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Girl in a Forest

You deserve better.

Small Business Borrowers’ Bill of Rights

At Funding Circle, we believe small businesses deserve better. They are the growth engine of our economy and deserve access to fast and affordable financing. This is why we built Funding Circle—to provide small business owners with an efficient and transparent way to fulfill their growing capital needs, and to understand the total cost of their loan.

Our mission is to build a better financial world, and we are proud to partner with industry leaders to set the first-ever gold standard for responsible business lending. Together, we believe small businesses have:

The right to transparent pricing and terms

You have a right to see the cost and terms of any financing you are offered in writing and in a form that is clear, complete, and easy to compare with other options, so that you can make the best decision for your business.

The right to non-abusive products

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You have a right to loan products that will not trap you in expensive cycles of re-borrowing. Lenders’ profitability should come from your success, not from your failure to repay the loan according to its original terms.

The right to responsible underwriting

You have a right to work with lenders who will set you up for success, not failure. High loss rates should not be accepted by lenders simply as a cost of business to be passed on to you in the form of high rates or fees.

The right to inclusive credit access

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You have a right to fair and equal treatment when seeking a loan.

The right to fair collection practices

If you are unable to repay a loan, you have a right to be treated fairly and respectfully throughout the collections process. Collections on defaulted loans should not be used by lenders as a primary source of repayment.

*Terms used such as “lending,” “loan,” “borrower,” are intended to be interpreted broadly and apply equally to financing products not legally structured as loans, such as cash advances. “Lender” is used to include cash advance providers as well as online credit marketplaces that facilitate financing on behalf of lenders.

We invite the entire small business financing industry to join us in upholding these rights.
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