1. Francisco Sierra Country Manager Spain francisco.sierra@fundingcircle.com 16 March 2016 eFintechShow

2. Funding Circle ─ Global Leading Marketplace for SME Lending The Netherlands Germany Spain United Kingdom United States of America United States of America 2

3. $2bn + lending to thousands of UK, US and European small businesses since 2010 66% market share of peer to peer UK SME lending C.600 employees $273m in cumulative equity investment. Equity investors include: Lenders include: –UK Government Business Finance Partnership (since 2013) –British Business Bank (since 2014) –European Investment Bank (expected 2016) Funding Circle ─ Global Leading Marketplace for SME Lending Source: Funding Circle 3

4. Funding Circle ─ Global Leading Marketplace for SME Lending Source: Funding Circle 4 FC Quarterly New Lending (£m) 4

5. In the UK, FC Fills Part of the Lending Gap for SMEs Left by the Traditional Banks 5 ¹ Q3 2015, includes all participants of the Funding for Lending scheme (does not include HSBC & Barclays) Funding Circle is the third highest net lender to SMEs in the UK vs. Reporting UK Banks & Building Societies¹ Q3 2015 Net Lending to SMEs Source: Bank of England - Funding for Lending Scheme Extension - Usage and lending data

6. Business Loan Servicing fee on total loans o/s Borrower origination fee LENDERSBORROWERS Interest and Principal Marketplace Lending connects Lenders and Borrowers 6

7. On a global scale, 50-60% of SMEs are under-served or unserved Source: IFC/World Bank SME database 2011 Total number of unserved or under-served SMEs: 200 – 250 million (50-60%) 29 - 35% Latin America 20–25m SMEs 38 - 47% Sub-Saharan Africa 25-30m SMEs Central Asia and Eastern Europe 9 - 11m SMEs 44 - 54% 41 - 50% Middle East and North Africa 9-11m SMEs East Asia 100-125m SMEs 55 - 67% South Asia 34-41m SMEs 44 - 53% < 40 40 - 59 60 - 89 > 90 61 - 75% High–income OECD 3-4m SMEs 7

8. Advantages of Marketplace Lending for borrowers 8 Easy Fast Transparent  Online 24/7  Loan application in <15 min  Answer in <48h  One product, one commission Eva Hernández Papisandkids family coaching center “Spanish SMEs need flexibility and Funding Circle offers a great alternative way of financing ”

9. New investment opportunities for a diversified lender base Partial loan marketplace Government, Retail Investors and HNWI Institutional Investors and Supranational Institutions Whole loan marketplace 9

10. New investment opportunities for a diversified lender base Partial loan marketplace Government, Retail Investors and HNWI Listed Shares Institutional Investors and Supranational Institutions Whole loan marketplaceSME Income Fund 10 ₤150m Listed on London Stock Exchange Exclusive focus on small business loans Access to global investing

11. What happens when a bank denies a loan? 11 Bank Loan denied Borrower survives unfunded Client satisfaction drops Borrower goes to another bank Bank loses client Borrower goes bankrupt Bank has a problem

12. What happens when a bank denies a loan? 12 Bank Loan denied Great client experience Increase client retention Healthier clients $ Borrower survives unfunded Client satisfaction drops Borrower goes to another bank Bank loses client Borrower goes bankrupt Bank has a problem

13. Banks are finding many ways to benefit from ML platforms 13 BANK Bank clients ML clients Combined Bank+ML funded loan ML funded loan Bank funded loan Other bank products

14. Some Bank and ML platform agreements 14

15. How does the “future of lending” look like? 1.Borrowers will have access to easy, fast and transparent funding 2.Investors will have access to democratic and global investment opportunities and will obtain stable predictable returns 1.Banks will find partners to build a better financial world Recap 15

16. Thank you! Request your business loan at: www.fundingcircle.com