Minority business loans to help you grow

Get your personalized rate Gabriela Hernandez of Besame Cosmetics

All small businesses need access to capital to grow. But historically, minority-owned businesses have had a tougher time getting the money they need.

At Funding Circle, we’ve set out to change that reality. With competitive rates, fast turnaround, and exceptional service, minority-owned businesses look to Funding Circle for capital to grow and evolve.

We’re invested in helping small businesses like yours, and we’re committed to making your experience as stress-free as possible. That’s why we offer:

  • A fast, efficient application process
  • Transparent rates and fees
  • Outstanding service with a dedicated loan specialist
Funding Circle can help you with business financing for your business Click on Apply Now to check your eligibility

What we offer

Rates starting at 4.99%1
Loans from $25K-$500K over 6 months-5 years
A decision in as little as 24 hours after document submission

We've done the legwork to find the investors who want to invest in your business so you can:

Move or expand your space

Move or expand your space

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

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

Hire more employees

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

Move or expand your space

Refinance debt

Refinance debt

Buy inventory or equipment

Buy inventory or equipment

Hire more employees

Hire more employees

Our quick and easy application

Small Business Loan Eligibility

Apply online

In under 10 minutes

Submit your initial application in just a few clicks.

Small Business Loan Support

Hear from us

Within 1 hour

Your personal account manager is available to help you collect your documentation and answer any questions.

Small Business Loan Decision

Get a decision

in as little as 24 hours

Your underwriter will review your completed application and may call to get to know your business more.

Small Business Loan Funded

You get funded

In as few as 5 days

Once you’ve accepted your offer, you’ll receive the funds within days.

Success Story

"I would recommend Funding Circle because they really get small business. The whole process is a lot smoother, faster, and more personalized that what you'd get from a bank."

Pictured: Viola Sutanto of Maika Goods
Loan Details
$2,400/mo. for 24 months

Funding Circle partners with the Minority Business Development Agency

We’ve partnered with the Minority Business Development Agency (MBDA), a bureau of the U.S. Department of Commerce to help minority-owned small businesses navigate the evolving lending landscape and secure the right financing they need to grow.

Why Funding Circle

Our U.S. co-founders started Funding Circle because they were small business owners themselves and had experienced first-hand how hard it is to access affordable and transparent financing. When they couldn’t get a loan to grow their small business — despite the company’s great success — they knew something was wrong. The traditional bank loan system was broken. So, they set out to build a better solution for American small business owners.

A cut above the rest

If you need business funding, this is your place. They were a lifesaver!


No hassle, speedy, great rates and excellent customer service. Definitely recommend!
- Debbie


Thanks to the Funding Circle team for the support. The loan application process was simple to follow and processed quickly. They stepped in to support my business when the banks were useless.
- David

based on reviews

Frequently Asked Questions

How does Funding Circle serve minority small-business owners?
How does Funding Circle’s application process differ from other small business lenders who secure funding for minority business owners?
How long does it typically take to secure a loan from Funding Circle?
Do you offer small business loans for startups?
How do I qualify for a business loan?
Do you have any grants for minority-owned businesses?

Visit our Resource Center

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Have any questions?

Account Manager

Give us a call!

(855) 385-5356

Our dedicated loan specialists are here to help you.

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Download your guide to business loans. See how we compare to other lenders.

1 Rates may vary according to term and overall creditworthiness. To see what rate your business may qualify for, apply today at no obligation.