# Funding Circle

**Canonical:** https://apis.io/providers/funding-circle/  
**Website:** http://www.fundingcircle.com  
**APIs profiled:** 1

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.

## Kin Score — 31.8 / 100 (thin)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (-0.6 from 32.4).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 21.9 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 51.8 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Payments**: 39.1 (matched via tags).

## Agent readiness — 26.4 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | negotiable |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (3)

- **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)

- **Funding Circle MCP Server**

## Security (2)

- **Funding Circle Authentication** — oauth2 · 1 scheme
- **Funding Circle Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Consumer, Lending, Small Business, Fintech, Loans, Financial-Services, Payments

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/funding-circle/). Scores are computed from the provider's own public artifacts under a published rubric.