Funding Circle was the first business to allow peer-2-peer lending for businesses in the UK and now operates in the Germany, US, UK and the Netherlands. Funding Circle has facilitated over £5 billion in loans to SMEs as at June 2018. Funding Circle was founded in 2010 by James Meekings, Samir Desai and Andrew Mullinger.

Funding Circle has been trading since 2010 and is a lending marketplace that enables investors to lend funds directly to small and medium-sized businesses. Funding Circle is great for investors looking for better RoI. The typical Return on Investment can be up to 7.9% which is better than some Hedge Funds. The way they handle defaults is a lot better than some banks. When a lender defaults, Funding Circle will reduce the payments allowing the borrower to recover. Often the company is able to return nearly all of the money lent.