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 1 API on the APIs.io network: Introducer 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
44.5/100 thin Agent 57/100 agent ready Full breakdown ↓
scored 2026-07-20 · rubric v0.4
1 APIs 1 MCP Servers 0 Features
CompanyConsumerLendingSmall BusinessFintechLoansFinancial ServicesPayments

API Rating

API Evangelist API Evangelist Rating How this is scored →
scored 2026-07-20 · rubric v0.4
Composite quality — 44.5/100 · thin
Contract Quality 15.1 / 25
Developer Ergonomics 12.2 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 1.7 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Agent readiness — 57/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 15
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
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

Funding Circle Introducer API

Submit and manage UK small-business loan applications programmatically — term and FlexiPay loans, status polling, credit decisions, and document upload. OAuth 2.0 client-credent...

MCP Servers

funding-circle-mcp.yml

MCP SERVER

Event Specifications

Funding Circle Webhooks

ASYNCAPI

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
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:
- name: Funding Circle Introducer API
  description: Submit and manage UK small-business loan applications programmatically — term and FlexiPay loans, status polling,
    credit decisions, and document upload. OAuth 2.0 client-credentials; RFC 7807 errors; callback-URL webhooks.
  humanURL: https://www.fundingcircle.com/uk/partners/developer/api-doc/
  baseURL: https://api.fundingcircle.co.uk/v1
  tags:
  - Lending
  - Loans
  - Small Business
  properties:
  - type: OpenAPI
    url: openapi/funding-circle-introducer-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