Funding Circle

Our partnership with Premiership Rugby has helped us back even more small business across the UK. 🏉

Businesses like...
🌟 Classroom Kitchen
🌟 Decoralist
🌟 Top Mark Uniforms

Congratulations to all of our winners, who won business and marketing backing from us. 🤝

📢 Public service announcement 📢
☀️ 1 week's holiday = 3x times more likely to have good mental health ☀️

How many weeks holiday do you take as a small business owner? Running a business can be all-encompassing. And it's all too easy to work all hours to get through your to-do list.

But stop 🛑 We've done the research and it really is true that taking a break is good for your mental health.

Taking a step back at regular intervals is vital to ensure you’re able to keep driving your business forward over the long-term – and the same goes for your staff too.

So prioritise time off now and thank us later! 😊

What does the new Labour Government mean for the UK's small business?

Let us know what you think, or leave a comment if you'd like to read our blog on the changes.

📣 NEW changes to give small businesses more flexibility with their finance 📣

Rachael Raymond, our Head of Broker, explains the changes we've made to back SMEs with flexible finance 👉 https://bit.ly/3WdqXCq

✅ “Helpful advice when needed.”

We always love to shout about it when we get fantastic feedback from happy customers. 📣

If you’re looking for finance to grow, adapt or increase your resilience, a fast, affordable business loan can help – apply in minutes today on our website.

When considering finance for your small business, how do you know which product is right for you? 🤔

We talk you through the key differences between asset finance and term loans 👇

Asset finance or term loan – which is right for your business? | Funding Circle UK Wondering whether an asset finance deal or a loan would be best for your business? Our new blog explains the differences between the two.

🌿🤍 Backing small business with mental health support 🤍🌿

Our partnership with Thrive Mental Wellbeing offers ALL small businesses in the UK access to much-needed mental health support.

🤍🌿 You don't have to be a Funding Circle customer. 🤍🌿

Thrive Mental Wellbeing are an innovative, full-service mental health provider trusted by the NHS.

Interested? Leave us a comment and we'll send the link. 👇

With the new Government-backed Growth Guarantee Scheme now open, here's everything you need to know 👇

Any questions? Let us know in the comments.

The Growth Guarantee Scheme – top questions answered | Funding Circle UK The Government-backed Growth Guarantee Scheme, the successor to the Recovery Loan Scheme, launched on 1st July. Here’s what we know so far.

We’ve got your back. 🤝 From free mental health support to putting our money where our mouth is, here are 5 ways Funding Circle back small business. 👇

5 ways Funding Circle are backing independent retailers | Funding Circle UK If you’re an independent retailer, we’ve got your back. In celebration of Indie Retail Month, here are 5 ways we back independent retailers.

Green shoots of recovery? 🌱 Increasing numbers of small businesses plan to expand over the coming year 🙌 A word from our CEO, Lisa Jacobs 👇

“Day in, day out we see remarkable innovation and adaptation from SMEs dealing with a multitude of challenges and economic uncertainty,” says Lisa.

“It is encouraging to see some green shoots as increasing numbers of small businesses are reporting plans to expand over the coming year, which will be beneficial for our communities, jobs and the whole UK economy.

“Funding Circle looks forward to backing these businesses and supporting their growth with much needed finance.”

🏉 Backing small business across the country with Premiership Rugby – the highlights of an epic season 🙌

Click here 👉 https://bit.ly/4bqXhaA

🚀 10 ways FlexiPay could help your business 🚀

If your small business could benefit from extra cash flow without the long-term commitment of a loan, then FlexiPay could be right for you.

💳 FlexiPay is a line of credit and business credit card designed to give small businesses more flexibility with their finances. There’s no interest or annual fee, just a simple flat fee on each transaction.

Thousands of businesses are already using FlexiPay. Here are 10 ways FlexiPay can help your business.

1️⃣ Spread costs
2️⃣ Make everyday purchases on the go
3️⃣ Reduce costs
4️⃣ Bridge cash flow gaps
5️⃣ Seize opportunities
6️⃣ Keep your staff happy
7️⃣ Simplify your finances
8️⃣ Prepare for the unexpected
9️⃣ Manage from anywhere
🔟 Stay on top of your finances

If it sounds like FlexiPay could help your business, you can find out more and check your eligibility in just 30 seconds on our website.

Is asset finance the right option for you and your business? Find out here 👇

7 benefits of asset finance that could help your business | Funding Circle UK If you’re looking to grow your business by investing in new assets, you may be considering which type of finance is best suited to your needs. Asset finance could be a great option if you’re looking for new or used assets, such as vehicles, machinery or equipment, or to raise finance against an ...

🎉 Great news for the UK's small businesses – the Growth Guarantee Scheme is now live. 🎉

Launched last week, it's designed to support access to finance for UK smaller businesses as they look to invest and grow.

Want to know more? Leave us a comment for more information.

🗳 Polling Day 🗳

We’re waiting to see what happens after Britain goes to the polls today, with a keen eye on the winning party’s plans for economic growth. 🌱

Stay tuned for our update on what the results mean for the UK’s small businesses.

Some good news for small businesses... ☕️🎁

From our morning coffee, to finding a unique piece for our home, or the perfect gift on Etsy, more than ever we're favouring shopping small and local when it comes to spending our money.

Our research has shown that shopping with small businesses makes people feel...
💜 Positive (40 per cent of the people we surveyed)
🤝 Supportive (50 per cent)
😊 Happy (28 per cent)

We're celebrating Independent Retailer Month this July with success stories from small businesses that Funding Circle have supported.

🏳️‍🌈 PROUD 🏳️‍🌈

We saw out the end of with a bang. 💥 On Saturday, Circle of Pride marched in the Pride in London parade, along with some other finance and insurance companies as part of our ongoing work with InterInvest.

Kate Turgoose, co-lead of Circle of Pride, said: "This is the first time that Funding Circle have ever done this so I am immensely proud that we managed to make this happen."

We've had a great Pride month, thanks to the hard work of the employee-led Circle of Pride. 🌈 Thank you for all you did this month and throughout the year to drive positive change and ensure Funding Circle remains an inclusive place to work. 🙏

Looking for a flexible solution to help manage your cash flow?

There is support available 👇

How hassle-free flexible borrowing and cash flow solutions support SMEs Small businesses continue to face economic challenges. However, their resilience should not be underestimated — and support is available to help them manage cash flow.

Did you know we offer asset finance?

If now is the time to invest in your business to help it grow, then our asset finance service could provide the funding needed.

Late last year we launched a new service to make it quicker and simpler to finance new business assets, from cars and vans to machinery and equipment. Now, with new rate options added to our service, you could benefit from even lower costs.

To see how we can help your business, apply online in 10 minutes and you’ll get a decision in as little as 24 hours.

"Efficient, fair and fast." You can't say fairer than that!

🙏 Thank you 🙏 to all those who got involved in our second year of partnership with , and what a season it was! 🏉

From announcing our first-ever brand ambassador, Jamie George, to a thrilling Final at Twickenham – we want to say a big thank you for making it so special.

On the 30th June, the Government-backed Recovery Loan Scheme comes to an end. It will be replaced by the Growth Guarantee Scheme. 🌱

Here’s what you need to know. 👇

What you need to know about the end of the Recovery Loan Scheme | Funding Circle UK We are pleased to have supported more businesses across the UK by offering finance under the Government-backed Recovery Loan Scheme (RLS). Offering this scheme alongside our fixed-rate business loans allows us to say yes to more businesses and help them adapt and grow during challenging times. As an...

📌 A guide to full expensing – What does it mean for my business?

Recent changes to full expensing may be beneficial to your business. Read on to find out what full expensing means and its potential benefits to your business.

🤔 What is full expensing? 🤔

Full expensing allows certain businesses to deduct 100% of the cost of capital expenditure (e.g. qualifying vehicles, equipment or machinery) from their taxable profits in the year it was purchased.

This effectively reduces the cost of your new asset by up to 25%, depending on your rate of corporation tax. So, for example, if your corporation tax rate is 25%, for every pound you spend on capital expenditure, you will pay 25p less tax.

🤔 What assets qualify for full expensing? 🤔

Full expensing applies to all new and unused plant and machinery purchases used within the course of business. Capital expenditure that may qualify includes:
👉 Machines
👉 Office equipment
👉 Vans, lorries and tractors
👉 Warehousing equipment
👉 Tools
👉 Construction equipment

🤔 Am I eligible for full expensing? 🤔

Full expensing is only available to businesses that are subject to corporation tax.

🤔 Can I get help to finance the purchase of new equipment? 🤔

Our new asset finance service could make the purchase of new equipment more affordable, and help you get your equipment as soon as possible. Get in touch to find out more.

Would your cash flow cover you if the worst happened? Lessons from a small business owner 👇

1️⃣ Family is always first, but make sure you plan for times you cannot work due to factors beyond your control.

2️⃣ Always explore your funding options.

3️⃣ Cash flow is key. It’s a killer of small businesses.

When Suzi Stringer's dad fell ill, she found herself struggling to juggle caring responsibilities for both him and her young children, as well as running her business.

"It wasn’t sustainable," said Suzi, managing director of consultancy SCVW LTD trading as HOLISTEC Learning.

"I had to leave a really good contract early and there wasn’t anything else substantial in the pipeline."

"I dropped the ball. I didn’t have time to chase payments that I needed for cash flow. Anyone who runs a business will know cash flow is key.

"Months passed and I was unable to get back to work due to my family circumstances. Having had a bumper year last year I was met with a massive (for me) tax bill and no money cleared to pay it."

⚡️ When Suzi approached us for finance, we were able to support her through our network of lending partners, opening the door to more options for funding. ⚡️

If you would like to explore your funding options, get in touch.