Funding Circle Business Loans

Name: Funding Circle Business Loans
Brand: AptPay
Rating: 5 (12 reviews)

Through a collaboration with Funding Circle, we are now offering business loans for UK-based businesses.

Collectively, we provide clear, flexible, and transparent funding solutions to support the aspirations of businesses. Whether you aim to invest in fresh inventory, expand your premises, or elevate your enterprise to the next level, we are here to help you access additional finances to do so.

Sign up today

Get a FREE Quote



Borrow from £10,000 to £500,000



Short and long-term options



Fixed interest rates

Since 2010, the Funding Circle have helped 140,000 businesses borrow £16 billion. Yours could be next.

Why Choose Funding Circle Loans with AptPay?

Experience efficient and tailored financing with Funding Circle Loans through AptPay. Here’s why we stand out:

Rapid Online Application:

Complete your loan application in just 10 minutes, respecting your time and convenience.

Quick Decision-Making:

Expect swift approvals, often within 1 hour, balancing efficiency with a thorough evaluation.

UK-Based Support:

Our dedicated support team is ready to guide you through the process and address your concerns.

Transparent Fixed Rates:

Enjoy stability with fixed interest rates, ensuring predictability throughout your loan term.

Flexible Borrowing:

Tailor your loan to your needs, borrowing any amount between £10,000 and £500,000.

Competitive Rates from 6.9%:

Benefit from competitive rates starting at 6.9% per annum, providing excellent value for your investment.

No Early Settlement Fees:

Adapt to changing circumstances with the freedom to settle your loan early without additional fees.

Choose Funding Circle Loans with AptPay for a fast, transparent, and customer-focused lending experience. Your financial journey is simplified.

Apply for a Business Loan Today

Discover your rate without affecting your credit score.

As a limited company or LLP, you can get a loan decision without impacting your credit score, allowing you to explore your options with peace of mind. Check your eligibility and apply online, if approved, funds are typically deposited within 48 hours.

Apply Now for a Quick Decision

    
 
 
       Posted on Google  
   
   Saman Hassan 
 6 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. I managed to secure funding for my business through Mohammed on monthly repayment terms and the service was excellent from start to finish. Mohammed was professional, responsive and genuinely helpful throughout the whole process. He took the time to understand what I needed, kept me informed at every stage and made everything feel straightforward and stress free. What impressed me most was how approachable and committed he was. Nothing seemed too much trouble and he always came back to me promptly whenever I had a question. It is refreshing to deal with someone who combines professionalism with a genuinely caring approach. I am very grateful for his support and would not hesitate to recommend him to anyone looking for business finance. Thank you, Mohammed, for all your help. It was a pleasure working with you.
  
 
      Posted on Google  
   
   Anita Kaur 
 26 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. I’m a small business owner and needed funds to grow the company. And with divine intervention, I came across Mohammad who saved the day! He was calm, reassuring and extremely helpful and knowledgeable. Mohammad was highly professional and put me at ease straight away. Made the whole process simple and straightforward which I really appreciated. Within those few hours of our initial conversation, Mohammad managed to secure me a loan extremely quickly. I can’t thank him enough for his dedication and will 100% be returning to him in the future. Thank you Mohammad! ⭐️
  
 
      Posted on Google  
   
   JJ_n_TY Chitiyo 
 22 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. Was recently recommended to Mohammad by a friend for a business loan and the experience was excellent. Very quick responses, efficient service and everything moved much faster than expected. He managed to arrange multiple offers which gave me a choice to pick the best fit for my business needs. The whole process felt straightforward and hassle-free. Reliable service and definitely someone I’d recommend to others. Regards, GOLDEN SQUARE HEALTHCARE LIMITED
  
 
      Posted on Google  
   
   Brenda Chikosha 
 25 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. My first time using their service. Mohammed has been great in getting a business loan for us when no one else could. We’re so grateful. Very quick process. Will use him again 🙏.
  
 
      Posted on Google  
   
   Caphas Chisangowerota 
 22 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. Big thanks to AptPay and Mohammad for helping us secure funding for our care home. We were struggling with delayed council payments while needing to pay staff on time. After trying many lenders without success, they stepped in and delivered quickly. We ended up taking a short-term loan, which actually worked perfectly for our needs. Great service, fast response, and very understanding of real business challenges.
  
 
      Posted on Google  
   
   MUHAMMAD ZAMAN WARRAICH 
 17 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. My business is based in Dublin, Ireland, and Mohammad helped me secure a business loan from London. The whole process was smooth and easier than I expected. He took the time to understand my situation, explained everything clearly, and kept me updated throughout. I always felt like I knew what was going on, which made a big difference. Thanks to his support, I was able to get the funding I needed and keep my business moving forward. I’d definitely recommend him to anyone looking for reliable help with business finance.
  
 
      Posted on Google  
   
   Robin Sharma 
 14 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. We run Avatar Group Ltd, managing restaurants and hotels in Shrewsbury, and like any business, there have been moments where the right support really mattered. Mohammad came through for us at exactly the right time. He helped arrange £300K in funding, and honestly, that gave us the push and stability we needed to keep things moving forward. What stood out was how easy he was to deal with — no complications, no pressure, just clear communication and someone who actually understood what we needed. We’re genuinely thankful for his support. It made a real difference to us and the business.
  
 
      Posted on Google  
   
   isaac ogundiran 
 10 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. I run a wholesale business based in Glasgow, regularly buying stock in bulk from overseas, so cash flow is always key. I was introduced to Mohammad through a friend’s recommendation, and I’m really glad I reached out. He acted quickly and made the whole process smooth and straightforward. What stood out most is that he’s available 7 days a week it genuinely feels like he’s working alongside me, his customer service s is top notch 👌 Really appreciate the support. He helped me secure the business loan I needed without stress. Highly recommended.
  
 
      Posted on Google  
   
   Rebwar 
 24 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. Needed funding. Mohammad delivered. Business advance secured. Excellent service. Highly recommended.

How It Works



Instant Eligibility Check:

Quickly assess your qualification status without impacting your credit score.

h

Effortless Online Application:

Complete a straightforward online form within as little as 10 minutes, providing necessary details about yourself and your business.



Swift Decision-Making:

Receive a prompt loan decision. If approved, you’ll be presented with a personalised, no-obligation quote tailored to your specific needs.



Fast Fund Disbursement:

Upon accepting your offer, funds will be promptly deposited into your account. Experience a seamless and efficient funding process.

Are You Eligible?

To apply for a loan with us, you should:

Have a trading history of 1 year or more
Be based in the UK

Who are Funding Circle?

Funding Circle is a leading name in the business finance industry, and just like us, they are dedicated to supporting businesses like yours.

Our Business Loans

Whether you’re seizing exciting opportunities, managing cash flow, or stocking up on inventory, our specialist finance options are designed to take your business further.

Our loans range from £10,000 to £500,000, with rates starting at just 6.9% per year. With a simple application process, and even quicker approvals, what are you waiting for?

What it Costs

We believe in transparency. Your loan cost depends on the borrowed amount, interest rate, and loan term. Our fixed-rate loans ensure you know exactly what you’ll repay each month, with no extra costs for settling early.

You can benefit from competitive interest rates starting at 6.9% per year, making our business loans more affordable than traditional financing options.

FAQ

How do I know if a business loan is right for me?

Consider your goals. Business loans are suitable for buying assets, expanding, improving credit scores, or managing cash flow. If uncertain, our experts are here to guide you.

What types of business loans are available?

Explore various options such as the Recovery Loan Scheme, Unsecured Business Loans, Working Capital Loans, Company Loans, and Self-Employed Loans. Asset Finance is also an option for specific needs.

What if I've been previously refused a loan?

Review your financials, improve your credit score, and address outstanding debts before reapplying. These steps can increase your chances of a successful application.

Are business loans hard to get?

We strive to make the process fast and hassle-free, approving thousands of loans yearly. Our goal is to assist businesses in securing the funding they need.

How does the loan repayment process work?

Monthly payments start one month after funding, with the flexibility to settle early without incurring extra fees. We aim to provide a straightforward and adaptable repayment structure.

How can I reach the support team for additional questions?

Feel free to contact our dedicated support team.

How does the cost of a business loan vary?

The cost depends on the borrowed amount, interest rate, and loan term. A one-time completion fee is charged upon initiation, and interest rates are influenced by factors like credit score and financial standing.

What loan amounts are available?

Apply for a small business loan ranging from £10,000 to £500,000, providing flexibility to meet your business financing needs.

Can I choose a flexible loan term?

Yes, select a loan term from 6 months to 6 years, with no additional fees for full early repayment. Tailor your repayment schedule to match your business needs.

Is a personal guarantee required for approval?

Approval for a Funding Circle business loan may require a personal guarantee to secure the loan.

What documents are required for the loan application?

After completing the online form, submit essential documents, including up to eight months of business bank statements and comprehensive unabbreviated accounts detailing profit and loss.

When do the repayments start?

Monthly payments commence one month after your loan. Direct debit payments are processed up to 5 days before the due date to ensure timely processing.

Can I repay the loan early without additional fees?

Yes, enjoy the flexibility of settling your business loan early at any time without incurring additional fees. We provide hassle-free repayment options to help you take control of your financial strategy.

Is a business loan right for me?

Consider a business loan if you’re investing in assets that add long-term value, need additional funds for business growth, have a goal to improve your business credit score, or require assistance with cash flow management.

When might a business loan not be suitable?

A business loan may not be suitable if finding the right loan amount with suitable terms is challenging, there’s uncertainty about meeting repayment obligations, or a recent business loan rejection occurred. It may also not be ideal if all existing lines of credit have been exhausted.

How can I qualify for a small business loan?

Factors considered include your situation and trading history of at least one year. Apply for a business loan with us to check your eligibility.