Funding Circle only offers financing to established businesses with good to excellent credit, but they do not have a revenue requirement. Small businesses need a minimum of two years in business to qualify. Funding Circle does not provide funding to startups or younger businesses. At least one business owner must have a personal credit score of 660 or better. In addition, no business owners or shareholders can have a bankruptcy on their credit report in the previous seven years. Funding Circle doesn’t offer unsecured loans. To secure funding, small business owners must provide a personal guarantee and a business lien. The business lien allows Funding Circle to collect business assets if the borrower defaults on the loan. You’ll often need to agree to a UCC blanket lien. In this type of collateral, the lender can come after any business asset if the borrower defaults. The only exclusion is that they can’t go after any real estate the business owns.