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Funding Circle

The starting point of Funding Circle as a lender to entrepreneurs is crowdfunding . Investors can register separately on the platform and choose how much (from $ 100) they want to lend, and to which companies. Registering as an investor is free of charge and without obligation. Funding Circle was founded with the purpose of crowdsourcing corporate credit in the United Kingdom, but now also operates in other European countries, as well as the United States.

Funding Circle's crowdfunding concept has benefits for investors and entrepreneurs. As an entrepreneur, you can apply for credit for a specific purpose, which investors can see. Such an application will be assessed within 24 hours, after which you will receive a non-binding offer. If you agree, your credit application will be opened for a few days to investors who can subscribe to it. Payment is made as soon as the required credit amount has been reached. You can apply for crowdfunding credit of $ 10,000 to $ 250,000, with a term of 6 to 60 months (5 years).

funding circle

Cost of a loan from Funding Circle

Credit limit Interest Duration
$ 10,000 3.79% maximum 60 months
$ 250,000 3.79% maximum 60 months

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  • Credit application, credit check and offer are free and without obligation.

  • Funding Circle offers a high level of service: you receive free personal advice and an account manager.

  • The only costs that are charged to entrepreneurs are interest and a rate for credit intermediation, the amount of which depends on the term.

  • Repayment is done by direct debit: you do not have to worry about it.

  • Early repayment will not result in a fine.

  • You have engaged investors and generate attention for your company profile through crowdfunding.

  • You will receive an assessment within 24 hours: very quickly compared to other providers!


  • Waiting for investors can take anywhere from days to weeks - so you may have to wait a long time for your money.

  • It is also possible that you are not able to collect the full amount of credit required via Funding Circle.

  • Agency fees are deducted from the amount paid out.

Do you want to know more?

Read more on the Funding Circle website

More about Funding Circle

Method and conditions


Because Funding Circle does not provide money directly, but acts as a mediation platform between entrepreneurs and investors, applying for and granting the credit is different from many online providers of business credit. You should count on a longer turnaround time and a more stringent verification process of your credit application, and take into account that the requested amount will not be achieved or only partially.

Applying for credit at Funding Circle is done online, but you also need to submit various documents: annual accounts, bank statements, a recent income tax return and possibly additional documentation. Once all necessary documents have been received, they are assessed by experts, including on the basis of a credit check. You will usually receive a message about this within two working days.

Funding Circle will classify your credit application in a specific class based on the credit check performed. This class determines how much interest and agency fees you must pay. This will be communicated to you in the form of an offer. If you accept this offer, Funding Circle will release your credit application to investors for three weeks. Funding Circle can extend this term once or pay out part of the credit if the full credit amount has not been reached.

You can repay the investors via monthly automatic debits. Funding Circle will collect these and will ensure distribution among the investors. These payments are only payments and interest. Please note that Funding Circle will deduct the brokerage fees on your credit in one go when paying out the loan amount to you. You will therefore receive less than you requested.


  • The minimum turnover of your company is $ 30,000 per year (excluding VAT).
  • For a credit application, you must be able to submit at least 2 complete annual accounts of 12 months.
  • The company is established in the Netherlands and registered with the Chamber of Commerce.
  • The owner of the company lives in the Netherlands and personally guarantees the loan.

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