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United States Arrow down Germany The Netherlands United Kingdom United States phone icon (855) 385-5356 phone icon Call us padlock icon Sign in menu icon More Fast, affordable business loans COVID-19 Relief COVID-19 Relief Learn about the Paycheck Protection Program. Paycheck Protection Program PPP Forgiveness COVID-19 Resources Paycheck Protection Program Calculator Funding Solutions SBA Loans Business Term Loans Merchant Cash Advance Business Line of Credit Invoice Factoring Working Capital Loan Manage my loan About Us About Us Find out how we're building a better financial world. Newsroom Our Impact Careers Contact Us More Resources Partner with Us Loan Calculator Apply Now Less United States Arrow down Germany The Netherlands United Kingdom United States COVID-19 Relief Learn about the Paycheck Protection Program. Paycheck Protection Program PPP Forgiveness COVID-19 Resources Paycheck Protection Program Calculator Funding Solutions SBA Loans Business Term Loans Merchant Cash Advance Business Line of Credit Invoice Factoring Working Capital Loan Manage My Loan About Us Find out how we're building a better financial world. About Us Newsroom Our Impact Careers Contact Us Resources Get inspired, read advice, and learn how to help your business thrive. Resource Center Borrower Stories Loan Calculator Borrower Bill of Rights Apply now padlock icon Sign In URGENT NOTICE REGARDING FRAUDULENT EMAILS Close Urgent Notice regarding fraudulent emails Funding Circle is posting this message to alert you to a current email scam that was recently brought to our attention, in which fraudulent emails appearing to come from a Funding Circle employee were sent to some of our customers requesting that they provide copies of the customer's tax returns, driver's license and voided checks. The emails we have identified have Subject Lines that may read "Completed: Funding Circle Loan, " or something similar, and the emails sometimes include a link to click to review and sign a document. If you received any loan-related email from us recently, or if you do receive such an email from a fundingcircle-us.com or fundingcircle-usa.com email address, we urge you to not click any links or respond to the email until you have contacted Funding Circle directly to verify that the communication is legitimate. Paycheck Protection Program SBA 7(a) Loan Small Business Loan Line of Credit Working Capital Merchant Cash Advance Invoice Factoring Paycheck Protection Program Now accepting applications for first and second draw PPP loans from new and existing borrowers. Apply now Get SBA 7 (a) funds 3 x faster Funds as fast as 14 days after completed application package, that’s compared to the industry average of waiting 27-49 days for funds! Get started or Learn more “ Best business loan with a low APR” by Money Magazine (Nov. 2020) Fast, affordable small business loans. Term Loans ranging from $25,000 to $500,000 and up to 10 year repayment terms with rates as low as 4.99%* Get started or Learn more Line of Credit Looking for a low obligation way to steady cash flow? Draw out funds only when you want to, and pay interest only on what you take out. See all your options - get started in just 6 minutes. Get started or Learn more Working Capital Cash flow is the lifeblood of your business. Increase your cash flow without taking on a long-term debt obligation. See all your options - get started in just 6 minutes. Get started or Learn more Merchant Cash Advance Don't let fluctuating cash flow stop you from accessing business capital. Get a lump sum upfront and pay with a percentage of your future credit and debit sales. See all your options - get started in just 6 minutes. Get started or Learn more Invoice Factoring Unpaid invoices getting in the way of growing your business? Choose which outstanding invoices you want to factor and receive up to a 90% advance. See all your options - get started in just 6 minutes. Get started or Learn more Paycheck Protection Program Now accepting applications for first and second draw PPP loans from new and existing borrowers. Apply now SBA Loan Low rates and long terms, use this loan for almost any business purpose. Term Loan Get the money you need for your business, without long wait times or unpredictable cash flow. Line of Credit Draw out funds only when you want to, and pay interest only on what you take out. Working Capital Increase your cash flow without taking on a long-term debt obligation. Merchant Cash Advance Get a lump sum upfront and pay with a percentage of your future credit and debit sales. Invoice Factoring Choose which outstanding invoices you want to factor and receive up to a 90% advance. One application, multiple funding options Funding Circle was created with a big idea: to revolutionize the outdated lending system and build a better deal for small businesses. With one 6 minute application we can help you find the right financing options for your needs, from lines of credit to term loans, cash advance and even Small Business Administration (SBA) loans. Let's get started. 01 Start your online application Apply online in 6 minutes with one simple application. 02 Review your options Your dedicated Account Manager will contact you as soon as possible to review your needs and help you find the best funding option for your business. 03 Get funded Get a decision in as little as 24 hours and funding as soon as the next day accepting an offer. 1 SBA Loan Term Loan Merchant Cash Advance Working Capital Line of Credit Invoice Factoring Since 2010, Funding Circle has helped businesses in over 700 industries access the capital they need. Over $12 billion lent to 90,000 small businesses globally. Here with you through it all Tali Bouskila, the owner of Flower Casita, a flower shop and design studio, understands the importance of adaptability. After a series of wildfires she had to become more resourceful than ever. See how Funding Circle was able to help business bloom again. Read more "My bank fumbled processing of my PPP loan. I contacted Funding Circle a few days before the June expiration and they got my loan processed an I got my loan within a couple of weeks. Any questions I had I was able to talk with my accounts rep, who was very helpful and kept me upto date on every step." By Henry Yiu Rated 4.8 / reviews "It was extremely easy to work with the people at Funding Circle. They were very patient, very detailed in what the would need from us and very accurate on the timeline under which we were working. They communicated with us and kept us in the loop the entire time and then followed up after a short period of time, to confirm that we had received our loan and ask if we had any questions or concerns. The total experience was a dream..." By Galen Metz Rated 4.8 / reviews "My experience was excellent! Application process was simple. The employee that helped me was very friendly personable. I would definitely recommend them for anyone interested in applying for a loan. If I need to apply for a loan in the future, I will go to Funding Circle!" By Ali Syed Rated 4.8 / reviews Our commitment to trust and transparency We believe small businesses should be protected from unfair, deceptive financial practices – that’s why a thoughtful approach to regulation and compliance is one of our core differentiators. Trust We co-wrote the first standard for a transparent, accountable, and fair small business lending market, The Small Business Borrowers’ Bill of Rights. Transparency As a member of the The Innovative Lending Platform Association (ILPA) we are dedicated to advancing best practices and standards that support responsible innovation and access to capital for small businesses. 1 Funding Circle may partner with other lenders to provide a full range of loan options to qualified borrowers. Approval and funding times may vary between lending partners. Funding Circle Small business loans Invest About Resources Statistics Shareholder Information Connect Contac...