Funding Circle Upsizes FlexiPay Funding Facility to £320m for Two Years

Funding Circle Holdings ( (GB:FCH) ) has shared an announcement.

Funding Circle has renewed and upsized its long-standing funding facility for its FlexiPay business to £320 million, extending it over a two-year term to underpin the expansion of its capital-light, multi-product SME finance offering. Continued institutional backing highlights confidence in the company’s AI-driven credit technology, as the enlarged facility and recent product enhancements, including integrations and digital wallet support, position FlexiPay for further growth following a 66% rise in 2025 transactions to £815 million.

The most recent analyst rating on (GB:FCH) stock is a Buy with a £300.00 price target. To see the full list of analyst forecasts on Funding Circle Holdings stock, see the GB:FCH Stock Forecast page.

Spark’s Take on FCH Stock

According to Spark, TipRanks’ AI Analyst, FCH is a Neutral.

The score is driven primarily by mixed financials: a strong 2025 rebound in revenue and profitability is outweighed by continued cash burn and a sharp rise in leverage. Technically, the stock shows weak momentum (below key moving averages with negative MACD), while valuation is a relative positive with a low P/E.

To see Spark’s full report on FCH stock, click here.

More about Funding Circle Holdings

Funding Circle Holdings is a UK-based small and medium-sized enterprise finance platform that uses proprietary, AI-powered credit models to provide lending and payment solutions. Its multi-product offering includes FlexiPay, a flexible payment product, and a cashback credit card aimed at improving access to fast, data-driven finance for UK small businesses.

Average Trading Volume: 1,421,737

Technical Sentiment Signal: Buy

Current Market Cap: £405.6M

Learn more about FCH stock on TipRanks’ Stock Analysis page.