The normal Return on Investment is about 8.1% which is a lot better than many Hedge Funds. The way they process defaults is a lot better than how a bank would. When a lender defaults, Funding Circle will reduce the payments allowing the borrower to recover. Often the business is able to return nearly all of the money lent.

Funding Circle has been around since 2010 and is a lending marketplace that enables investors to lend cash directly to SMEs. Funding Circle is great for passive income streams which is why Samir Desai, James Meekings and Andrew Mullinger created it.

Funding Circle was the first website to allow P2P 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.