Lovey integrates Funding Circle API to accelerate SME lending decisions

Lovey has integrated Funding Circle’s lending API into its platform, in a move aimed at reducing friction in SME finance and accelerating the journey from application to funding.

The integration enables eligible SME applications to be processed and routed more efficiently through direct API connectivity, cutting out manual steps that have traditionally slowed broker-led lending processes. The development comes as demand for faster decision-making intensifies, with many SMEs needing near-instant access to capital to respond to market opportunities.

According to Lovey, the move is designed to create a more consistent and scalable lending experience, particularly as alternative lenders continue to step in where traditional banks have pulled back.

“This partnership reinforces a shared mission of improving speed and delivering better outcomes for SMEs,” said Alex O’Malley, Chief Commercial Officer at Lovey.

Funding Circle added that the integration reflects its broader strategy to embed lending capabilities directly into partner ecosystems.

For the market, the development highlights the continued shift toward embedded finance and API-driven lending infrastructure, as platforms compete on speed, efficiency and user experience in SME finance.