Type:
Debt
Focus:
Corp. Debt

Overall:

Platform Provided Due Diligence:

Platform Fees:

Quality of Deals:

Website - Funding Circle

Fees - 0.083% per month

Phone - (855) 385-5356

Funding Circle Securities is the affiliated broker–dealer of Funding Circle USA, an online small business loan marketplace. By avoiding the costs and complexities of many traditional financial institutions, Funding Circle USA provides accredited and institutional investors the opportunity to invest in American small businesses.

Browse term loans underwritten by credit professionals using proprietary data analytics

Select loans that suit you

View key loan data and select Notes that meet your investment criteria

Our underwriting team analyzes every application and only allows established and creditworthy businesses to borrow through Funding Circle USA. However, it’s important to remember that some businesses will not be able to repay their loans. Diversification is the best way to manage risk. This means spreading your investments across a number of businesses so you are only investing a small amount in each one.

Let the investors that bought debt deals on Funding Circle determine if Funding Circle is a scam platform or a legitimate debt platform. The reviews and ratings will be the key factor. 

Due Diligence & Discussions

Share your experience. Rate and comment!

Dan R

Apr 09, 2017

I deployed $35K over 9 months starting in Sep 2015.  Out of 176 loans, 8 have defaulted.  My simple annualized rate of return since fully deployed has been steadly declining due to defaults, and is currently at 5.8%.  I was under the impression that these loans were secured by real property, but they seem to simply write them off after a few months of non-payment.  I have had no recoveries or updates talking of recoveries.

Example:  "The borrower has filed a personal bankruptcy and has told us the business is no longer a going concern. We have been able to verify that the business has no assets to speak of and so a suit against the business entity at this time would be unwise. We plan to default this loan at 90 days past due and will continue to monitor both the personal bankruptcy and the state of the business. Chances for further recovery are low."

I am exiting this investment.  This will take 3 years.

H S

Jan 30, 2017

I tried them in 2015 and have about half myinvestment still with them today.  I had a handful of defaults, but I will still earn a decent return.  I am worried its a bit late in the business cycle to invest in corporate debt.  I like the security of having real estate as the collateral behind the loan.

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Funding Circle Funding Circle
Rated 2.5/5 based on 4 customer reviews

Website - Funding Circle

Fees - 0.083% per month

Phone - (855) 385-5356

Funding Circle Securities is the affiliated broker–dealer of Funding Circle USA, an online small business loan marketplace. By avoiding the costs and complexities of many traditional financial institutions, Funding Circle USA provides accredited and institutional investors the opportunity to invest in American small businesses.

Browse term loans underwritten by credit professionals using proprietary data analytics

Select loans that suit you

View key loan data and select Notes that meet your investment criteria

Our underwriting team analyzes every application and only allows established and creditworthy businesses to borrow through Funding Circle USA. However, it’s important to remember that some businesses will not be able to repay their loans. Diversification is the best way to manage risk. This means spreading your investments across a number of businesses so you are only investing a small amount in each one.

Let the investors that bought debt deals on Funding Circle determine if Funding Circle is a scam platform or a legitimate debt platform. The reviews and ratings will be the key factor.