circle provides a streamlined approach to business financing, allowing businesses to borrow between £10,000 and £500,000 with terms ranging from 6 months to 6 years. The application process is user-friendly, taking just minutes, and decisions are made within 24 hours, which is a significant advantage for those needing quick access to funds. The company is FCA regulated and LSE listed, lending it credibility in the competitive financial landscape.
However, potential borrowers should be cautious of the starting APR of 6.9%, which may not be the lowest available in the market. Unlike some alternatives, Funding Circle does not charge early repayment fees, allowing businesses flexibility if their financial situation improves. The support from a UK-based team is an added benefit, ensuring that help is readily available when needed.
In comparison to other lenders, Funding Circle stands out for its focus on small businesses and quick processing times, but it's essential to carefully evaluate your business's credit status and the total cost of the loan before committing.
Requirements
- UK-based business
- Limited company or LLP
- Soft search available
- Apply online in 7 minutes
Similar options
Metro Bank Business Loan
BusinessAPR
6.0–15.0%
Amount
£1k–£250k
Term
12–60mo
Best for: Small business owners with a solid banking relationship who need quick funding for operational expenses.
365 Finance Business Loan
BusinessAPR
—
Amount
£10k–£500k
Term
—
Best for: Small to medium-sized UK businesses needing rapid funding without extensive documentation.
Yorkshire Bank Business Loan
BusinessAPR
6.0–15.0%
Amount
£1k–£250k
Term
12–60mo
Best for: UK-based businesses with previous relationships with Clydesdale or Yorkshire Bank, needing flexible loan amounts.
APR
—
Amount
£10k–£5M
Term
—
Best for: UK-based B2B businesses with a minimum annual turnover needing cash against outstanding invoices.
Barclays Business Loan
BusinessAPR
5.0–15.0%
Amount
£1k–£100k
Term
12–120mo
Best for: Established UK businesses with a solid credit history seeking flexible funding options.
iwoca Business Loans
BusinessAPR
18.0–49.9%
Amount
£1k–£500k
Term
1–24mo
Best for: These loans are best for businesses looking for quick access to funds without lengthy application processes and those that prefer a revenue-based assessment.