Funding Circle shares rise on PS700 million deal with Citi backing

Funding Circle Holdings PLC on Thursday reported a new deal backed by Citigroup Inc worth approximately £700 million.

Shares in the London-based lending platform, which focuses on small to mid-sized businesses, were up 3.1% to 152.00 pence late Thursday morning. The stock is up 42% in the past year.

Funding Circle’s latest deal sees New York-based Waterfall Asset Management LLC providing a two-year forward flow commitment of £700 million, with senior financing from Citi. Waterfall also will buy an existing loan portfolio worth £120 million from Funding Circle.

These two elements ‘bring direct funding to Funding Circle’s shorter term loan product,’ the company explained.

‘This transition from balance sheet to institutional funding aligns with Funding Circle’s strategy to test and iterate new propositions on balance sheet, before scaling them with partners once the R&D phase is complete,’ Funding Circle continued.

The deal builds on an existing relationship with Waterfall, dating back to 2018. In 2025, the asset manager’s lending via Funding Circle totalled more than £3 billion, the platform operator said.

‘Waterfall has been a consistent supporter of our platform, and this transaction with Citibank is a result of our shared commitment to finding innovative ways to optimise credit,’ commented Funding Circle Chief Executive Dipesh Mehta.

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