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Funding Circle is one of the largest non-bank accredited Growth Guarantee Scheme lenders, known for fast, largely-online decisions and a strong appetite for established small businesses that may not fit a high-street bank’s template. Decisions are often days rather than weeks.
Funding Circle is one of the largest non-bank accredited Growth Guarantee Scheme lenders, known for fast, largely-online decisions and a strong appetite for established small businesses that may not fit a high-street bank’s template. Decisions are often days rather than weeks.
Best suited to: Established small businesses wanting speed and a lighter-touch online process, including those declined or stalled by a high-street bank.
Funding Circle prices for risk and works to its own affordability model, so it is not always the cheapest — but it is frequently the fastest. Comparing it against the banks and other specialist lenders on the panel is how you balance speed against headline rate.
That is exactly what a whole-of-panel enquiry is for: see Funding Circle alongside the other accredited lenders, then pick on rate, term, speed and security — not just on who you already bank with.
You can approach Funding Circle directly, or run one enquiry through us and we’ll include Funding Circle-style options alongside the wider accredited panel. Either way the scheme rules are the same.
Yes — Funding Circle is an accredited lender under the British Business Bank Growth Guarantee Scheme, the UK Government-backed successor to the Recovery Loan Scheme. Accredited lenders can offer GGS-backed term loans, and in some cases overdrafts, asset finance and invoice finance.
The scheme allows £25,001 to £2,000,000 per business group. The amount Funding Circle — or any accredited lender — will actually offer depends on your filed accounts, bank statements, the use of funds and director affordability.
No. The Business Hub is an independent UK credit broker, not a lender and not affiliated with Funding Circle. We help you compare Funding Circle’s GGS proposition against other accredited lenders. You are always free to apply to Funding Circle directly.
Funding Circle prices for risk and works to its own affordability model, so it is not always the cheapest — but it is frequently the fastest. Comparing it against the banks and other specialist lenders on the panel is how you balance speed against headline rate. Comparing accredited lenders side by side is the simplest way to be confident you have the best available rate, term and speed for your situation.
Often, for material directors — this is common across all GGS lenders, including Funding Circle. Importantly, British Business Bank rules state that your principal private residence cannot be taken as security under the Growth Guarantee Scheme.
Every page below feeds the same panel of British Business Bank-accredited GGS lenders. Pick the deep-dive that matches your question, or jump to grants and alternative funding routes.
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