Funding Circle was started in 2010 by Samir Desai, James Meekings and Andrew Mullinger. Funding Circle is brilliant for investors looking for a better return than many bank could give them. The typical Return on Investment is about 7.8% which is better than many Hedge Funds. The way they handle defaults is a lot better than many banks. When a lender defaults, Funding Circle will ease back on the payments allowing the company to recover. Often the business is able to return most of the capital.

Funding Circle has been trading since 2010 and is a lending marketplace that allows investors to lend money directly to small and medium-sized businesses.

Funding Circle was the first business to allow P2P lending for companies in the UK and now operates in the Netherlands, Germany, US & UK. Funding Circle has enabled over £5 billion in loans to small businesses as at June 2018.