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
45.7/100 developing ▬ flat Agent 38/100 agent ready Full breakdown ↓
scored 2026-08-10 · rubric v0.9.1
AccessSelf serve
3 APIs 1 MCP Servers
CompanyConsumerLendingSmall BusinessFintechLoansFinancial ServicesPayments

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-10 · rubric v0.9.1
Composite quality — 45.7/100 · developing
Contract Quality 17.8 / 25
Developer Ergonomics 9.9 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 1.7 / 13
Governance 1.4 / 12
Discoverability 9.3 / 10
Agent readiness — 38/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
MCP Server 12 / 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
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.

Funding Circle Decisions API

Retrieve credit decisions

Funding Circle Documents API

Upload supporting documents

Funding Circle Loan Applications API

Create and manage business loan applications

MCP Servers 1

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

funding-circle-mcp.yml

MCP SERVER

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Funding Circle Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Funding Circle Authentication

oauth2 · 1 scheme

SECURITY

Funding Circle Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 Login
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
ErrorCatalog
 Conventions
Conventions
 Lifecycle
Lifecycle
 Webhooks
Webhooks
 Conformance
Conformance
 DataModel
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)

apis.yml Raw ↑ 
aid: funding-circle
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: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- 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