Funding Circle vs Just Cashflow: Which UK Business Loan Provider in 2026?
Funding Circle edges this matchup in our 2026 UK review, scoring 4.3 of 5 against Just Cashflow on 0.0. Funding Circle runs a term loan at 6.9% to 26.9% APR with decisions in 1 to 3 business days; Just Cashflow runs a revolving credit / cashflow facility at 0.5% to 2.5% per month on drawn balance. That said, the headline rating is not the whole answer: Just Cashflow beats Funding Circle for reference / historical context only. Read the side-by-side, then jump to the "when X wins" sections for the buyer-fit logic.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
Side-by-side
| Funding Circle | Just Cashflow | |
|---|---|---|
| Product type | Term loan | Revolving credit / cashflow facility |
| Founded | 2010 | 2014 |
| Ticket range | £10k to £500k | £10k to £500k |
| Typical rate | 6.9% to 26.9% APR | 0.5% to 2.5% per month on drawn balance |
| Decision time | 1 to 3 business days | 24 to 72 hours |
| Soft search at quote | Yes | Yes |
| Limited companies only | No | Yes |
| FCA regulated | Yes | Yes |
| Companies House | 07123069 | 08508165 |
| Best for | Established Ltd companies; Working capital £25k-£250k; Borrowers wanting decision speed | Reference / historical context only |
| Overall rating | 4.3 / 5 | 0.0 / 5 |
| Trustpilot | 4.6/5 (38,000 reviews) | 4.3/5 (700 reviews) |
| Last reviewed | 2026-04-26 | 2026-05-08 |
When Funding Circle wins
- Soft-search application; no credit-file footprint at quote stage.
- Eligibility criteria published up front, not hidden behind a quote.
- Decisions in 1-3 days; fast even by UK SME standards.
- Established brand, FCA regulated, public market-listed.
Best for
Established Ltd companies, Working capital £25k-£250k, Borrowers wanting decision speed.
Watch outs
- Headline rate (6.9%) only available to top-tier applicants; typical offer is higher.
- Personal guarantee almost always required for limited-company borrowers.
- Less competitive on the £100k+ ticket band than specialist lenders.
When Just Cashflow wins
- Historical product fit: revolving facility with interest only on drawn balance.
- Mid-ticket coverage (£10k to £500k) at the time of trading.
Best for
Reference / historical context only.
Watch outs
- In administration, no new lending.
- Existing borrowers should contact the administrators (FRP Advisory) for facility status.
- Not a current option for any UK SMB.
FAQ
Funding Circle or Just Cashflow: which is the better UK business loan in 2026?
Funding Circle scores higher overall in our 2026 review at 4.3 of 5 versus 0.0 for Just Cashflow. That said, the right answer depends on what you trade and what you need. Funding Circle is the stronger pick for established ltd companies, while Just Cashflow is the stronger pick for reference / historical context only. If your business sits inside one of those use cases, ignore the headline rating and pick for fit.
What rates and ticket bands do Funding Circle and Just Cashflow offer?
Funding Circle runs a term loan with tickets of £10k to £500k at 6.9% to 26.9% APR. Just Cashflow runs a revolving credit / cashflow facility with tickets of £10k to £500k at 0.5% to 2.5% per month on drawn balance. Decision time on Funding Circle is 1 to 3 business days; on Just Cashflow it is 24 to 72 hours. Headline rates rarely match the offered rate, so verify on the lender site before committing, and assume bespoke pricing above £100k where the data allows it.
Eligibility: Funding Circle vs Just Cashflow, who qualifies?
Funding Circle is soft-search at quote stage (no credit-file footprint) and accepts sole traders and partnerships as well as Ltd companies. Just Cashflow is soft-search at quote and lends only to UK limited companies. Funding Circle is FCA regulated; Just Cashflow is FCA regulated.
Which is the wrong answer for what?
Funding Circle is the wrong answer for sub-2-year trading. Just Cashflow is the wrong answer for any new business loan need (in administration). If either of those describes your business, look at the side-by-side table for the alternative, or get a quote from our UK lender panel and we will surface the right shortlist.
Can BestBusinessLoans help me choose between Funding Circle and Just Cashflow?
Yes. Our reviews are editorial; we run a UK lender panel via our /get-quotes/ form that includes both. Tell us monthly turnover, sector and what you need the money for. We match you against the lenders most likely to approve and beat your current cost, then route the application without affecting your credit file at quote stage.
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Get quotes →Reviewed by Oliver Mackman, Director. Last reviewed: 2026-05-08. Editorial by Best Business Loans Ltd (16833937).