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Funding Circle

Fast technology and underwriting conduit for small business finance.

Summary description

Peer to peer lender (individual and SME lending to SMEs)

Loans 1-3 years tenor

High quality standard for credit underwriting

“Auction” process for loan part offers

Sale of loan parts in secondary market

Set up to meet regulatory standards

Opportunity investment thesis

Big banks in UK not lending to SMEs under capital rebuilding pressure

Increasing evidence of scale ability of individuals to decide own actions in financial services on the web

Price advantage for lenders vs. deposit rates; savings by borrowers vs. bank fees and spreads

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