Funding Circle
UK SME lending platform offering business loans, FlexiPay line of credit, and cashback business credit cards
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Rating breakdown
Pros
- Multiple products: business loans, FlexiPay, credit cards
- Quick online application (7 minutes) with fast decisions
- Fixed interest rates from 6.9% per year on loans
- 2% cashback on business credit card (first 6 months)
- Excellent Trustpilot: 16,682 reviews
- Premiership Rugby sponsor — established brand
Cons
- Business lending only — not for personal investors
- UK only
- Limited company requirement for some products
- Completion fee charged on business loans
Platform & features
Available on
Key features
Availability
Languages
Available in 3 countries
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Last verified: 23 March 2026. Data confidence: high. Full risk disclaimer