The typical Return on Investment was about 7.0% which is a better than some Hedge Funds. The way they process defaults is a lot better than how a bank would. When a lender defaults, Funding Circle will ease back on the payments allowing the company to recover. Often the company is able to return most of the capital.

Funding Circle was the first website to allow peer-to-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 small businesses as at June 2018.

The company has been around since 2010 and is a lending marketplace that allows investors to lend money directly to small and medium-sized businesses. Funding Circle was founded in 2010 by James Meekings, Samir Desai and Andrew Mullinger. Funding Circle was brilliant for passive income, but was closed to the public during the COVID-19 pandemic.