- CEO
- Lisa Jacobs
- Full Time Employees
- 778
- Sector
- Finance
- Industry
- Finance/Rental/Leasing
- Address
- 71 Queen Victoria Street London GL United Kingdom EC4V 4AY
- IPO Date
- Sep 28, 2018
- Business
- Funding Circle Holdings plc (LSE: FCH) operates as the United Kingdom's leading small and medium-sized enterprise (SME) finance platform, providing loans and financial services to SMEs through a proprietary technology and data platform that enables quick access to funding; its core offerings include UK term loans from £10,000 to £750,000 with terms of six months to six years, FlexiPay as a flexible line of credit up to £250,000 for supplier payments with repayment options of 1, 3, 6, 9 or 12 months, Cashback Business Credit Card for everyday spending with no foreign transaction fees, and a marketplace connecting borrowers directly or via brokers with institutional lenders; additional products encompass asset, vehicle, agricultural and equipment finance, recovery loan schemes, and business finance solutions. [image not cited]
The company, founded in 2010 and headquartered at 71 Queen Victoria Street in London, England, primarily serves UK SMEs with term loans and FlexiPay as its principal reporting segments, while incorporating other loans operations in term lending businesses in Germany and the Netherlands; it has facilitated over £16 billion in credit to more than 110,000 SMEs since inception, with £2.8 billion in loans under management, and maintains subsidiaries including Funding Circle Ltd, Funding Circle CE GmbH and Funding Circle Global Partners Limited.
Funding Circle focuses operations on the UK following the June 2024 completion of its US business sale to iBusiness Funding LLC for £33 million in cash consideration, which included all US loan portfolios and generated a £10 million gain before costs, enabling a strategic shift to profitable UK growth; recent developments include the September 2025 renewal of a £750 million forward funding commitment with Waterfall Asset Management and BNP Paribas surpassing £3 billion total financing, a £300 million forward flow agreement in September 2025 with TPG Angelo Gordon and Barclays, a £230 million credit facility from Citi in June 2025 for FlexiPay expansion, a £200 million forward flow deal with Deutsche Bank in July 2025, extension of Bayview partnerships surpassing £1 billion in funding via J.P. Morgan and Citi facilities in April 2025, launch of the market-leading Cashback Business Credit Card in September 2024, its ninth UK public securitisation SBOLT 2025-1 in May 2025, and partnerships such as with TNT Sports as official business finance partner in October 2025 and charity initiatives like Hatch Enterprise's "Get Ready to Start" programme in May 2025.