Lovey integrates Funding Circle’s API to increase customer efficiency
Lovey (formerly Love Finance), one of the UK’s fastest-growing SME lender and broker, has today announced its integration with Funding Circle, the UK’s leading SME finance platform, to create significantly faster application journeys for customers. Funding Circle’s API will be integrated directly into Lovey’s platform to create a more seamless experience and reduce friction through direct API connectivity.
Small businesses drive Britain forward. They underpin our economy and their ability to drive UK growth is dependent on their access to capital. As traditional high-street banks continue to restrict access to capital, a widening ‘SME finance gap’ threatens to stifle the UK’s economic recovery. According to Lovey’s 2026 SME Finance Outlook, 81% of SMEs missed growth opportunities in 2025 due to a lack of access to finance, while 71% expect to seek external funding in 2026. Faster, more reliable decisioning is becoming essential for businesses looking to act on opportunities in real time.
New research published by Oxford Economics and Funding Circle reveals that fintechs and alternative lenders are stepping into this void with record-breaking impact. In 2025, Funding Circle’s £3bn of active loans under management generated a massive £7.9bn contribution to the UK economy. Beyond GDP, the economic activity unlocked by Funding Circle sustained 117,000 jobs across the country and generated £2.2bn in tax revenues for the UK Exchequer – equivalent to the annual salaries of roughly 58,000 nurses.
Funding Circle’s API is a great foundation to Lovey’s lending ecosystem and reflects the quality bar that is set for external integrations. Lovey will now be connected to the leading SME finance platform in the market, helping to deliver a smoother, more reliable journey from application through to lender engagement.
In practice, the API will ensure eligible SME cases are moved forward quickly and consistently, reducing manual handoffs and creating a more seamless experience for both customers and internal teams. Its maturity, reliability, and partner-ready design make it an ideal integration for scaling modern SME lending operations, while also creating space for continued innovation in how we design and deliver funding journeys.
Alex O’Malley, chief commercial officer, at Lovey comments: “This partnership with Funding Circle reinforces a shared mission: using technology and innovation to improve speed, increase scale, and deliver better outcomes for SMEs by helping more businesses access funding with less friction and greater confidence.”
Rachael Raymond, head of broker at Funding Circle said: “We are thrilled to launch this API partnership with Lovey and to further support their impressive growth journey. For Funding Circle, our strategic focus is firmly rooted in leveraging technology and automation to streamline lending and deliver a superior experience for our brokers and borrowers. This integration perfectly exemplifies that focus, allowing us to double down on our core mission of helping UK businesses access the funding they need to win.”
This announcement follows on from Lovey’s iwoca API integration making the company one of the few brokers with both Funding Circle and iwoca API integrations. The combination of these API’s highlights Lovey’s mission to make lending fast and simple to improve the SME experience.
Lovey (formerly Love Finance), one of the UK’s fastest-growing SME lender and broker, has today announced its integration with Funding Circle, the UK’s leading SME finance platform, to create significantly faster application journeys for customers. Funding Circle’s API will be integrated directly into Lovey’s platform to create a more seamless experience and reduce friction through direct API connectivity.
Small businesses drive Britain forward. They underpin our economy and their ability to drive UK growth is dependent on their access to capital. As traditional high-street banks continue to restrict access to capital, a widening ‘SME finance gap’ threatens to stifle the UK’s economic recovery. According to Lovey’s 2026 SME Finance Outlook, 81% of SMEs missed growth opportunities in 2025 due to a lack of access to finance, while 71% expect to seek external funding in 2026. Faster, more reliable decisioning is becoming essential for businesses looking to act on opportunities in real time.
New research published by Oxford Economics and Funding Circle reveals that fintechs and alternative lenders are stepping into this void with record-breaking impact. In 2025, Funding Circle’s £3bn of active loans under management generated a massive £7.9bn contribution to the UK economy. Beyond GDP, the economic activity unlocked by Funding Circle sustained 117,000 jobs across the country and generated £2.2bn in tax revenues for the UK Exchequer – equivalent to the annual salaries of roughly 58,000 nurses.
Funding Circle’s API is a great foundation to Lovey’s lending ecosystem and reflects the quality bar that is set for external integrations. Lovey will now be connected to the leading SME finance platform in the market, helping to deliver a smoother, more reliable journey from application through to lender engagement.
In practice, the API will ensure eligible SME cases are moved forward quickly and consistently, reducing manual handoffs and creating a more seamless experience for both customers and internal teams. Its maturity, reliability, and partner-ready design make it an ideal integration for scaling modern SME lending operations, while also creating space for continued innovation in how we design and deliver funding journeys.
Alex O’Malley, chief commercial officer, at Lovey comments: “This partnership with Funding Circle reinforces a shared mission: using technology and innovation to improve speed, increase scale, and deliver better outcomes for SMEs by helping more businesses access funding with less friction and greater confidence.”
Rachael Raymond, head of broker at Funding Circle said: “We are thrilled to launch this API partnership with Lovey and to further support their impressive growth journey. For Funding Circle, our strategic focus is firmly rooted in leveraging technology and automation to streamline lending and deliver a superior experience for our brokers and borrowers. This integration perfectly exemplifies that focus, allowing us to double down on our core mission of helping UK businesses access the funding they need to win.”
This announcement follows on from Lovey’s iwoca API integration making the company one of the few brokers with both Funding Circle and iwoca API integrations. The combination of these API’s highlights Lovey’s mission to make lending fast and simple to improve the SME experience.