Once you’ve signed up for an account and we’ve securely connected your bank account, we will verify your accredited investor status. You can then transfer a minimum of $25,000 into your investment account. Funding Circle funds loans for small businesses and makes them available to you as Notes, representing portions of the loan. Our Auto Invest tool will automatically invest your money in creditworthy small business loans. Or, if you prefer, you can choose individual Notes in our pick-and-choose marketplace. Put as little as $500 into each Note using Auto Invest or the pick-and-choose marketplace. Borrowers repay loans through fixed monthly payments. As a Notes investor, you will receive shares of each payment on corresponding loans (net of the servicing fee). Log in to the Investor Portal via web or mobile app (iOS or Android) at any point to see how your investments are performing and get summarized statistics for your portfolio. As long as you keep Auto Invest active, your repayments will be continuously lent out again on newly originated loans. This helps your interest to compound. Our tool will automatically continue investing, ensuring your money is being put to work for you.

Funding Circle charges a 1.00% servicing fee, which is applied as a 1/12th of 1% (0.083%) monthly fee on the unpaid principal balance of outstanding loans. This fee is assessed by Funding Circle Notes Program and is deducted from borrower payments on the loans underlying your Notes. Funding Circle Securities does not charge any separate or additional brokerage account or transactional fees.

Investing in small business loans carries risk. Your returns depend entirely on payments received as business owners repay their loans. If a business is late on their payments or defaults on their loan, your returns will be correspondingly late or reduced. It’s important to remember that some businesses will not be able to fully repay their loan. A full description of the risk factors involved with investing can be found in the Private Placement Memorandum (PPM), shared with you during your account setup. To earn a more stable return, we encourage you to build a diversified portfolio by splitting your investment into lots of small pieces. Our Auto Invest makes this easy to do, so you can relax as you invest in financing to many different businesses.