Samir Desai, a co-founder, dismisses the argument that lending to small firms requires bankers to make personal credit assessments: “SMEs want low costs, a quick process and a transparent fee structure, not a relationship.”

Funding Circle公司的联合创始人Samir Desai不认为向小企业融资需要银行家去做个人的信用评估，他认为：“中小企业希望获得的是低成本、快捷、费用结构透明的融资渠道，而不是一种需要经常维系的关系”。