Cash flow financing | Funding Circle U.S.

As a business owner, you might be wearing twelve different hats on any given day, and you can’t afford to stop and wait on client payments. Funding Circle is here to deliver the cash flow financing options you need quickly, so you can focus on what’s important – growing your business. We’re committed to offering:

Best-in-class service with a dedicated account manager
Fixed monthly payments
Transparent rates and a simple, one-time origination fee

The cash flow financing you need to:

Move or expand your space

Give your business room to grow with a bigger office, new location, or more warehouse space.

Refinance debt

Convert high-interest debt into one monthly payment, with no prepayment penalties.

Buy inventory or equipment

Invest in new equipment and fulfill every order through bulk inventory purchases.

Hire more employees

Take your business to the next level by expanding your team and adding new skill sets.

Cash flow financing made simple

Financing a thriving business shouldn’t be complicated. We offer the cash flow financing that helps move your business forward, so you can focus on staying competitive and profitable. Together, we’ll build a partnership for growth.

Why Funding Circle

Funding Circle was created with a big idea: to revolutionize the outdated banking system and secure a better deal for small businesses. We passionately believe that when small businesses succeed, everyone benefits. To help your business thrive, we’ve taken the best parts of an SBA loan — like fixed and affordable once-monthly payments and no prepayment penalties — and created something faster and more flexible. From accountants and jewelers to bakers and filmmakers, we’ve helped thousands of businesses secure the financing they need to grow, create jobs, support local communities, and drive the economy forward.

Frequently asked questions

While the underwriting process at traditional banks can be clunky and opaque, Funding Circle delivers a best-in-class experience to our business customers. You’ll work with a dedicated loan specialist who will guide you through the entire application process and remain focused on meeting your unique financing needs. And we will never leave you waiting — you’ll have a decision from us in as little as 24 hours after document submission. We also deliver competitive rates, with no prepayment penalty or any other hidden fees.

We believe you are more than just your credit score. That’s why we look at a number of factors to evaluate your application, which may include ownership structure, current cash flow, credit history, credit score, and profitability. After you submit your financial documents, an underwriter will review your application and may contact you to get a better understanding of your business. Our underwriters examine what we call the 5 Cs of credit:

Capacity: Your ability to pay back the loan, including an evaluation of your cash flow and your debt service coverage ratio
Conditions: How you intend to use the loan and the state of your business’ industry
Capital: How much money you’ve invested in the business already
Collateral: What type of assets and property you own
Character: Your trustworthiness and business’ stability

Funding Circle’s application process is quick, easy, and transparent. You can apply for a loan and get a decision in as little as 24 hours after document submission.

We like to support all kinds of entrepreneurs, but our focus right now is on helping established small businesses grow and thrive. To qualify for a loan on our marketplace, your company has to have been in business for at least two years.