Funding Circle Holdings plc (FCH)

Profile

https://www.fundingcircle.com

Funding Circle Holdings plc is a leading UK financial technology company specializing in providing loans and financial services to small and medium-sized enterprises (SMEs). Founded in 2010 by Oxford University alumni, it originated as a peer-to-peer lending platform but fully transitioned to institutional lending by 2022, selling its US operations in 2024 to focus exclusively on the UK market. The company has facilitated over £16 billion in loans to more than 110,000 SMEs, supporting job creation, economic growth, and community prosperity through its capital-light technology platform. Key products include term loans from £10,000 to £750,000, FlexiPay—a flexible credit line up to £250,000 for cash flow management—and the Cashback Business Credit Card offering up to 2% cashback on spending. Leveraging advanced data analytics for superior risk assessment and 75% instant decisions, Funding Circle delivers high customer satisfaction with an 81 Net Promoter Score. Regulated by the Financial Conduct Authority and headquartered in London, it partners with institutions like Barclays and Bayview Asset Management to power SME growth in a £84 billion addressable loans market.