December 2013

2 The Problem: Small businesses struggle to get the loans they need to expand; they are poorly served by existing bank and specialty finance solutions. The Solution: Funding Circle USA provides a marketplace for small business loans. We originate and evaluate small business borrowers to match them with accredited investors in a private marketplace. vs.

3  Founded by small business owners for small business owners…  We know what it takes to fund and run a small business  Technology-enabled platform that provides a superior user experience for borrowers and lenders alike  Web-based and intuitive for the modern small business owner  Proven business model that is very well capitalized  We will continue to invest and innovate in our firm and products

Month Term 10.99% Interest Rate, 14.99% Effective Rate Effective Rate includes a 2.99% Origination Fee & a 1.30% Servicing Fee Loan sizes ranging from from $25,000 to $500,000 No prepayment penalty if principle amount is paid in full Simple, transparent, and with no hidden fees New products coming soon… Single Product

5 How FC USA stacks up against the competition Funding Circle USA Banks & SBA Loans Alternative Finance Specialty Lenders Coupon Rate10.99%6%-8%>50% and opaque30% to 60% Fees % origination 1.30% servicing 2-5% (application fee, closing fee, packaging fee…) Very high Effective Rate14.99%8%-13%50% - 250%Over 30% Process and Documentation <14 business days Banks: days SBA: 4-6 months VariesLengthy Likelihood of Approval >35%If eligible, <10%VariesLess than 25% Loan Size$25K - $500K Uninterested in loans less than $1M Less than $50KVaries 1 Unlike FC USA, many lenders and banks include high hidden fees in the cost of their loans, increasing borrower payments..

6 FC USA’s product is far more attractive to a borrower than other options We have lost only one fully approved customer to another source! Lower Rates Longer Terms Easy and 1-2 Weeks Unlikely and 3-6 Months Painful and 6-12 Weeks Higher Rates Shorter Terms Specialty Finance Banks

7  We pay our Broker Affiliate Partners a 1.00% Referral Fee when a loan is funded  Comes out of our Origination Fee  Paid when the loan is funded  What is required to become a Broker Affiliate Partner?  Complete, sign, and return our Broker Agreement & W-9  After the execution of those documents, FC USA will create you a customized Broker Portal  Allows you to input and submit apps  What’s down the road?  Broker Tiers – higher commissions to our most valued partners  Broker Portal enhancements – intuitive technology features

8 Loan Calculator 30 Seconds Pre- Qualification (Self Reported) 60 Seconds Submitted Application (Self Reported) 10 Minutes Pre-Approval 48 Hours2 – 3 Days 2 Weeks Credit Committee 1 Week Automated eligibility screen + simple applicationDocument collection + human element Online ApplicationCredit Review Loan amount Monthly payment Fees Total cost Income Net worth Credit score Guarantors Use of funds Franchise status # of locations Personal assets Personal debts Business assets Business debts Cash balances Real estate Personal income Business income Education level Legal actions Initial contact with pre- underwriter Personal background Use of funds confirmation Further clarifications, if needed Underwriter call Business tax returns Personal tax returns Business bank statements Personal asset verification Senior credit officer and advisor review Analysis of loan file and FC USA credit scorecard Final approval Conditional Approval Verification

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11 Simple, Online Application Support for Those Who Want It Transparent Pricing & Fees Quick Turnaround Broker Portals for Specific Tracking

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14  Send an to or call to request more  Complete and sign our Broker Agreement and W-9  Scan and return via attachment to  Receive your Broker Portal login and password  Get an application started and submitted to FC USA!  We look forward to working with you as a partner now…and well into the future…

15 Funding Circle USA 1 UNION STREET, SUITE 210 SAN FRANCISCO, CA BROADWAY, FLOOR 12 NEW YORK, NY Brad Heritage Director, Business Development (o) (m) Mike Rabil Director, Partnerships (o) (m)

16 This Overview provides general and preliminary information about Funding Circle USA’s (FC USA) planned commercial lending platform and is intended for initial reference purposes only. It is not a summary or a compilation of all applicable information and is not complete. This document does not constitute an offer to sell or the solicitation of an offer to buy securities by FC USA. There shall be no offer or sale of any securities by FC USA without the delivery of a private placement memorandum (“Memorandum”) and related documents. The information contained herein is qualified by and subject to more detailed information in the Memorandum, including the risk factors applicable to an investment in FC USA or the loan pools. The materials and information contained and described herein are proprietary of FC USA and may not be reproduced or distributed in any fashion without FC USA’s written consent.