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The normal RoI can be as high as 8% which is similar to many Hedge Funds. The way they handle defaults is a lot better than many banks. When a lender defaults, Funding Circle will ease back on the payments allowing the company to recover. Often the business is able to return nearly all of the capital.
Funding Circle is brilliant for investors looking for a better return than many bank could give them in the last ten years. Funding Circle was the 1st website to allow peer-to-peer lending for businesses in Britain and now operates in the UK, US, Germany and the Netherlands. Funding Circle has facilitated over £5 billion in loans to SMEs as at June 2018.
Funding Circle has been around since 2010 and is a lending marketplace that allows investors to lend funds directly to small and medium-sized companies. Funding Circle was founded in 2010 by James Meekings, Samir Desai and Andrew Mullinger.