Funding Circle Full Year 2025 Results, Achieves FY 2026 Revenue Guidance a Year Early

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• 50% of Card customers are new to Funding Circle and the new shorter-term lending product has unlocked previously untapped segments of the SME market

  80% confidence

• Annualised net returns to institutional investors continued to be approximately 5% above cost of capital, resulting in continued investor demand with £2.2bn in committed forward flows

  80% confidence

• Funding Circle delivered a standout performance in 2025, exceeding expectations and hitting 2026 revenue guidance a year early, supporting more SMEs than ever before

  80% confidence

• In 2025, lending through Funding Circle supported over 117,000 jobs and contributed £7.9bn to UK GDP. Every £1 million of lending contributed £2.7 million to GDP, 39 jobs and £700,000 in tax revenue

  80% confidence

• Nearly 70% of FlexiPay revenue comes from existing Term Loan customers, as the company deepens engagement and captures a larger share of customers' financing needs

  80% confidence

• 15 years of proprietary data and technology expertise are the foundation of Funding Circle's competitive advantage, allowing delivery of superior customer experience

  80% confidence

• Strong growth in credit extended led to revenue growth of 28% to £204m and profit before tax increasing to £20m, demonstrating strong operating leverage and profitability

  80% confidence

• There is a significant opportunity to further grow share of the SME finance market, with confidence in the strength and scalability of the platform reflected in new medium-term targets

  80% confidence

• AI-powered credit models are 3x better at discriminating risk than traditional bureau scores, with 15 years of proprietary data including 10 billion data points feeding model development

  80% confidence

• Funding Circle interacts with a customer once every 38 seconds, positioning the company at the heart of their businesses as a trusted financial partner

  80% confidence

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