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 API contracts indexed 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 📡 Profile data on GitHub

31.9/100 thin ▬ flat Agent 28/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

AccessSelf serve

1 published contract 1 Agent Skills

Company Consumer Lending Small Business Fintech Loans Financial Services Payments

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 31.9/100 · thin

Contract Quality 4.6 / 21

Developer Ergonomics 8.8 / 17

Access Clarity 5.8 / 17

Operational Transparency 1.5 / 11

Contract Governance 0.5 / 10

Discoverability 5.6 / 9

Regulatory Posture 3.3 / 15

Agent readiness — 28/100 · 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 Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 21.6 — up to +19.6 composite points
Access Clarity scores 34.2 — up to +13.2 composite points
Contract Governance scores 4.5 — up to +11.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/funding-circle/apis.yml: open an issue on github.com/api-evangelist/funding-circle to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	standard	17.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

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

Open Collections 3

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Funding Circle Introducer Decisions API

OPEN COLLECTION

Funding Circle Introducer Decisions Documents API

OPEN COLLECTION

Funding Circle Introducer Decisions Loan Applications API

OPEN COLLECTION

Agent Skills 1

Packaged agent skills for driving this provider's APIs from an AI assistant.

Submit and track a Funding Circle loan application

AGENT SKILL

Event Specifications 1

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

Funding Circle Webhooks

ASYNCAPI

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Funding Circle Introducer Overlay

2 actions · update · funding-circle-introducer-openapi.yml

DERIVED

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

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

X-MCPServerCandidate

X-MCPServerCandidate

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
- Financial-Services
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: X-MCPServerCandidate
  url: mcp/funding-circle-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- 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

Funding Circle API — frequently asked questions

Does Funding Circle have an API?

Yes. APIs.io lists 3 APIs from Funding Circle, including Funding Circle Decisions API, Funding Circle Documents API and Funding Circle Loan Applications API.

Is there an OpenAPI specification for the Funding Circle API?

Yes. APIs.io indexes 3 OpenAPI specifications for Funding Circle, each linked for download from this page.

How do I authenticate with the Funding Circle API?

Funding Circle documents its authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Funding Circle Authentication.

Is the Funding Circle API ready for AI agents?

Funding Circle has a Kin Score of 31.9 out of 100 (thin) and an Agent Readiness score of 28.0 (agent-aware), scored by API Evangelist on 2026-10-31.

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