Compare Funding Circle with Other UK Providers
Funding Circle is one of the UK's most established business lenders, and they're on our panel. But just like car insurance, different providers use different models and specialise in different business types. Comparing ensures you find the best fit.
Independent comparison · All lenders on our panel · Apply once, compare offers
Side-by-side comparison
All providers below are on our panel, including Funding Circle. Apply once through CapExpand and we find the best match for your business.
| Lender | Type | Funding Range | Min Turnover | Speed | Personal Guarantee | Trustpilot | Best For |
|---|---|---|---|---|---|---|---|
| Funding Circle | Term Loan | £10K – £500K | £5K/mo | 24-48 hours | Required | 4.6/5 | Established businesses, fixed repayments |
| YouLend | MCA | £3K – £500K | £5K/mo card | 24-48 hours | Required | 4.5/5 | All business types, often the cheapest |
| 365 Finance | MCA | £10K – £400K | £10K/mo | 24-48 hours | Required | 4.8/5 | Hospitality, retail, restaurants |
| iwoca | Flexi-Loan | £1K – £1M | £2K/mo | 24 hours | Required | 4.8/5 | Flexible repayments, larger amounts |
| Capify | MCA | £5K – £500K | £5K/mo | 24-48 hours | Required | 4.1/5 | Quick approvals, repeat funding |
| Fleximize | Flexi-Loan | £5K – £500K | £5K/mo | 24 hours | Required | 4.9/5 | Flexible terms, personal service |
Why comparing matters
Think of it like car insurance. Two insurers can look at the same driver and quote very different prices, not because one is better, but because each uses a different model and specialises in different risk profiles.
Business funding providers work the same way. Funding Circle, YouLend, 365 Finance, iwoca, and Capify all assess businesses using their own models. The best provider for your business depends on your sector, turnover, trading history, and cash flow pattern. That's why we compare across the panel, so you get the right match.
Which provider suits your business?
You have 2+ years trading and steady cash flow
Funding Circle is well-suited to this profile: their term loan model is designed for established businesses with predictable income. Still worth comparing to see if another provider offers a better rate for your situation.
You have less than 2 years trading
MCA providers like YouLend (from 3 months) and 365 Finance (from 6 months) have models built for earlier-stage businesses. Their assessment focuses on recent card turnover rather than years of accounts.
Your revenue is seasonal or variable
A merchant cash advance may suit your cash flow pattern better. Repayments flex with your card turnover: lower in quiet months, higher when busy. 365 Finance and Capify specialise in this area.
You sell online via Shopify, Amazon, or eBay
YouLend integrates directly with these platforms and can assess your sales data automatically. They work with all business types and are often one of the cheapest options available.
You want the cheapest rate
YouLend is often one of the most competitive on price. That said, every business is different, so it's worth comparing offers from multiple providers to see who comes back with the best deal for your specific profile.
You're not sure which is best
That's exactly what we're here for. Apply through CapExpand and we submit to the providers most likely to suit your profile. It's free and takes 2 minutes.
Frequently asked questions
What other providers can I compare alongside Funding Circle?▼
YouLend, 365 Finance, iwoca, Capify, and Fleximize all sit alongside Funding Circle on our panel. Funding Circle offers term loans, while others offer merchant cash advances or flexible loans. The best option depends on your business profile, cash flow pattern, and what you need the funding for.
Is Funding Circle a good provider?▼
Yes. Funding Circle is one of the UK's most established business lenders with a strong track record and good Trustpilot rating. They're particularly well-suited to businesses with a longer trading history and steady cash flow. That said, every lender has a different model. Comparing ensures you find the best fit for your specific business.
What's the difference between a term loan and a merchant cash advance?▼
A term loan has fixed monthly repayments and is suited to businesses with steady, predictable income. A merchant cash advance repays as a percentage of card sales, so payments flex with your revenue. Neither is better; they're designed for different business types and cash flow patterns.
What if I have less than 2 years trading history?▼
Different lenders' models are designed for different stages of business. MCA providers like YouLend (from 3 months) and 365 Finance (from 6 months) have models built for earlier-stage businesses. Term loan providers like Funding Circle typically need longer histories because their model works differently.
Does comparing lenders affect my credit score?▼
Comparing through CapExpand doesn't affect your credit score. We use a soft search to match you with lenders. Some lenders may run a full credit check later if you choose to proceed with an application, but that only happens with your consent.
Why compare through CapExpand instead of applying directly?▼
We save you time by submitting one application to multiple providers, including Funding Circle and all the providers on this page. You get competing offers and choose the best deal. Our service is completely free.
Real customers. Real reviews.
Verified on Trustpilot
“Friendly and helpful service. Nice to deal with someone in finance that listened and cared. Would use again.”
“Great service very quick and efficient no messing or delay in payments, the funds were very much needed for my business to grow.”
One application. Multiple lenders.
Stop comparing manually. Apply once through CapExpand and we find the best offer from our panel of UK lenders, including Funding Circle.