Funding Circle

Funding Circle is a UK small-business lending marketplace providing term business loans, the FlexiPay revolving line of credit, a cashback business credit card, government-backed Growth Guarantee Scheme loans, and asset finance. For partners and brokers it publishes the Funding Circle Introducer API, which lets platforms submit and manage business loan applications programmatically: create term or FlexiPay applications, poll application status, retrieve credit decisions, and upload supporting documents. The API uses OAuth 2.0 client-credentials authentication, RFC 7807 problem-detail errors, callback-URL webhooks, and a sandbox environment with documented test values.

Funding Circle publishes 3 APIs on the APIs.io network: Decisions API, Documents API, and Loan Applications API. Tagged areas include Company, Consumer, Lending, Small Business, and Fintech.

The Funding Circle catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Funding Circle’s developer surface includes documentation, API reference, support, authentication, sandbox, and 17 more developer resources.

🌐 Visit website 📡 Source on GitHub

31.8/100 thin ▬ flat Agent 26/100 agent aware saas Full breakdown ↓
scored 2026-08-30 · rubric v0.17.2

AccessSelf serve

1 APIs 1 MCP Servers

Company Consumer Lending Small Business Fintech Loans Financial-Services Payments

Kin Score

Kin Score How this is scored →
scored 2026-08-30 · rubric v0.17.2

Composite quality — 31.8/100 · thin

Contract Quality 4.7 / 21

Developer Ergonomics 8.8 / 17

Access Clarity 4.7 / 17

Operational Transparency 1.2 / 11

Contract Governance 0.5 / 10

Discoverability 6.5 / 9

Regulatory Posture 5.9 / 15

Agent readiness — 26/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Surface 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/funding-circle: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 3

Individual APIs this provider publishes, each with its own machine-readable definition.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer

MCPServer

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Conventions

Lifecycle

Webhooks

Conformance

DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: funding-circle
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/funding-circle.png
name: Funding Circle
description: 'Funding Circle is a UK small-business lending marketplace providing term business loans, the FlexiPay revolving
  line of credit, a cashback business credit card, government-backed Growth Guarantee Scheme loans, and asset finance. For
  partners and brokers it publishes the Funding Circle Introducer API, which lets platforms submit and manage business loan
  applications programmatically: create term or FlexiPay applications, poll application status, retrieve credit decisions,
  and upload supporting documents. The API uses OAuth 2.0 client-credentials authentication, RFC 7807 problem-detail errors,
  callback-URL webhooks, and a sandbox environment with documented test values.'
url: https://raw.githubusercontent.com/api-evangelist/funding-circle/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
- index-ventures
- ribbit-capital
- union-square-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Consumer
- Lending
- Small Business
- Fintech
- Loans
- Financial-Services
- Payments
tags_raw:
- Company
- Consumer
- Lending
- Small Business
- Fintech
- Loans
- Financial Services
- Payments
apis:
- aid: funding-circle:funding-circle-decisions-api
  name: Funding Circle Decisions API
  description: Retrieve credit decisions
  humanURL: https://www.fundingcircle.com/uk/partners/developer/api-doc/
  baseURL: https://api.fundingcircle.co.uk/v1
  tags:
  - Decisions
  properties:
  - type: OpenAPI
    url: openapi/funding-circle-decisions-api-openapi.yml
  - type: Documentation
    url: https://www.fundingcircle.com/uk/partners/developer/api-doc/
  - type: APIReference
    url: https://www.fundingcircle.com/uk/partners/developer/api-doc/
- aid: funding-circle:funding-circle-documents-api
  name: Funding Circle Documents API
  description: Upload supporting documents
  humanURL: https://www.fundingcircle.com/uk/partners/developer/api-doc/
  baseURL: https://api.fundingcircle.co.uk/v1
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/funding-circle-documents-api-openapi.yml
  - type: Documentation
    url: https://www.fundingcircle.com/uk/partners/developer/api-doc/
  - type: APIReference
    url: https://www.fundingcircle.com/uk/partners/developer/api-doc/
- aid: funding-circle:funding-circle-loan-applications-api
  name: Funding Circle Loan Applications API
  description: Create and manage business loan applications
  humanURL: https://www.fundingcircle.com/uk/partners/developer/api-doc/
  baseURL: https://api.fundingcircle.co.uk/v1
  tags:
  - Loan Applications
  properties:
  - type: OpenAPI
    url: openapi/funding-circle-loan-applications-api-openapi.yml
  - type: Documentation
    url: https://www.fundingcircle.com/uk/partners/developer/api-doc/
  - type: APIReference
    url: https://www.fundingcircle.com/uk/partners/developer/api-doc/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: http://www.fundingcircle.com
- type: DeveloperPortal
  url: https://www.fundingcircle.com/uk/partners/developer/api-doc/
- type: Documentation
  url: https://www.fundingcircle.com/uk/partners/developer/api-doc/
- type: APIReference
  url: https://www.fundingcircle.com/uk/partners/developer/api-doc/
- type: Support
  url: https://www.fundingcircle.com/uk/support/
- type: Login
  url: https://www.fundingcircle.com/uk/auth/login/
- type: TermsOfService
  url: https://www.fundingcircle.com/uk/legal/platform-terms-of-use/
- type: PrivacyPolicy
  url: https://www.fundingcircle.com/uk/legal/privacy-policy/
- type: GitHubOrganization
  url: https://github.com/FundingCircle
- type: Authentication
  url: authentication/funding-circle-authentication.yml
- type: ErrorCatalog
  url: errors/funding-circle-problem-types.yml
- type: Conventions
  url: conventions/funding-circle-conventions.yml
- type: Sandbox
  url: sandbox/funding-circle-sandbox.yml
- type: Lifecycle
  url: lifecycle/funding-circle-lifecycle.yml
- type: Webhooks
  url: asyncapi/funding-circle-webhooks.yml
- type: MCPServer
  url: mcp/funding-circle-mcp.yml
- type: Conformance
  url: conformance/funding-circle-conformance.yml
- type: DataModel
  url: data-model/funding-circle-data-model.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/funding-circle-llms.txt
- type: Overlay
  url: overlays/funding-circle-introducer-overlay.yaml
- type: DomainSecurity
  url: security/funding-circle-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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Funding Circle

Kin Score

APIs 3

Funding Circle Decisions API

Funding Circle Documents API

Funding Circle Loan Applications API

Open Collections 4

API Collection

Funding Circle Introducer Decisions API

Funding Circle Introducer Decisions Documents API

Funding Circle Introducer Decisions Loan Applications API