Funding Circle Review (2026)

The short version

Longer terms help keep payments manageable on larger loans. On our business loan comparison, it's labeled Best for longer terms.

Key facts

What stands out

• Term loans from $25,000 to $500,000
• Repayment terms up to 84 months
• Funds in as little as two days after approval

Pros and cons

How Funding Circle compares

Head-to-head comparisons

• Funding Circle vs Bluevine
• Funding Circle vs OnDeck

Alternatives to consider

• Bluevine review · Best line of credit
• OnDeck review · Best for same-day funding

What to check before you sign up

Whichever business loan provider you choose, compare these points:

• APR vs. factor rate. Some products quote a factor rate instead of APR. Convert both to total repayment so you can compare them fairly.
• Repayment schedule. Daily or weekly payments affect cash flow more than a monthly schedule, even at the same total cost.
• Time to funding. Online lenders can fund in days. Banks and SBA loans take longer but often cost less.
• Personal guarantee and liens. Many loans require a personal guarantee or a blanket lien on business assets. Know what you are pledging.