Funding Circle Holdings plc, alongside its network of subsidiaries, operates online lending platforms that cater to a global market, with significant presence in the United Kingdom and the United States. The company provides a diverse range of financial solutions to small and medium-sized enterprises (SMEs), including traditional small business loans, specific recovery loan initiatives, and broader business finance options. Its offerings also extend to Flexipay and associated Flexipay card services. Furthermore, Funding Circle functions as a distinct, bankruptcy-remote special purpose entity. In this capacity, it issues debt securities to qualified (accredited) investors, with the returns on these securities directly linked to the performance of loan repayments. The firm was founded in 2010 and maintains its corporate headquarters in London, United Kingdom.