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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Funding Circle's account


How to register an account

You can register an account only by filling out a loan application. To register on the website of Funding Circle Limited, you need to perform the following steps:

  • Click the "Apply now" button on the main page;

  • Fill in the data. You need to enter how much you want to borrow and for how long. You also need to enter information about your business, its name, and the name of its owner. Then fill in your contact details;

  • Go to the email in the mailbox;

  • In the email, click on the "Set your password" button;

  • In the window that opens, enter the password you want.

You have successfully registered your account. After completing these steps, you will be able to log in to your account on the site by clicking on the "Sign In" button.

How to reset a password

If you forgot your password, the company provides an easy reset. To reset your password, you need to click on the "Forgot password" button when logging in to your account, and then you need to enter your email address.

In a couple of minutes, you will receive an email in which you will need to click on the link to set a new password.

How to delete an account

Unfortunately, Funding Circle does not provide an account deletion function on their site. If you do not have any outstanding parts of the loan, then you can delete your account by calling the Funding Circle support service.

Personal account features

When you log in to your account on the Funding Circle platform, you can immediately see data about your loan applications. You can supplement the application you have not filled out in full or edit it, for example, by adding the necessary documents.

If you have already received a loan from the company, you will be able to manage your loan using your account. Funding Circle Limited uses special software on their site that provides security, such as AES 256 technology, to encrypt personal information. Important personal data does not get to third parties. All data stored in the account is safe.


How does Funding Circle make its money?

The company takes an origination fee from each loan issued. Moreover, Funding Circle charges a 1% service fee from investors.

Who are Funding Circle clients?

Small businesses from all spheres except speculative real estate, pornography, gambling, non-profit organizations, and criminal organizations can be the company's clients.

Where is Funding Circle located?

Two offices in the USA are located in Denver and San Francisco. The company also has offices in London, UK; Berlin, Germany and Amsterdam, the Netherlands.

Calculate loan payments in Funding Circle

Funding Circle calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

25000 $
500000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Funding Circle

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Funding Circle and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Funding Circle’s reviews by October 2022
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