Returns from FC have been lower compared with other platforms I've invested in. Although net returns appear to remain positive it is hard tell where this will end up after taking late loans into account (I assume most of these will end up as defaults). FC have made some major changes to it's secondary market so that if you want to sell loans you must take a 1. 25% hit. That's fine if you're earning 7%+ or you plan to invest for the long term. Unfortunately returns for the vast majority of investors seems to be much less than this. Also, many investors who have decided to sell, many as long as 5 months ago will be subject to the new selling terms which seems very unfair. Both Ratesetter and Assetz Capital have generated far higher returns for me from products I consider to be less risky than FC. If you are thinking of moving to another platform or investing in p2p for the first time I would recommend Ratesetter or Assetz Capital. Both have generated solid returns for me and offer several products which have the benefit of a backup provision fund (Assetz Capital loans are also secured unlike FC which further reduces the risk to investors). Assetz capital currently have a £150 bonus offer for new investors who invest £5000 for 12 months before December 7th. By using the referral link below you can also earn an extra £50. This works out at 4% before considering investment returns (typically 5-8%). Therefore a first year investment return of 10% is very achievable. https://investors. assetzcapital. co(dot)uk/lender/registration/?lenderReferral=FIH3Q8 Similarly, Ratesetter are offering new investors £100 when they invest £1000 for 1 year via the referral link below (10% before investment returns, likely 13-15% when including investment return). http://link. ratesetter(dot)com/7N521J7
Investors all bailing out, no liquidity. Due to the utter chaos and panic surrounding this company, there is simply no new investment money coming into the secondary loan markets, meaning the waiting list for selling is now stagnant, its moved just one day in the past 10 days . As of today, investors who listed their loans for sale on June 5th are currently top of this list, but there is no sign that these loans are going to be sold, so god help those of us who listed their loans after the 5th June. If anyone listed their loans for sale July/August onwards, I am so sorry but you won't be seeing your money, full stop. Sart withdrawing whatever you can as the loan payments come in and write the rest off. A P2P loans company cannot survive without new investment, their loan book is more toxic than ever, so there is no possible way they can survive 2020. We know our money is not protected under FCA compensation scheme, so we are on out own. literally. Your money will be gone unless all investors stand together and fight this debacle. I urge all of you to contact the financial ombudsman urgently, there is a link on the FC website. Speak to newpapers, post on financial websites, contact TV Watchdog. The more of you who do it, the greater the chance of something happening. I do not know what can/will happen, the reality is that the CEO will likely bail out and blame trading conditions/Brexit etc, but if we fight this now, at least assest may be frozen and they may be forced to repay to existing creditors (us) before the administrators move in and we are left fighting over a few staplers and some post it notes. Do not delay, do something now to save your money!
I notice most of the excellent reviews are from borrowers. I invested with FC in Nov 2016 and was fairly happy with the website, reporting and interest earned, but service has dropped dramatically in the last year. They do not stand up to scrutiny. It has become apparent that due diligence has been poorly carried out. Some borrowers don't even pay the first instalment. They are slow to follow up on late payments and have a softly softly approach to collecting defaults. It can be up to a year before they serve a guarantor, they rarely have any security and if a guarantor stops paying they don't even think it is worthy of comment. I have asked for better updates many times and it is pointless. They just do not think investors should be interested in their own money. When recoveries happen they are a fraction of that owed and despite claiming to follow up and review these payments not one of my defaulted loans has been followed up. And they will not discuss it. I recently decided to sell my loan book and when I put it up for sale it was estimated to take a month, it took 3 months and I still am ringing them every day to try to get them to transfer the money elsewhere. My opinions are not unique and they are based on comparison to other companies doing a much better job on DD, security, collection, interest and communication. Updated 24/10/19 If only Funding circle could be as quick to answer the emails you send to them as they have been to comment on this review. I have been waiting 7 weeks for a response to an email about default mismanagement even though they estimate 10 days. Still avoid!
This is my second review of Funding Circle, the first one was not good either. I have received a further email from FC which informs of a review of expected returns, the whole being dressed with flowery reference to material which could be construed as camouflage. I checked into my FC account only to find that things are getting progressively worse. The return on capital has now been eroded further by an apparently ever increasing level of default, which is currently running at 57%. WHERE ARE THE GUARANTORS? The recovery rate on defaulted loans has now reduced even further to 0. 81%, WHERE ARE THE GUARANTORS? I decided to jump ship months ago and am now advised by FC that it could take up to five years to get my money out, WHERE ARE THE GUARANTORS? The fees that FC charge me to run the account are the only element that appears to be stable. My advice would be to think seriously before you get involved, gather your intelligence, do your research diligently and when you have properly assessed all meaningful information, walk away. FC have some serious issues to address and I wish them every success in their endeavours to get things working properly. They need to get a grip on the ridiculously high rate of loan defaults and ridiculously low rate of recoveries as a matter of absolute priority.
As an investor I find it virtually impossible to believe that I have been waiting 10 days now to sell £280 worth of loans. It makes me wonder about the liquidity of the company if they can't give me access to such a small sum. I am fully aware that selling procedures are changing soon but all that will do is feed investors their money in dribs and drabs. Again this makes me wonder about the liquidity. Once my investment is finally returned, I'm off for good. *************Reply to Funding Circle Reply ********************** Your reply is nothing other than a standard cut and paste, which in itself is insulting. It tells me nothing that I don't already know while trying to make your company sound good to those reading these reviews. It does emphasise to me that as I suspected there is not sufficient money from investors to make this investment company a viable one for me. I get far better returns and usability from other P2P investments that I use which strengthens my opinion that all is not well at Funding circle. I won't be contacting you to discuss my investment with your team as I will simply wait for as long as it takes to get my investment back and then I will be off like a rocket to a better run P2P company.
DO NOT INVEST - YOU WILL NOT GET YOUR MONEY OUT 10 days since my last review and still the sale request has not been completed. It is now 157 days since my request to sell all loan parts. Now its getting ever closer to the December 3rd rip off of deducting a 1. 25% sale fee from each loan part sold. An we are supposed to feel better that the whole 1. 25% goes to making the loan part cheaper for the buyer. Gee thanks . This wasn't in place until about 3 weeks ago, so those of us who requested our sale early will now not get the full amount returned just little parts as they possibly sell. PLUS we go into a 'cycle' whereby parts of our loans being sold with parts from those who request a sale on or after Dec 3rd who haven't been waiting at all. Then after 120 days we get automatically dropped from the sale process and have to request it again. There is no info on how frequently your loan parts make it to the 'top of the cycle', so if there are thousands of people requesting loan sales and then all the loan parts are mixed into one pot for sale, then you may never get anything sold in the 120 day period if none of you loan parts makes it to the top of the sale pile. BRILLIANT
I am investing not borrowing and have used other peer to peer lending platforms before. FC is by far the worst platform I have used due to their lack of performance, transparency, changes to service and lack of customer support. Due to their bad record in the press and underperforming investment, I decided to pull my money out. They are advertising it's easy to sell with no fees, but it has taken over 140 days and I still don't have my money back, with no projection on when this will occur. Now they have changed their policy to charge 1. 25%. ZOPA will process within days, with a similar fee and comparable returns and a guarantee fund. If you contact customer support they take a week to get back to you and they simply write boilerplate answers with no commitment to any kind of resolution. This experience has re-affirmed my decision to pull my money. Bottom line, if they had been transparent with a customer service team which seemed to care or give real information I would have probably kept some of the investment in there. because of the follow on experience from trying to sell probably not. Others might have a great experience, I haven't.
Over the past 4 weeks I have posted negative reviews specifically with regard to one of my 6 accounts, the 1. 25% fee for selling and the selling time however accepting these and looking subjectively at my accounts since I started investing with FC some 6 or 7 years ago these are the facts. Number of accounts 6 Gross interest £28250 Promotions £250 Fees £ 3060 Defaults £12130 Recoveries £4560 Net interest £17884 Average return 5. 83% The reason for the 6 accounts is to limit my exposure to any one loan at present I am lending to 1672 companies of which 129 are downgraded. Yes the selling time if you need funds urgently is an issue and only time will tell if the revised selling tool improves this but 5. 83% is a good return when compared with alternative investment opportunities. The 1. 25% fee is in fact a nonsense as no one gains as when new investors sell they will have to pay the fee so its only the very small amount of additional interest paid that will be gained however to old investors like myself it is a major issue as it will be in excess of £450 when the sales finally go through reducing the 5. 83% return.
Signed up for Funding Circle in February 2017 and invested £10,000. Returns were OK, but not worth the risk so in June 2019, took the decision to sell my existing loans in order to withdraw the money. Most similar platforms take a few days / week to release your funds, so would strongly avoid using Funding Circle. After waiting 133 days to get to the front of the queue to sell my loans, they have decided that from 2nd December they are changing policies so the queue is reset. This new system will mean that investors will receive small amounts back more frequently, but will wait significantly longer to get everything back. They have now stopped disclosing selling times, most likely due to it showing it taking over 4 months to sell. Customer Service is difficult to get through to on the phone, and email support give standard template replies. I realise that this review is not going up to help with getting more investors onto the platform but thought it was important people are well informed. I have opened a formal complaint, will update this review if anything changes.
Truly awful. I invested money in 2017 when the returns were promised to be 6-7%. Company after company that the platform had allocated my money to went bust. I now have 84 bad debts out of the approx 1000 loans. Even companies FC gave A+ or A ratings to have defaulted after just a few months,. I tried to take my money out and was lucky in having done so a while ago so have been able to withdraw most of it. But you can't sell loans that have an issue with them and in the last year or so even the ones you can sell take a long time to do so (like 3-4 months). I now have several £k stuck which I can't sell and/ or is bad debt which I may or may not get some recovery payments on at some point in the next few years. I'm currently getting 3% and going down while I wait to get bits and pieces of recovery payments. In summary, returns have been very much worse than expected, Its very hard to sell if you want to withdraw. If I wanted to leave money tied up like this with these sort of returns I'd have been better off in a bond of some sort. Definitely avoid.
I have the most amazing portfolio of loans with borrowers who pay on time, every month. This is the single most incredibly successful investment I have ever made, do not listen to all the investors who have posted negative feedback, every one of them is lying. The selling time is a matter of days and the customer support at Funding Circle is superb. Funding Circle most certainly do not change their terms and conditions whenever they want, they are an exemplary example of how a 21st fintech business should be run. Anyone who says that Samir Desai is making it up as he goes along is bonkers, the man is a genius. If you want to double your money in no time, then, quite simply, you simply have to invest your money today. To avail youself of this outstanding investment you need to copy and paste the following: http. fundingcircle. rg4399. //simplythe best££*// *The first 3 people who copy this link will receive one full days supply of wholegrain mustard* *Terms and condtions apply and are subject to change at any time.
Months ago, I got a little worried about my investment with Funding Circle after some negative press so came on here to see great reviews from borrowers and awful reviews from lenders, mainly regarding the difficulty of selling loans and withdrawing money. As a result, I put half my investments up for sale and was given an estimate of 90 days for them to be sold. 90 days! So here we are 130 days later pretty much. every few days, the estimated selling time crept up until last week when they announced they are unable to even give estimates! The worst thing is, I now want to sell the other half of my investment, but doing so would reset the counter and id be back to square one. that part of their selling policy is unbelievable. They recently emailed me regarding a new selling poiicy which will kick in in december to help share round loan sales so the lender gets some (not all) money back sooner, but it still doesnt sound great. And more importanly, will I get my money paid to me half a year after requesting it!?
I entered the process of trying to find funding with a not very healthy credit rating but with the intention of re-allocating funds within my business to enable me to put processes in place to make it function better - with the ultimate goal of improving my credit rating! Rather than just adopt the 'computer says nah' mentality, Funding Circle were tenacious in approach. Even when I had to wait for updated accounts, they didn't abandon me and whatsmore, treated me like a human being every step of the way. Blaine was polite, helpful and approachable, easy to contact with any query either by phone or email. I was very happy in the end to receive the funding required, albeit at a slightly higher interest rate than I would have liked, but I am happy that I was treated as an individual not a number on a page and I can now move forward and hopefully review in a couple of years time. Would recommend!
Funding Circle (FC) is conceptually a great way to put your money to work, however beware: 1) When your loans aren't performing great FC will take their cut before your loses (i. e. they base it off your winnings and dont account of defaulting loans), thus their returns arent affected by poor lending decisions which you have very little control over. 2) Their summary stats are (deliberately?) very high-level and don't present sufficient detail to help you gauge how things are trending. 3) DO NOT invest here if you need quick access to your cash - it can take over 130 days to sell your loans at which point you cant access your money. Further during this time you forfeit any interest (i. e. its free cash for them thus not too bothered about reducing this period). Personally, I've tried several investment platforms and many have higher returns and take a fraction of time to access cash (ETFs)
Following on from my previous review 'lenders beware', funding circle kindly provided a reply. In essence, they claim 'we dont know what your returns will be' and 'we dont know how long your money will be tied up' [my note - on the evidence available to me, it could be up to five years from the time you decide to liquidate]. As it is not possible to evaluate the merits of an investment without having an idea of return and duration, it appears to me that investors are being mis sold this product as an investment when it is in reality a gamble. It is my view that FC should place prominently on their lenders landing page the warning that 'we dont know what returns you will get and we dont know when you will get your money back, if ever', ie this is not an investment but a gamble. They should rename 'lenders page' 'gamblers page' as it is more accurate
Business has been excellent recently, doubled in size, which also means the wage bill has doubled to. Having to wait two months to get paid for work puts a huge strain on cash flow and also on stress levels. Banks always put huge barriers in place which does not help when your expanding and doing well, always trying to push Factoring down you throat. An afternoon of looking for alternative solutions, then filling out a form, being called within an hour, and a relatively easy and sensible application process, led to a very good rate loan over a sensible time period with very little hassle. Stress levels dropped immediately and now able to focus on taking the business even further forward. I would recommend to any business looking for some sensible support with expansion or new developments. It really has made my business life much easier.
NOT WORTH THE RISK OR HASSLE! - Investors with Funding Circle can access their invested funds in two ways: 1) Cease lending and access funds slowly on the drip by having to regularly log-in to the website account in order to request a withdrawal until a full return is achieved (loans are spread over a five year period so be prepared to wait!) Or 2) Sell your loans on to other investors at a 1. 25% charge! Investing in the 'conservative' option, which lends to A+ / A category borrowers, is currently paying an approximate annualized return of 3. 5% (after losses) so if you require access to your funds over a relatively short period of time the true rate of return will be nearer 2. 25%. The question must be asked, is this true rate of return for its risk v return product profile really worth it?
Business issues are always a worry and to get our hands on some much needed cash quickly was paramount to our ongoing success. The funding circle was recommended to me and after some research I contacted them. They were so helpful and explained everything to me. Any questions I asked they were able to give me an answer that I understood. We went through what we needed in order to get our business thriving again and worked out a suitable figure that we could afford to pay back. The money was quickly available. It took less than a week for funds to arrive in our account. We are very happy and would 100% recommend this service. What's more is that we still own all of our business so a win win situation. Thank you Funding Circle!
After seeing their "projected returns" drop and drop, I decided that Funding Circle wasn't for me. I put my loans up for sale - it was going to take a while - that's OK, I always knew this wasn't a liquid investment. But just as it seems my loans might be reaching the front of the queue, they unilaterally change their terms so that now I will be charged an extra fee to sell them! In a stroke that's going to wipe out 17% of my return, on top of the 19% that already goes on Funding Circle's fees. I could understand offering this as an option to incentivise a quicker sale, but instead they've just forced it on everyone. Deeply unfair, and a sign of desperation from a company that's clearly got huge problems.
If you are a borrower, be mindful. They provide false advertisement to suck you in in order to obtain your personal info. I was told that based on all my info and a soft credit pull I was qualified, then a day later I was declined and received a letter stating that the main reason was my credit, even though it is still higher then what they advertised. They do share your file with 3rd party sales companies as I found out so be aware. I have requested to be completely removed from any future mailings or calls from this company. Whats more amazing is that my company has been in business for over 7 years and my revenue is over $700000 this year. Horrible experience and definitely deflating.
I found the whole process easy and really re-assuring that the funding circle were there to help. It can be very hard as quite a new business to get the understanding that is needed from a lender to help you progress things. I know that the interest rate is slightly higher than what you might source at a bank but you also have to realise that this platform is also putting a leap of faith in my company to repay the money. This is the second time I have used the funding circle and due to our first experience, second time round the lending terms were so much better. Looking to the future this will be my first stop off for future plans. My funding contact Tarun was exceptional
This company are very happy to take money from you to invest. However, today I chose to withdraw £500 from my account with them - which is in a "holding account" - and not loaned by them to any business, so it is cash just sitting there and they have refused to pay it back. I had the same argument with them last year, as well. They are perfectly happy to acknowledge the money is mine but flatly refuse to pay any of it back to me. Wonder if this is the first sign their business model is failing? Be careful if you choose to invest in Funding Circle - they aren't covered by the FCA compensation scheme - and are continually refusing to return funds to their investors.
I have had the response from Funding Circle below (thank you for that) regarding the loan parts put up for sale on 8th June! yes 8th June this year!,165 DAYS AGO! but basically says. If sold before 2nd December then fine, no charge, if after then loyal investors have to pay the 1. 25% to new investors. Basically because FC are using the existing investors funds to entice new investors with 1. 25% extra. This change in their T's&C's is barely legal and will n doubt be challenged. As you can also see they are trying to get me to talk to their support team. in other words don't make this pubic. Well there is one way of doing that and that's GET MY LOANS SOLD. NOW!
This is the second time applying for funding And the experience this time was not great . Lots of Delays as the case manager I was working with was on holiday for a few days and when he did come back for further information twice it was at 16:00 and it was information required from a solicitor . Had he had told me early in the morning we could have easily got the information he required the same day instead of having to weight a additional day both times. Also the fees and interest were quite high and I don’t believe they were a true reflection of our situation. The only reason I use funding Circle is that they only require a personal Guarantee.
I see FC are now flooding the board with positive reviews, 99 pc of them from borrowers. Trustpilot need to seperate borrowers and lenders reviews. FC is in all sorts of trouble. They have leant to anyone, to inflate their IPO valuation, making the founders rich and investors at negative losses. Fortunately I have withdrawn all funds as I saw the defaults mount up. Stated recovery for bad debts has gone from 50 pc, 40 pc, now 30 pc in official correspondence. Its probably closer to 15 pc as their business model cannot afford to employ the number of staff it needs to, to recover funds. Please please avoid as an investor.
Are the reviews fake. On the most recent 'Watchdog Live' program, which was examining rogue finance companies. the program highlighted the case of two, currently operating, finance schemes which were BLACKLISTED by the FCA yet still achieved 5 star ratings on Trustpilot. The program added that Trustpilot later reported that probably 50% of the reviews were 'fake'. ,,, as they are with FC. I was persuaded in large to invest in FC by the high ratings on TP. Trustpilot are paid by the companies who collect the reviews. If this review goes live I doubt it will survive for long before being taken down by TP.
I can see why the share price has tanked now as investors such as myself have to wait a huge amount of time to get their money back. I have been waiting since June 17th this year. Seems like a Ponzi scheme. Investors beware if you want your money back quickly. I am passing 5 months now. It looks like the scheme is changing which will mean people in the queue for ages will have a continued wait whilst they get their money in drips. Who wants their money in drips? I stand corrected if wrong. The company themselves are nice to deal with which is a plus.
STEER CLEAR I have been a Funding Circle investor almost since they started. In the beginning they were a good, honest company with a product that made sense. Step by step they have altered this, each time making things worse for investors. Now you would need to be brain dead to invest with Funding Circle. I have been trying to get my money back for four months, and now it is clear that my only hope is that it will be returned in dribs and drabs over the next five years. And to add insult, I see a lot of obviously false reviews here on Trust Pilot.
Completely blown away by the professionalism, responsiveness, ease and speed of applying for a loan from Funding Circle. The folk at Funding Circle make it nice and personal and I was left with the feeling that they do genuinely care about my business. Our loan was evaluated, appraised and granted in a very short space of time. The funds are now in our account. I would encourage any SME to check with FC for their funding requirements. It had been a truly exceptionally supportive experience. My sincere thanks and praise to the Funding Circle Team.
I have used Funding Circle as a place to put my savings for many years and they WERE excellent, however they appear to have outgrown themselves. I am struggling to do something as simple as set up a new bank account to extract liquid funds that are just sitting waiting to be transferred out. The submission forms on the web site are unclear and they no longer reply to emails nor do they answer the phone based on my last two days experience . I think they have outweighed their usefulness and I would no longer recommend anyone to invest in them.
I wrote a review some time ago complaining about the delay in transferring my ISA to Vanguard. The transfer was authorised at the beginning of June. Only a small percentage has been released. I had ISAs with Zopa and Ratesetter that were transferred to Vanguard within two/three weeks in full, also in June. I am now getting seriously concerned that investors will avoid F C because of this issue and my transfer could take even longer. I understand that P 2 P is not an easy access investment but it should not take so long to transfer the ISA.
The business has gone down the pan since its flotation. Management have no doubt been rewarded handsomely and have taken their eye of the day to day. Returns are woeful - my trailing 12 month return is MINUS 1. 2%. Email the customer service and all they tell you is you've been particularly unlucky. The figures they quote on their website are plain wrong and completely misleading. I am gradually withdrawing funds but it is a very slow process. I would NEVER trust this lot ever again with any of my hard earned money
I really rate Funding Circle. Anyone who has ever borrowed from a High Street bank knows how painful it can be and that’s if they will lend you anything in the first place (it feels like banks will only consider lending you money if you don’t actually need it!). Funding Circle are different. They are very straight forward and amazingly quick. I think this loan was about a week from 1st contact to the money hitting my account. Both Sarah and James were very professional and responded to any queries super quickly!
As a few other reviewers I have been trying to sell my loans since 7th June 150 days ago and if they are not sold before December 2nd I will have to pay 1. 25% to get my money back FC cannot say what the value of the released funds will. When I contact them, they really just say hard luck you should have known it would take a long time to sell and we cant tell you how much it will be If I ever get my money back, what with the penalty of 1. 25% plus defaults and charges I will be lucky if I make 2%
I made an online enquiry late on Tuesday afternoon and received a call back almost instantly from an Account Manager. By late Wednesday afternoon our loan had been agreed and I was sent the documentation I needed to complete. This was returned on Thursday morning and the loan funds were in our bank account by Friday morning. The rate offered and fees quoted were excellent. What an unbelievable experience. Banks just cannot compete with this level of service. Well done Funding Circle and thank you!
What I thought would be a complex and stressful process turned out to be the exact opposite! Key to the whole process was our Funding Circle account manager Em Cockshutt, who helped guide us through our application and was always available to talk to and replied promptly to any emails we sent. Overall our Funding Circle experience has been first class, thanks in no small part to Em, and the loan was agreed within a few days of initial application. Many thanks and our business thanks you too!
Absolutely awful. If you enjoy terrible returns & withdrawal times that take 1/3 of a year then this is the investment for you. I’ve been with funding circle for over 18 months & out of £734 made £489 is bad debt, £72 is their fees and the very small amount left is mine which I do not have access to due to the prolonged withdrawal times. I’ve made many investments, however, this one is comfortably one of the worst & I sincerely hope you stay well clear of this shoddy company!
From the very first call, Kate McCarthy made me feel like a welcome 'customer' of Funding Circle; she was positive and engaged throughout our interactions and everything happened exactly as she said it would, within the timescales promised. What a total contrast to my experience with the banking industry, where I have been made to feel like an inconvenience! I would highly recommend Kate as an Account Manager, and Funding Circle as a positive and supportive business partner.
Been selling for 10 months now and still have around £3000 invested which I can't list for sale. My losses over the last 2 years are after recoveries around £7600 plus the £3000 which will be defaulted eventually so down £10600. This is from an investment of around £120000. Recoveries are coming in steady at around £150 to £180 a month. So if I'm lucky I just may get my money back over the next 6 years, but I expect all chance of recoveries will run out long before that.
I wasn't sure what to expect when looking into additional finance for our business but James S and the Funding Circle team were great and happy to help with any information and talk us through the process from beginning to end. Although the process took a little longer than expected James S was able to provide the help and support needed and kept us up to date with progress as the process went along. Many Thanks to James S and all the team involved in our application.
Sandy was really helpful and kept in touch with me, and when I needed to change the loan request, she pulled it off within a day and within a week I had borrowed the money, and felt very well informed. I didn't have to change gear and take time out from running the day to day of the business too much at all, which is critical when you are running a small business with momentary cashflow issues. All in all this is a great service and I highly recommend Funding Circle
First contacted Funding Circle about a business loan on Friday morning. I was allocated an account manager, Bertie. He was very personable and professional throughout the whole process and always kept me up to date on progress throughout the various steps. The final result was that the requested funds were in our bank on the following Friday morning, just five business days later. Very pleased with the interest rate we were offered and the great all round service.
After being made to wait over two weeks by high street branch for an answer on a business loan I was recommended to try Funding circle. From the first honest phone call we had with Phillip he let us know what options we had, and pleased to say that within a WEEK we had the funding requested. Service was very quick and somebody always available to help out with any questions we had! Would recommend anybody needing funding to 100% consider Funding Circle!
Applied for a loan from Funding Circle and 12 days later the funds were in our account. The whole process was fast, friendly and we were kept up to date at every stage of the process. James our contact at the Funding Circle was very helpful, proactive, and let us know what was happening at every stage and did everything he said he would. Could not have been easier to deal with. A very simple and efficient process. Delighted with the outcome.
The service overall was excellent and support was particularly excellent from Li Yin: she was constantly in proactive contact making sure the process moved along smoothly. The FC process has become more streamlined and does not feel too onerous. I felt that the discussion about why the finding was needed was handled really well by Li Yin and is so much better than the usual bank tick box approach which is generally a real turn-off.
Funding circle were really easy to deal with all the way throughout the lending process. I was contacted quickly and kept fully informed as the application progressed. From start to finish I would highly recommend them. The whole process was dealt with within a few days, much quicker than HSBC, my high street business bank, who were unable to even speak to me for a number of weeks despite being a long standing business customer.
Waste of time, keep emailing me, I apply, they turn me down. Despite having an existing loan and them telling me I'm a valued customer, never having defaulted over several years, always paid on time No idea what their lending criteria are now . beyond me Thx for the auto reply, looking at other reviews seems to me you’re in a spot of bother . Hope it turns out ok. Hope I don’t have problems in the future with my existing loan.
Show me someone who claims applying for a loan is enjoyable and I'll show you a liar. Show me a company which has thought about the customer experience and has set out to make it positive, and I'll show you Funding Circle. Screening, due diligence and underwriting still central to the process but a helpful - and honest - attitude goes a long way in these online times. Thanks to Phillip for hand-holding and timely responses.
Very professional and very helpful. Applied for a loan on Friday and the funds were transferred into my account by Thursday the week after. Very helpul account manager (Tarun) who actually listened and understood my business to make this funding successful. I can now expand my business and believe me it's so much easier running a business without the pressure of what ifs. Thank you funding circle for helping my business.
The website was clear but speaking with an Account Manager was the best way to ensure all queries were answered. My Account Manager was in daily contact (either by phone, voicemail or email) to explain all aspects of the loan and repayments as well as on the progress of the applications. He also provided advance notice of ID documents and other information that would be required so that the final stages were very quick,
So when the new selling procedure comes in on December 2nd, I will have been trying to sell loans/get my money back for 124 days. Then I face the double-whammy of a) being treated the same as someone who logs in on December 2nd and decides to sell and b) be hit with this 1. 25% fee. With a current rate of return of 5%, this is likely to knock 25% of the actual returns I get. And that's assuming everything sells. AVOID.
Loan approved without any hassle, all staff involved were very pleasant and helpful and answered any queries we had. We are only a small business and not very up on technical jargons, apps and the like, so when my printer and me couldn't get the details scanned in properly, I resorted to go old Royal Mail and posted details, and this was acceptable when in the past I have know it not to be. Thanks for bearing with us.
I am an investor. I initiated the sale of my loans on 13th June, four and a half months ago. I have found out today that the terms and conditions of my sale will change, and will be subject to a 1. 25% fee. After factoring in this fee, handling fees and defaults, I expect to make an overall loss when I finally manage to sell. Any potential investors, please read this as a cautionary tale and put your money elsewhere.
Do not believe the figures shown for investors Facts taken from my ISA account Interest gross £1094. 50 Fees £104. 77 Defaults £682. 23 Recovery £6. 25 Late £474. 18 (Most about to default) Loss £139. 57 Time to sell loans available to sell 130 days at the moment and climbing! If loans processing on sell date not available to sell so go to back of queue and wait another 130 days plus extending by 4 to 5 days a week.
I got an offer from another lender at 3% per month. I worked out that would add to 36% per year. Almost loan sharkery! I had heard of Funding circle but thought it would be a long and drawn out process to get the, working capital, loan I needed. It was not, It was done in less than 24 hours thanks to my account manager and his support. All I can say it Brilliant. I now feel as though my company can grow thanks to FC
Investor here- I posted a while ago stating my investments were receiving good returns and this is still the case. Selling time seems to be the concern for some but P2P lending should be seen as a 2- 5 year investment. Ofcourse less than this you can still make good returns. I lend on various platforms to ensure diversity and reduce risk. I have received great returns from all of them and FC is no different.
Will from Funding Circle handled our questions promptly and in detail and once we decided to go ahead our loan was approved and the money was usable within just a couple of days. At all stages we were given clear and concise information and the whole experience was almost stress-less - certainly much less so than dealing with the typical high street bank. I thoroughly recommend Will and Funding Circle!
A Great Experience - Tilly from Funding Circle was exceptionally helpful and extremely patient. Attentive enough to keep me informed but not so much that I felt there was any pressure to provide information or agree to a specific arrangement. The whole process was far smoother than I envisaged and would highly recommend it as an option for anyone in a similar situation looking to build their business.
This was a very easy process and was an absolute please dealing with Hannah Bryant. She listened to my business overview and not only did she understand a very complicated layout but also passed the information/introduction on quickly and efficiently. This resulted in my acceptance for a loan and me feeling very happy with the experience all round. 2 days and this was done and dusted.
I would like to give a higher rating because the application process was simple and fast but I can't abide poor customer service. There simply isn't any. I don't have the access to my online account that I am supposed to have, no one bothers to reply to emails, phone calls are never answered, always cut off before the voicemail option kicks in. Disappointing and unprofessional.
Our account manager Sandy could not have been more helpful and was a pleasure to work with. The application process was quick and easy and the paperwork was all completed inside 24 hours. We had the money in our account within a few hours of signing the contract. Excellent service, very competitive rates and straight forward proposals. We would highly recommend Funding Circle!
As an investor stay away, look at the share price to understand where this business is going. I’m going to short sell them just to get the money I invested back! No liquidity at all, a Ponzi scheme whereby they have no risk and the investors take all the risks. Investors don’t put your money here. Currently been 5 months to the day since I requested my funds back.
Delighted with the service! A professional, efficient and straight forward process which we were very happy to follow. Reasonable terms, clear and concise contracts. Our account manager was a pleasure to deal with and exceeded our expectations. He immediately understood our business and was excited by our plans. I am more than happy to recommend Funding Circle.
As an investor I decided to withdraw my capital from FC to use on other projects. It has been nearly 4 months and that capital is still locked up in their system, with no signs of being released to me. The returns are not good enough to keep my capital locked up for this long, and had I known before investing in FC I would definitely not have. Investors beware.
I have never considered taking a loan before but after reading about the Funding Circle I decided to apply for a loan to renovate our new offices. I contacted them on the Friday and the loan was in my account the following Wednesday. An absolutely fantastic and easy transaction. I highly recommend them to anyone wishing to secure a loan for their business.
Kate McCarthy was terrific! She was able to answer all of my questions in a very timely manner. She was diligent and kept me informed of the progress all of the time. Funding Circle have been great and have met all of my expectations. Having spoken to a loan broker I was told it was very unlikely that I would get a better unsecured loan from anywhere else
The Funding Circle helped us with a recent funding requirement to assist with our expansion plans. They were awesome! Listening, understanding and satisfying our needs promptly, professionally and relatively painlessly. Alexander Grimwood deserves a special mention for his fantastic service. We will definitely use the Funding Circle again in the future.
Whole process was very swift, professional and easy to understand. My relationship manager Alex Grimwood walked me through the entire process including any potential pitfalls. I have already recommended them to a friend who had undergone a similar expansion to ours and it turned out that he had already used Funding Circle! Excellent experience all round
Our account manager was really interested in our business, beyond the numbers and was very knowledgeable about the process and finance options as well as super responsive all round. The process was very efficient, the slowest part was us in trying to keep up the pace with FC! A brilliant service for growing business needing cash and at a realistic rate.
Dear Kirsty I want to thank you for everything you have done to provide your services to our company during our time of need. The process was planned and executed perfectly. I couldn't have asked for more. Words cannot express our sincere appreciation for your assistance - and your team is fantastic. Thank you also for the continuing support. Thank you.
From the first phone call the whole team where very helpful and no pressure to take a loan was forced upon myself. A few simple steps to follow and if you meet the criteria then your business will receive a quick cask injection. If you decide to pay back the loan before the term agreed then you only pay interest in the time you have had the loan.
Very quick and efficient operation and great customer service. Disappointed with the interest rate when you seek further funds whilst still having finance from a prior funding circle debt outstanding. However we now know how these things operate and we will amend out funding requirements accordingly - go for more than you need in the first place!
I dealt with Blaine. He basically listed everything out I needed to do, called me exactly when I needed him to, advised and supported through an absolute breeze of a two week process. From first application to receiving the funds, Funding circle have it completely nailed - slick, clear and the people management skills are just 10/10. Thanks all!
I have lost a lot of money on Funding Circle this year. Huge amounts of their loans default and they seem unable to recover anything. It is also impossible to get your money out, there is no liquidity and you cannot exit for a minium of 130 days. I have been trying to exit since June but cannot. Strongly recommend you do not put any money in FC.
Super fast acceptance and funding available within just a few days. This is our third block of funding to help fund the growth of our business. As ever a fantastic team behind Funding Circle who are extremely helpful and understanding of what small businesses need, unlike my bank which had no clue of the purpose behind my funding request.
Great customer service from start to finish. Our account manager Sam was excellent, he was totally efficient and made the whole process very straightforward and was always so helpful on the phone. By far the best company I’ve dealt since going into business. I wouldn’t hesitate to recommend funding circle to other businesses.
Would not suggest anyone obtain a loan from these people, they are slick talkers for sure, horrible customer service, as a customer you are nothing more then a dollar sign for them, make sure you clearly read everything before getting into bed with them and just know if anything goes wrong they could careless about helping
So happy with the whole experience of gaining funding from Funding Circle. Sandy kept in contact at all stages and kept the information clear, simple and professional. I would definitely recommend Funding Circle to anyone looking to take their business to the next stage and need a little financial assistance along the way.
Receiving funding for my new venture took just one week from my initial application to the funds being available in my account. The whole experience was stress-free and straight-forward. My personal account manager Sandy was always available, friendly, professional and efficient. I would highly recommend Funding Circle.
From the "get-go", my experience with Funding Circle has been excellent. Funds were in our account eleven days after my first contact and communication has been 1st class. I wouldn't normally bother with reviews, but many of the reports I read when considering my options originally, certainly don't "ring-true" with us.
Give me my money back. The reason I invested was that it was stated sales take in average a week but in reality its over 130 days whilst T&C's state sales taking longer than 120 days will be cancelled. This is close to fraud and not acceptable. Seriously warning anybody to get involved with this detoriating company!
Sent me an email saying apply I am a sole trader 60k + pa small retail wedding shop Turned down in under 15 seconds on what grounds? Asked name of business, how long in business, gross income why I wanted loan? Then sorry we can’t help you no they don’t deserve s 4 star rating for a 15second refusal Disappointed
I authorised the transfer of my ISA from Funding Circle at the beginning of June this year to Vanguard after being with them for several years. It has still not been transferred. It took Ratesetter and Zopa 2/3 weeks to transfer my ISAs also in June to Vanguard. Think carefully before investing with them.
All the postive reviews are from the borrowers. If you are an invrestor you will not be happy. Have been waiting over 4. 5 montsh and no sign of my money back. Looks like I will default to this awful new system for selling which charges me - to add insult to injury, and even then I may not get much back.
Tom my personal account manager made my application process seamless and while dealing with the upmost professionalism, made me feel at ease with funding circle and the offer I received was fair and will enable my company to diversify into a new range of products we wanted to offer our customers.
Funding circle and Eleanor in particular have been so helpful with nothing being to much trouble. We were kept up to date with how our application was proceeding and were really impressed by the quick response we received. We would recommend them all the time and would not go anywhere else now.
I’m always impressed by the way Funding Circle works and much prefer the multiple investor type lending you guys promote. While we’ll always rely heavily on banks for some of the big investments we have to make I’m more than happy to pay a little extra to you for being a small business backer
Such a quick and smooth process, doesn't even seem real! From application to getting the money in our account was less than a week. Ronan was a great account manager, he was responsive and informative. I would recommend these guys to anything looking for a loan to help expand their business.
Great poeple to do business with. I would like to thank you very much for helping our small business progress and expend by providing a financial help when needed. Without forgetting Mr Blaine Webber who has been very helpful and truthful guiding us through the whole process. Many thanks.
We needed some funds for marketing work and Sandy at Funding Circle sorted this out in a couple of days. The process couldn't be more straightforward. We are about to put the funds to good use now, whilst still waiting for our High Street bank to respond to our original loan request.
A fantastic service! Our adviser was brilliant, he kept me informed and up to date with the progress of the funding, he was very knowledgeable and completely professional. The whole experience was quick and I would certainly recommend Funding Circle. Thank you to a great team.
We found the experience with Funding Circle excellent. The process was straight forward and easy to follow. Although we had a little problem with the scanned documents Jonas was very helpful and we had it sorted in no time. We would not hesitate to use Funding Circle again.
I can honestly say that funding circle was an amazing way of helping my business move forward. my account manager harry vaughan was always there to answer any questions i was unsure of. i would fully recommend to contact funding circle anyone wanting to go that extra mile.
I can't express how helpful Anthony was during my application process. He was patient and very understanding as I wrestled with the technology! He was also very open and explained each step, as we progressed. A superb experience, for which I can only say a big Thank You!
Very easy to arrange, all criteria explained in full so no hidden catches - accepted within 2 days and funds were in the account the following day. Fantastic low rate of interest knocks high st banks out of the park making funding very affordable. Highly recommend
I have used Funding Circle twice and I have always found them to be efficient, easy to deal with and really knowledgeable about the industry. They have always kept me informed at every step of the process and are generally great to deal with - highly recommended
Easy 5 stars from me ***** I dealt with Zeeshan and was informed throughout, funds were paid in overnight to my business account after signing and submitting my application. Massive thanks to Zeeshan for helping my company and hope we do business again Brian.
It was such a easy and pleasant experience applying for a loan with funding circle. They were very quick to get back to me with a final decision on lending the money and didn't ask a million questions totally irrelevant to the application like my bank did.
Super helpful, efficient and a swift service. We've used Funding Circle twice now to help us grow our business and both times they've understood our vision, advised us on the steps to take to apply and held our hands through the process. Highly recommend!
The second time I have used funding circle and again they have managed to helo me with additional cash flow. The interest rate was slightly worse than on my first application which was slightly disappointing but all in all still a good service thanks.
Excellent service from start to finish. Tom explained everything clearly and kept in touch to make sure any assistance I needed was provided. An easy pleasant experience. Just what the small business needs! I would highly recommend Funding Circle.
This process was amazing! They made This very smooth and I would refer them to any business looking for a loan. My account representative Kristen Schieck was extremely helpful and very quick at responding . over all experience fabulous! THANK You!
Funding Circle were very helpful from initial on line application, Sandy was appointed my agent, and she worked relentlessly to assist obtaining my loan. I am very impressed with the service I received and would highly recommend Funding Circle.
Jonas was great in chasing things up and making it really simple. He was clear from the start about what we needed to send in, confirmed everything I asked and was very efficient at coming back to me. Could not have asked for better really.
Kate (our account manager) was very helpful in guiding us through the process and keeping us up to speed. A little frustrated at the amount of paperwork involved but apart from that a quick initial response and processing of our application
Our application had it’s up and down for various reasons but Kate McCarthy our account manager never gave up. She kept advising us on how to best get round the issues and stayed positive through the whole application until it was granted.
I found Funding Circle, very professional and extremely efficient. Blaine kept me in the picture every step of the way. The process was very easy and I would definitely recommend them to any other Company looking for a Business Loan.
As an existing borrower returning for additional funding, I again found the process efficient, thorough and professional. Our Account Manager, Scott Walker, guided us at all stages and completed the transfer of funds within a week.
Philip was helpful and communicated well and the process was uncomplicated as well as quick and efficient, all in all a good experience and would recommend Funding Circle to anybody in need of a speedy transparent form of funding.
Simple application process, some paperwork required but nothing too onerous. Quick (and positive!) answer, and supportive/responsive customer service rep the whole way through. Would definitely recommend and use again if needed.
Second timer we have used Funding Circle and once again a FABULOUS service from start to finish. Sam was great - on the ball - informative - kept me updated and turned things around so quickly. Wouldn't hesitate to recommend.
Second time I have used Funding Circle for a business loan to help grow my business. Both times they have been exceptionally helpful and efficient. The whole process was completed within 3 days. Highly recommend this company.
From my initial enquire about obtaining a business loan to actually, getting it was second to none. FC staff were very helping from the beginning and I was well informed of the process throughout. Excellent service provided.
Its so refreshing to speak with somone who actially wants to support your business and for the process to be amazingly quick and straightforward. I can fully recommend Funding Circle to any business owner looking to grow.
Have used Funding Circle the 2nd time and every time it has been a nice and easy experience. The team are very knowledgeable and the whole process is reasonable and very quick - in fact quicker than last time. Well done!
Very quick and easy to deal with. Very good customer service and will offer various options if available. You also have your own point of contact so you’re not repeating yourself to different people in a contact centre.
I was very pleased with the service that I received from funding circle at all times I was treated with respect and my needs for my business moving forward where considered. I would recommend them to anyone thank you.
This really couldn't have been easier. Interest rate just over half the bank rate. Obviously they need financial details but after that, plain sailing. Being able to pay back any time without penalty really sold it.
Excellent service. Lending decision made very quickly within days. Kept me informed throughout process. Simplified lending process from my (a customer perspective). Would definitely recommend. Thank you Rob and team
Applying for a growth loan was quite a big deal for me but William merchant my account manager was really good very help full, explained what was going on and kept me up to date thank you mark B&W smart repairs ltd
An extremely helpful and beneficial service. Listened and assisted throughout and delivered the results quickly. Would definitely recommend. Brilliant! Alfie was fantastic and could not do more for you Thank you
Really smooth process! Especially for a returning customer as myself the process was seamless and 100% straight-forward accompanied by the excellent support of a dedicated account manager. Totally recommended!
Absolute 5 star service and recommend to any business looking for help. James our account manger made the whole process from start to finish so easy and was extremely helpful. Thank you James & Funding circle.
The process was fast and extremely painless. I am so glad I decided to try Funding Circle before approaching the bank. From start to finish it took 4 days. Great service and a lovely, friendly account manager
Our first experience with Funding Circle has been amazing. The process from start to finish was very easy and straightforward and we received the funding with a great rate in the same week! Would use again!
The agent was really helpful. The process of application was easy to use and our application was processed quickly and the funds put in our account within days. This will really help our business to grow!
This is the second time I have used funding circle. Cant believe how simple they make it to help small businesses no stress straight forward and easy to communicate with . l would recommend them to anyone
I recently used Funding Circle for the 3rd time, it is a seamless lending platform which has enabled my business to grow every time I have used them. Easy to apply and very fast approval and good rates.
Most personal and professional service ever experienced. Getting a loan can feel very daunting, but funding circle made the whole process very easy. Being kept up to date on every occasion is very good.
Quick, efficient and excellent customer service. Knew the requirements of our business and were able to accommodate us. I would 100% use them again, added bonus was the great rates that were offered.
Process very easy, everything done on line. Time from application to decision was 2 days, the time from submitting documents to receiving the funds was also two days, Very satisfied with the service,
Working with funding circle was easy and stress free. Our case worker was very efficient, friendly and informative. Everything was explained fully and the whole process was much better than expected.
The whole Funding Circle process from start to finish is fantastic, with hourly and daily up dates from your Account Manager. I can total recommend Funding Circle to any business wishing to expand.
The process was straightforward and very quick. I would have no hesitation in recommending FC to others. This loan will help my business move forward without putting too much pressure on cashflow.
Fantastic Service - We approached funding circle for a cash injection and within 7 days we had cleared funds in our account. Completely hassle free with minimal documentation. Highly recommended.
Really helpful account manager (Owen), clearly wanted to help and understood my business model. Refreshing that all actions and updates were completed when promised, including release of funds.
Criteria was reviewed and an offer made within days which gave us the certainty to go ahead with upgrading our IT. Account Manager helped to progress quickly and the whole process was painless
Wonderful and a surprisingly personal service from Alex. This has been a really strongly significant catalyst for the growth of my business and it is a facility I will use again in the future.
I have been trying to sell my loans for 130 days. Now FC have removed the estimated selling time. Can someone from the company tell us investors when we will be able to sell our loans please.
Third time using Funding circle and each time the process is straight forward and once all proved the funds are swiftly transferred. Much easier than dealing if a high street bank these days.
Highly recommend the funding circle. Great communication and very easy to deal with. James was very informative and offered good advice. Very quick turnaround too, thank you funding circle.
This was a refreshingly easy, simple and quick process and the 1:1 personal service support from Kirsty has been first class - Id recommend Funding Circle to any business looking to grow
Help me thank First Heritage Loan Firm for ending my financial crisis, Big thanks to Bernard you can contact him at :+17759644126 OR visit firstheritageloanfirm. com for more information
From picking up the phone to receipt of funds less than 7 days and this despite latest financial accounts being filed by accountant during the process. Amazing and a good deal as well.
I have had a very good experience taking out a loan with Fudin Circle, using Jonas Brown who was extremely helpful and made every thing as easy and quick as possble. Excellent service.
Great service! Whole process was so quick! The representative, Conor who dealt with my application was fantastic. We were even offered more than we needed. Thank you Funding Circle!
I found all of F C,s contacts to be very courteous, professional and helpful, which made the process much easier, with no big issues encountered. My thanks to both Tom and Quentin.
EXCELLENT HELP AND SERVICE We were very impressed with the help we received from Anthony in assisting us to sort out our funding and would not hesitate to recommend Funding Circle
Very slick and professional to apply Quick response meant I was able to press ahead with plans for my business Friendly staff made the whole experience very straightforward Thanks
The service I received from Li Yin was excellent, from initial conversation through to completing the application, she was always on hand to assist and advise. Highly recommended!
Fantastic service from Zeeshan getting the funded needed for my business. The process we went through was quick & easy to follow. Thankyou to the funding circle for sorting this.
We have found funding circle to be very helpful and very easy to deal with. They have provided funding at a good rate if and when we required it in order to expand our business.
What a fantastic service. Thank you to the funding circle team who made the whole experience effortless. Easy. Quick. And brilliant staff who hold your hand through every step.
I am very pleased to deal with Sam. As my acocunt manager I found him as a nice person and very helpful. Because of their excellent service I highly recommend Funding Circle.
This company is just a pleasure to deal with. The process was straight forward and the staff are extremely helpful and efficient. I would definitely recommend Funding Circle.
Excellent and very prompt service through out . The whole experience is explained easily and I would most definitely recommend funding circle. Thankyou Sam for all your help
Excellent Service The communication was excellent and everything made very clear. Angus Pollard explained the circumstances and allowed for a hassle free experience. thanks
Alfie was brilliant. He provided swift and clear responses, and kept me in the picture throughout the application and approval process. I couldn’t recommend him too highly.
Brilliant service exceptional knowledge and ability to work within our needs, quick reply’s to queries and always kept us up to date every step of the way 5 star service
2ND time of use so fast sorting the funding out why would you use a bank! this will allow me to smash my business out of the park keep up the good work England needs you
Absolutely fantastic Quick, easy and non judgemental Really good rates Second time I’ve used this service So much easier than jumping the hoops to get a decent overdraft
This is the second time I have used funding circle and once again It’s been a very positive experience. It’s quick friendly and very professional. Will be recommending
My mother is having to wait over 90 days to receive her funds - when the brochure says 5 days. An article in the Telegraph says some people are waiting over 100 days
We needed a large loan to fund company growth, the service we received was excellent speedy and painless we received the monies within 3 days I highly recommend them
Really good company, Kirsty was massively helpful and not pushy. I asked for quite a few requotes and nothing was a problem. Would definitely recommend this company!
Funding Circle helped us move forward with our business expansion quickly and efficiently. Expert advice, great service and better value than the high street banks!
This was easy. From start to finish my account manager guided me through the process, getting to know me and my business. The application was simple and efficient.
My account manager Sam was very helpful from start to finish. Always called when he said he would and is a credit to the company. 100% recommend Funding Circle.
The whole process from start to finish was very quick and dealt with very professionally. Would highly recommend to anyone thinking of using The Funding Circle!
Excellent service from the Funding Circle. Our account manager Valerie Kontor was so very helpful. Would highly recommend both Valerie and the Funding Circle.
I found the way Funding Circle team helped me with my loan application very professional and efficient. Specifically Robert Galloway who as account manager
Brilliant & Efficient service, quick to respond and very helpful and friendly to deal with. We couldn't recommend them enough. Thanks for your help Kirsty!
Excellent service, The funding team couldn't have been more helpful quick easy forms to fill in, quick and easy allocation of funds would highly recommend
Very supportive Accounts Manager Dealt with all enquiries promptly. Kept me updated throughout. I was also very impressed with how quick the process was.
Seamless Process, always kept up to date by our account manager (sam Spurrell) funding was raised fast and paid within 2 working days. Excellent service!
Really easy service - Would recommend to anyone wanting to progress in business. Sarah my account manager has been a pleasure to deal with, thanks again
Many thanks to Bertie Barrell from funding circle for all his time he spent with me during the loan, all the best to yous all, fab company first class,
Transparent, Simple and Quick - Could teach the rest of the Banking World a lesson when it comes to supporting Small Businesses. First Class as always
Excellent experience Simply to apply, send over documents and money available in days. Would recommend to anyone looking for funding for their company
Overall good. “Sales staff” can be a bit over enthusiastic and a few niggles on end process of releasing funds, but overall good company to deal with.
Great Service and reasonable short term rates, funding approved and in my account very quickly highly recommend Funding Circle fantastic team. MR PALA
Is anyone looking in to all these false reviews of funding circle. It takes weeks to get a reply to emails so how can they be getting 5 star reviews.
Excellent Service, prompt, helpful and guiding. Philip was brilliant from start to finish and kept everyone informed as to progress and requirements.
All pretty good but the process could be a little detailed and easier to go through. but that is just part of the game. Still much better than most!
As a returning customer, very straightforward and quick. Perhaps a little expensive, but it's transparent and you can decide if it's for you or not.
I had a very positive experience dealing with Funding Circle and Rhiann in particular. Thank you for your support my business will benefit greatly.
Very easy to work with good understanding of my business needs . Quick and easy to apply. Would recommend to anyone that needs flexible funding .
Very transparent and efficient process. Leonard was very easy to communicate with and answered all questions or concerns with a prompt reply,
Contacted Funding Circle a second time, and again the service was fantastic, seamless and efficient, I couldn't recommend their service more.
Straightforward process. Very fast decision. Didn’t get as much as I has applied for but apparently I can apply for the rest in 4 weeks time.
The whole experience was very straightforward from beginning to end and a breath of fresh air when compared to the more traditional lenders.
Made my application very easy and communicated with all the way. Thank you for the professional way you dealt with everything. Regards John
Really easy to deal with and takes all the haste out of finding suitable funding. Fantastic updates throughout the whole process. Thank you
We applied for a loan on Monday. The application was dealt with extremely efficentky and the money was in our account on Friday. Excellent
Very quick to complete the application and decision within a day! Account manager very helpful and polite, funds received within 48 hours.
Extremely helpful. Product is well explained and all questions answered. No hidden catches. Transparent and speedy. Thanks funding circle.
Very easy to apply, fast to respond to any questions and generally a very efficient service throughout the whole loan application process.
Funding circle made the whole process so quick and simple 10 dats after applying I have the funds in my account, amazing customer service
Very simple quick and professional service, our account manager really explained everything and made the whole experience easy. Thank you
Hi The funding Circle staff was excellent in communications response In fact given to me and Sarah my accounts manager was just Brilliant
Couldn't be more pleased with the service given by Funding Circle - promptly arranged finance and always available to answer any queries
This is the second time I have received a loan from Funding Circle. It was a very pleasant experience dealing with Funding Circle team.
Funding provided professionally, efficiently and quickly with a friendly attitude by staff involved. I would certainly use them again.
Completely Disappointed. The service from start to finish is very slow, intrest rates are too high. Please check other options first.
So easy to apply & in less than 24 hours my application was accepted & funds arrived next business day. A record? Incredible service.
Good communications. Better than bank rates. Fast turn around. reasonable document requirements. overall a very good service (so far)
Kate McCarthy was very pleasant and extremely helpful and the whole process was quick and painless. I had my money within the week.
Thank you Funding Circle with your terrific and efficient service again for finance. Sam Spurrell, our account manager, was great.
Great support from the lending team and really quick decision making which is vital when you want to get on and run your business.
Sam. Dealt with us from start to finish. He was very helpful and acted very quickly. We would definitely use Funding Circle again.
Alex was very helpful, prompt and helped make the process so much easier than experiences I’ve had with other lenders. Top marks.
Great service; friendly, efficient and professional yet conducted in a relaxed and easy going manner. You couldn’t ask for more.
Fantastic Service from the start to receiving the loan. Would highly recommend to any business to reach out to Funding Circle!
Philip was helpful and always got back to me very promptly. I like that . he found ways of making a bureacratic process human.
Very fast! and amazing customer service! Will definitely go through funding circle again in the future for any future funding.
Rapid response and good customer service. I couldn't get the whole amount asked for but there was still an offer on the table.
Great communications with us throughout the process. Easy and stress free. Very happy with service we received from Valerie.
Very easy process compared to other lenders, only took about a week to receive the funds. also very good terms for the deal
Great service from Funding Circle. Our investments from them have given us so much opportunity. Thoroughly recommend them.
Staightforward application process and fast completion Professional, friendly & helpful advisors. Would highly recommend
Amazing prompt service and funds made available quickly. Would recommend the Funding Circle for small business funding.
Very easy to deal with. Loan agreed and funds received on time given. Good rate of interest. Would definitely use again
Excellent service, quick and simple, no issues would definitely recommend and cheaper rates than my bank we’re offering
Great Service from the outset, Simple, Straightforward and a great asset to the small and medium business marketplace.
First class service from the first approach all the way through to a speedy and positive decision. Highly recommended.
A simple easy process for a serious level of funding, not the cheapest option but hassle free and a flexible solution
Simple, speedy and effective. The process doesn’t suck up lots of time so you can get on with running your business.
The Funding Circle were very friendly and efficient, and made the whole process easy to apply with their helpfulness
Fantastic service, such an easy process, no hassle and Emily was a credit to Funding Circle. Really happy customer!
Sandy was very helpful and made the whole process very simple and quick, far quicker than my existing high st bank!
We received the funding we needed quickly and with no hassle. Li Yin was excellent in her communication and help.
Very fast decision and quick to get funds in the bank. Phil was very helpful in explaining how everything worked!
Great team to work with, able to assist with extension easily, a great load of stress relieved due to teams help.
Great service from start to finish got the funding for more than we asked for and cash in the bank within a week.
Very straight forward process and the account manager was helpful and easy to communicate with unlike the banks!
Ollie was very helpful, understood what I needed and worked promptly to arrange the additional financing. Thanks
This company is a seemingly legal Ponzi scheme. Managed to get out with minor losses. I wish you the same luck.
Valerie was exceptionally helpful and lovely to deal with, but the website could be more functional and clear
Very helpful, informative and no misleading or lies when I spoke to them. Straight to the point, no nonsense.
Had a great relationship with Tom who looked after the process professionally and answered all my questions.
Angus was very helpful to get what I required and processed it very efficiently answering all my questions.
Third time we've used Funding Circle and as before they were very customer focused and met our expectations
Process was quick and efficient, interest rate fair, and service from Sarah our account manager very good.
Very easy to deal with and extremely straight forward from start to finish. Emily was great throughout.
Really pleasant experience. Very helpful and knowledgable. I would definitely recommend fundibg circle.
Valerie was very helpful and went the extra mile to ensure we got our funding. Would highly recommend.
Straight forward process. I was kept up to date and guided all the way through the process. Thank you.
The process was quick and extremely efficient, from start to finish. I'd highly recommend the service.
Start to finish from first enquiry to receiving the funds was only 4 days. Superb professional service
Secured funds to grow the business. Hannah at funding circle made the application process hassle free
This is my second time obtaining a loan and the process was very easy with a quick positive response
Great service and very straightforward process. Far easier than dealing with the high street banks.
Very, very easy process. The staff were very helpful and always got back to me quickly. Thank you.
A fast and professional service with a dedicated account manager keeping in contact at every step.
Funding Circle were so professional and efficiant. Really good communication through the process.
Quick and easy way to secure financing that is up to date with the way modern companies operate.
Quick and uncomplicated service, friendly and great at communicating through the whole process.
Quick efficient professional and easy to deal with Have used them previously highly recommended
It was an easy and pleasant process to get the funding needed within very short space of time .
A very efficient simple method to obtain funding and would certainly consider using them again
Very efficient service and funds transferred quickly. Always a help for an expanding business.
Very quick, straightforward process. The person I dealt with was on the ball. Would recommend.
Really easy process for a funding application everything was explained and decision was quick
Excellent service, very helpful. Simple process, quick decision and processed very quickly
Swift, straightforward but still professional. Highly Recommend. A big thank you to Tilly.
Account manager on hand to answer any questions. Quick and professional service all round.
Excellent communication from start to finish, the process couldn't have been made easier.
Excellent service, fast professional and extremely helpful team. i would highly recommend
Professional and easy personal service - Joana was great and readily understood my needs.
Prompt and efficient service. Very straightforward requirements answer received in 48hrs.
Excellent service, the whole process was quick. Our account manager was very responsive.
Quick and easy to arrange the loan. Nowhere near as challenging as I though it would be.
Very smooth transaction, James was a pleasure to deal with. Would definitely use again.
Very helpful and a pleasure to do business with and a very fast service just excellent.
Such an easy place to work with. Can't help you enough. And excellent customer service
I had a very good experience with Bertie who was helpful and informative at all times.
Very easy from start to finish with a good rate which was ideal for my business needs.
Tom and Joana were extremely helpful and led me by the hand through the whole process
Quick efficient loan service. Always very helpful, if only banks were this efficient.
Easy to apply funding given within 5 days great service. Would recommend to everyone.
Alex was amazing He was so helpful on the process was so very easy thank you so much
Fast, efficient service, although there is some pressure to make a decision quickly.
Quick and easy process, help all the way through and funding received without delay.
Very Easy Quick Smooth Application done with in a week. Excellent Customer Service.
Very helpful - quick turn around- 3rd loan I have had with them- very professional.
Great, fast and secure service. Very efficient process and great customer service.
A slight hic-up initially but once that bridge was crossed everything ran smoothly
Excellent customer service Fast, friendly & seamless process from start to finish
As always excellent service. So much better than any bank can offer! Many thanks!
Excellent customer care and quick response but careful decision making. Thank You
Excellent service, Hannah was amazing, she kept in touch throughout the process.
Overall experience was very good could have been settled a bit quicker though.
Slightly accurate of what they advertise, but fast response and fast payments
Very happy witht the service we received and it was very quick and efficient.
Kylee was GREAT. This process is so much easier than a traditional bank loan!
James was really helpful throughout the process. He was prompt and accurate.
Please stop spamming me with letters. I never agreed to be contacted by you.
Quick and good service. I received money within 5 days from the application.
Very easy to work with. Very friendly. Highly satisfied and would recommend.
Very smooth, great communication throughout and would recommend to a friend
Hassle free, clear communication, quick approval and very customer friendly
Very good communications, friendly staff Smooth process Would recommend
Super fast turnaround and an extremely simple process. Ten out of ten.
Brilliant service and easy to work with, very helpful account manager.
A quick, smooth and responsive service with excellent communications.
The whole process was easy and very quick. Great help to my business.
Super quick and cost effective. Hannah my account manager was superb.
Excellent service from start to finish. Bertie was very professional.
Funding was given to me easy process compared to others such as banks
Alexander was amazing from start to finish, cannot praise him enough
Good service from website to completion. Fast and efficient. Thanks
Excellent communication all the way through to completing the loan.
I found the procedure very simple and it was explained throughout.
I can honestly say it was a pleasant and professional experience.
Valerie was very patient and helpful throughout the whole process
Fast cash when I needed it and a great team to speed the process
Helpful, quick and concise communication and delivery of service
Very good support and an easy fast process through to completion
A very simple, speedy and straightforward experience. Thank you.
Professional attitude and easy step by step application process
Amazing professional service again, would not go anywhere else.
Very helpful and obliging. Could not have asked for any better.
Very easy to deal with and quick to respond to queries we had.
Swift service. Pleased with the support from start to finish.
Promise much and deliver little. Stick with a regular lender.
Very efficient service and received the funds really quickly.
Excellent service, very quick response and easy to deal with.
So surprisingly straightforward and easy, thank you so much!
Very smooth process, clear road mapping, excellent service.
Adam waller did a great job very professional and efficient
Very helpful from the first contact to positive end result
Excellent, efficient and prompt service provided by Angus.
Maggie was very helpful and gave a great personal service.
Very easy to deal with and very helpful members of staff.
Great Service, Very Prompt, Money in your account in days
Great customer service, fast efficient and professional.
Fantastic, very easy, and helped my business massively.
Quick to respond and helpful to achieve what we needed.
Simple and easy, no hassle and instant help with funds
Always someone there to talk to, from start to finish.
Quick and easy process. Contact there was very helpful
No Messing with appointments all done over t'internet
Very good Service Excellent Kind regards Mirjan vathi
Excellent service, very efficient and helpful. Thanks
A pleasure to deal with, great speed and efficiency.
Absolutely brilliant and there when all others fail.
So Helpful so easy and Michael Mistretta a top Guy.
Simple operation good communication excellent staff
Tilly was very helpful and professional throughout
Valerie a great help in keeping the process moving
Very helpful and informative all the way through.
Very easy to apply for loan thanks for your help
Fast and efficient service from Funding Circle.
Very helpful and made the transaction very easy
Attentive, well informed and speedy. Thank you
Communicative, easy to deal with and automated
Excellent, very rapit response, Great service.
Excellent and friendly service and very fast
Great service, very quick and professional.
Great service. Very efficient and no fuss.
Great company, great service, will be back
Very helpful company, very easy experience
First class service and no stress at all!
Very efficient service, simple to set up.
Great Service! Speedy and professional.
Simple and straight forward to sort out
Way better than those bankers at HSBC!
Very good service and quick turnaround
Harry was very responsive and helpful.
Excellent service from start to finish
A straightforward process. Thank you!
Great service with a quick turnaround
Many thanks Tom for all your help .
A swift and streamlined experience.
Very quick, professional, pragmatic
Excellent service very quick Thanks
Everything was so straightforward.
Fast, efficient, minimum of fuss.
A phenomenal customer experience!
Very professional and efficient.
Very efficient and fast service
Excellent service to the point
Great service and very quick.
Extremely efficient service.
Good friendly & fast service
Excellent, courteous service
Great support! Thanks a lot
Fast, efficient and helpful
V happy with speedy service
Honest and very helpful.
Quick and easy loan.
Very good service
Good and quick
Quick and easy
Funding Circle is the UK's leading small business loans platform, where people and organisations can lend directly to small businesses. To date we have facilitated £4.2 billion worth of loans to UK businesses. Helping the economy to grow, businesses can access fast, fair and transparent finance, and investors can earn attractive returns.
Contact:800 048 2467