Funding Circle Review 2025
Commercial lender for small businesses, no longer offering retail P2P investing.
What is Funding Circle?
Funding Circle permanently closed its retail P2P business in March 2022, transitioning to a commercial lender model. The company reported profitability in 2024 with £3.4M profit and focuses on institutional funding for SME loans up to £1M.
Founded in 2010, Funding Circle has established itself as a notable player in the peer-to-peer lending space.
Investment Returns
0.0%
Average annual return
Getting Started
$0
Minimum investment required
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Pros & Cons
Pros
- Profitable and stable company (2024)
- Strong SME lending track record
- Large loan amounts up to £1M
- Institutional backing and funding
- Sold struggling US operations
Cons
- No retail P2P investing since 2022
- Limited to business borrowers only
- No investment opportunities for individuals
- Closed secondary market permanently
Quick Stats
0.0%
Avg Return
$0
Min Investment
0%
Platform Fee
3.8
Rating
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