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Founding</span> </div> </a> <ul id="toc-2010–13;_Founding-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-2013–15;_Expansion_through_merging_&_acquisition" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#2013–15;_Expansion_through_merging_&_acquisition"> <div class="vector-toc-text"> <span class="vector-toc-numb">1.2</span> <span>2013–15; Expansion through merging & acquisition</span> </div> </a> <ul id="toc-2013–15;_Expansion_through_merging_&_acquisition-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-2018;_Initial_public_offering" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#2018;_Initial_public_offering"> <div class="vector-toc-text"> <span class="vector-toc-numb">1.3</span> <span>2018; Initial public offering</span> </div> </a> <ul id="toc-2018;_Initial_public_offering-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-2019–present;_Since_becoming_a_public_company" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#2019–present;_Since_becoming_a_public_company"> <div class="vector-toc-text"> <span class="vector-toc-numb">1.4</span> <span>2019–present; 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class="infobox ib-company vcard"><caption class="infobox-title fn org">Funding Circle Limited</caption><tbody><tr><td colspan="2" class="infobox-image ib-company-logo logo"><span class="mw-default-size" typeof="mw:File/Frameless"><a href="/wiki/File:Funding_Circle_logo_2017.png" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/en/thumb/8/88/Funding_Circle_logo_2017.png/220px-Funding_Circle_logo_2017.png" decoding="async" width="220" height="73" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/8/88/Funding_Circle_logo_2017.png/330px-Funding_Circle_logo_2017.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/8/88/Funding_Circle_logo_2017.png/440px-Funding_Circle_logo_2017.png 2x" data-file-width="547" data-file-height="182" /></a></span></td></tr><tr><th scope="row" class="infobox-label">Company type</th><td class="infobox-data category"><a href="/wiki/Public_company" title="Public company">Public</a></td></tr><tr><th scope="row" class="infobox-label"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;"><a href="/wiki/Ticker_symbol" title="Ticker symbol">Traded as</a></div></th><td class="infobox-data"><a href="/wiki/London_Stock_Exchange" title="London Stock Exchange">LSE</a>: <a rel="nofollow" class="external text" href="https://www.londonstockexchange.com/stock/FCH//">FCH</a></td></tr><tr><th scope="row" class="infobox-label">Industry</th><td class="infobox-data category"><a href="/wiki/Financial_technology" class="mw-redirect" title="Financial technology">Financial technology</a></td></tr><tr><th scope="row" class="infobox-label">Founded</th><td class="infobox-data">August 2010<span class="noprint">; 14 years ago</span><span style="display:none"> (<span class="bday dtstart published updated">2010-08</span>)</span><sup id="cite_ref-Reuters2012December12_1-0" class="reference"><a href="#cite_note-Reuters2012December12-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup></td></tr><tr><th scope="row" class="infobox-label">Founder</th><td class="infobox-data agent">Samir Desai, <a href="/wiki/CEO" class="mw-redirect" title="CEO">CEO</a><sup id="cite_ref-Reuters2012December12MacLellanKylie_2-0" class="reference"><a href="#cite_note-Reuters2012December12MacLellanKylie-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup><br />James Meekings<br />Andrew Mullinger</td></tr><tr><th scope="row" class="infobox-label">Headquarters</th><td class="infobox-data label"><a href="/wiki/Queen_Victoria_Street,_London" title="Queen Victoria Street, London">Queen Victoria Street, London</a>, <a href="/wiki/EC_postcode_area" title="EC postcode area">EC4</a></td></tr><tr><th scope="row" class="infobox-label"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;">Area served</div></th><td class="infobox-data">UK, United States, Germany, Netherlands</td></tr><tr><th scope="row" class="infobox-label"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;">Key people</div></th><td class="infobox-data agent">Andrew Learoyd, <a href="/wiki/Chairman" class="mw-redirect" title="Chairman">Chairman</a><br />Lisa Jacobs (<a href="/wiki/CEO" class="mw-redirect" title="CEO">CEO</a>)<sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup></td></tr><tr><th scope="row" class="infobox-label">Products</th><td class="infobox-data"><a href="/wiki/Business_loan" title="Business loan">Business loan</a><br /><a href="/wiki/Commercial_and_industrial_loan" title="Commercial and industrial loan">Commercial and industrial loan</a></td></tr><tr><th scope="row" class="infobox-label">Revenue</th><td class="infobox-data"><span typeof="mw:File"><span title="Increase"><img alt="Increase" src="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/11px-Increase2.svg.png" decoding="async" width="11" height="11" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/17px-Increase2.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/22px-Increase2.svg.png 2x" data-file-width="300" data-file-height="300" /></span></span> <a href="/wiki/Pound_sterling" title="Pound sterling">£</a>154.8 million (2023)<sup id="cite_ref-results_4-0" class="reference"><a href="#cite_note-results-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup></td></tr><tr><th scope="row" class="infobox-label"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;"><a href="/wiki/Earnings_before_interest_and_taxes" title="Earnings before interest and taxes">Operating income</a></div></th><td class="infobox-data"><span typeof="mw:File"><span title="Decrease"><img alt="Decrease" src="//upload.wikimedia.org/wikipedia/commons/thumb/e/ed/Decrease2.svg/11px-Decrease2.svg.png" decoding="async" width="11" height="11" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/e/ed/Decrease2.svg/17px-Decrease2.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/e/ed/Decrease2.svg/22px-Decrease2.svg.png 2x" data-file-width="300" data-file-height="300" /></span></span> <a href="/wiki/Pound_sterling" title="Pound sterling">£</a>(33.2) million (2023)<sup id="cite_ref-results_4-1" class="reference"><a href="#cite_note-results-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup></td></tr><tr><th scope="row" class="infobox-label"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;"><a href="/wiki/Net_income" title="Net income">Net income</a></div></th><td class="infobox-data"><span typeof="mw:File"><span title="Decrease"><img alt="Decrease" src="//upload.wikimedia.org/wikipedia/commons/thumb/e/ed/Decrease2.svg/11px-Decrease2.svg.png" decoding="async" width="11" height="11" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/e/ed/Decrease2.svg/17px-Decrease2.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/e/ed/Decrease2.svg/22px-Decrease2.svg.png 2x" data-file-width="300" data-file-height="300" /></span></span> <a href="/wiki/Pound_sterling" title="Pound sterling">£</a>(38.3) million (2023)<sup id="cite_ref-results_4-2" class="reference"><a href="#cite_note-results-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup></td></tr><tr><th scope="row" class="infobox-label">Website</th><td class="infobox-data"><span class="url"><a rel="nofollow" class="external text" href="https://www.fundingcircle.com/">www<wbr />.fundingcircle<wbr />.com</a></span></td></tr></tbody></table> <p><b>Funding Circle</b> is a commercial lender. Originally it was a <a href="/wiki/Peer-to-peer_lending" title="Peer-to-peer lending">peer-to-peer lending</a> marketplace that allowed the public to lend money directly to small and medium-sized businesses. Through this exchange businesses access lower costs of financing than they would get at a bank and the public are able to become lenders and in doing so make a return on their capital.<sup id="cite_ref-Reuters2012February21MacLellanKylie_5-0" class="reference"><a href="#cite_note-Reuters2012February21MacLellanKylie-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> It closed its lending option to "retail investors" between 2020 and 2022, and then announced, in March 2022, that it had made the closure permanent.<sup id="cite_ref-Reuters2012February21MacLellanKylie_5-1" class="reference"><a href="#cite_note-Reuters2012February21MacLellanKylie-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-6" class="reference"><a href="#cite_note-6"><span class="cite-bracket">[</span>6<span class="cite-bracket">]</span></a></sup> </p><p>As of March 2022, Funding Circle had facilitated over £13.7 billion in loans to small and medium-sized firms.<sup id="cite_ref-Funding_Circle_7-0" class="reference"><a href="#cite_note-Funding_Circle-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup> The company is listed on the <a href="/wiki/London_Stock_Exchange" title="London Stock Exchange">London Stock Exchange</a>. </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="History">History</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Funding_Circle&action=edit&section=1" title="Edit section: History"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <div class="mw-heading mw-heading3"><h3 id="2010–13;_Founding"><span id="2010.E2.80.9313.3B_Founding"></span>2010–13; Founding</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Funding_Circle&action=edit&section=2" title="Edit section: 2010–13; Founding"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Samir Desai, James Meekings and Andrew Mullinger, friends from <a href="/wiki/University_of_Oxford" title="University of Oxford">University of Oxford</a>, first discussed the idea of a peer-to-peer lending marketplace in a <a href="/wiki/Pub" title="Pub">public house</a> in 2008.<sup id="cite_ref-BBC2018October22BearneSuzanne_8-0" class="reference"><a href="#cite_note-BBC2018October22BearneSuzanne-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup> This meeting occurred during the 2007-09 financial crisis, a period in Britain when the banks were cutting back on "lending to strengthen their balance sheets and meet regulatory demands".<sup id="cite_ref-Reuters2015October20ScuffhamMatt_9-0" class="reference"><a href="#cite_note-Reuters2015October20ScuffhamMatt-9"><span class="cite-bracket">[</span>9<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-Reuters2012March26EmmottRobin_10-0" class="reference"><a href="#cite_note-Reuters2012March26EmmottRobin-10"><span class="cite-bracket">[</span>10<span class="cite-bracket">]</span></a></sup> It was in this context that the peer-to-peer lending industry grew rapidly in Britain by providing a needed alternative source of capital.<sup id="cite_ref-Reuters2015October20ScuffhamMatt_9-1" class="reference"><a href="#cite_note-Reuters2015October20ScuffhamMatt-9"><span class="cite-bracket">[</span>9<span class="cite-bracket">]</span></a></sup> </p><p>In 2009 Desai, Meekings and Mullinger quit their jobs to co-found the company that would be launched in August 2010 under the name Funding Circle.<sup id="cite_ref-BBC2018October22BearneSuzanne_8-1" class="reference"><a href="#cite_note-BBC2018October22BearneSuzanne-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup> </p><p>In 2012 the British government used the platform to lend 20 million pounds ($32 million) to small businesses.<sup id="cite_ref-Reuters2012December12_1-1" class="reference"><a href="#cite_note-Reuters2012December12-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup> From launching in 2010 to October 2013 Funding Circle had facilitated £160 million of loans.<sup id="cite_ref-Reuters2013October23MacLellanKylie_11-0" class="reference"><a href="#cite_note-Reuters2013October23MacLellanKylie-11"><span class="cite-bracket">[</span>11<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="2013–15;_Expansion_through_merging_&_acquisition"><span id="2013.E2.80.9315.3B_Expansion_through_merging_.26_acquisition"></span>2013–15; Expansion through merging & acquisition</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Funding_Circle&action=edit&section=3" title="Edit section: 2013–15; Expansion through merging & acquisition"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In 2013 <a href="/wiki/Accel_Partners" class="mw-redirect" title="Accel Partners">Accel Partners</a> led the $37 million round of funding along with Ribbit Capital, <a href="/wiki/Union_Square_Ventures" title="Union Square Ventures">Union Square Ventures</a> and Index Ventures bringing the company's total funding to $58 million to fund Funding Circle US market entry.<sup id="cite_ref-Reuters2013October23MacLellanKylie_11-1" class="reference"><a href="#cite_note-Reuters2013October23MacLellanKylie-11"><span class="cite-bracket">[</span>11<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-12" class="reference"><a href="#cite_note-12"><span class="cite-bracket">[</span>12<span class="cite-bracket">]</span></a></sup> With the $37 million round recent capital raising in October 2013 Funding Circle merged with San Francisco-based Endurance Lending Network to gain access to the US market.<sup id="cite_ref-Reuters2013October23MacLellanKylie_11-2" class="reference"><a href="#cite_note-Reuters2013October23MacLellanKylie-11"><span class="cite-bracket">[</span>11<span class="cite-bracket">]</span></a></sup> As a US firm Endurance Lending Network is regulated on a state-by-state basis and as of 2013 was regulated in 31 states.<sup id="cite_ref-Reuters2013October23MacLellanKylie_11-3" class="reference"><a href="#cite_note-Reuters2013October23MacLellanKylie-11"><span class="cite-bracket">[</span>11<span class="cite-bracket">]</span></a></sup> The Endurance Lending Network changed its name to Funding Circle, and Reuters reported: "Unlike Funding Circle, Endurance Lending's site is only open to accredited and institutional investors, due to differences in regulation".<sup id="cite_ref-Reuters2013October23MacLellanKylie_11-4" class="reference"><a href="#cite_note-Reuters2013October23MacLellanKylie-11"><span class="cite-bracket">[</span>11<span class="cite-bracket">]</span></a></sup> </p><p>In October 2015 Funding Circle acquired <a href="/wiki/Zencap" title="Zencap">Zencap</a> to access markets in Germany, Spain and the Netherlands.<sup id="cite_ref-Reuters2015October20ScuffhamMatt_9-2" class="reference"><a href="#cite_note-Reuters2015October20ScuffhamMatt-9"><span class="cite-bracket">[</span>9<span class="cite-bracket">]</span></a></sup> In September 2018, global asset management firm Alcentra agreed to purchase up to $1 billion worth of business loans from the Funding Circle US platform, on behalf of its clients. The loans would be financed by Credit Suisse over a period of three years and were expected to be provided to around 8,000 U.S. businesses.<sup id="cite_ref-13" class="reference"><a href="#cite_note-13"><span class="cite-bracket">[</span>13<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="2018;_Initial_public_offering"><span id="2018.3B_Initial_public_offering"></span>2018; Initial public offering</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Funding_Circle&action=edit&section=4" title="Edit section: 2018; Initial public offering"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>The company was listed on the <a href="/wiki/London_Stock_Exchange" title="London Stock Exchange">London Stock Exchange</a> in September 2018 with an initial valuation of £1.5 billion.<sup id="cite_ref-14" class="reference"><a href="#cite_note-14"><span class="cite-bracket">[</span>14<span class="cite-bracket">]</span></a></sup> The company raised around £300 million in the <a href="/wiki/Initial_public_offering" title="Initial public offering">initial public offering</a> ('IPO'). The IPO accounted for 29.3% of the company shares.<sup id="cite_ref-15" class="reference"><a href="#cite_note-15"><span class="cite-bracket">[</span>15<span class="cite-bracket">]</span></a></sup> Danish billionaire and owner of Bestseller, Anders Povlsen anchored the float by agreeing to purchase a minimum of 10% of the shares.<sup id="cite_ref-16" class="reference"><a href="#cite_note-16"><span class="cite-bracket">[</span>16<span class="cite-bracket">]</span></a></sup> However, the shares fell 24% from the float price of 440p on the first day of trading.<sup id="cite_ref-17" class="reference"><a href="#cite_note-17"><span class="cite-bracket">[</span>17<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="2019–present;_Since_becoming_a_public_company"><span id="2019.E2.80.93present.3B_Since_becoming_a_public_company"></span>2019–present; Since becoming a public company</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Funding_Circle&action=edit&section=5" title="Edit section: 2019–present; Since becoming a public company"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Funding Circle reported its first financial accounts as a public company in 2019. These accounts revealed a 55% increase in year on year revenues and an increase in pre-tax losses from £36.3m to £50.7m; the increase in pre-tax losses were driven by the company spending more on marketing and staff.<sup id="cite_ref-FinancialTimes2019March7MegawNicholas_18-0" class="reference"><a href="#cite_note-FinancialTimes2019March7MegawNicholas-18"><span class="cite-bracket">[</span>18<span class="cite-bracket">]</span></a></sup> </p><p>In April 2019 the board of Funding Circle SME Income Fund announced that it would wind itself up and return its capital to shareholders.<sup id="cite_ref-19" class="reference"><a href="#cite_note-19"><span class="cite-bracket">[</span>19<span class="cite-bracket">]</span></a></sup> The company referred to a halving of revenue growth amid an "uncertain economic environment" in July 2019.<sup id="cite_ref-20" class="reference"><a href="#cite_note-20"><span class="cite-bracket">[</span>20<span class="cite-bracket">]</span></a></sup> The Guardian suggested was that this had been driven by <a href="/wiki/Brexit" title="Brexit">Brexit</a> rather than anything fundamentally wrong with the company's business model.<sup id="cite_ref-21" class="reference"><a href="#cite_note-21"><span class="cite-bracket">[</span>21<span class="cite-bracket">]</span></a></sup> Then in August 2019 it announced an increase of 15% in first half losses due to UK bad debts.<sup id="cite_ref-22" class="reference"><a href="#cite_note-22"><span class="cite-bracket">[</span>22<span class="cite-bracket">]</span></a></sup> </p><p>In September 2019 the Press Association noted that lenders face a near 100-day wait to sell off unwanted loans and get their money back, compared with just eight days in January 2019, reflecting a lack of liquidity in the product.<sup id="cite_ref-23" class="reference"><a href="#cite_note-23"><span class="cite-bracket">[</span>23<span class="cite-bracket">]</span></a></sup> In October 2019 Funding Circle wrote to investors in an effort to allay some of these concerns.<sup id="cite_ref-24" class="reference"><a href="#cite_note-24"><span class="cite-bracket">[</span>24<span class="cite-bracket">]</span></a></sup> Then in November 2019 the company's IPO was cited as an example of why hopes of a 2019 listings rush had been left unfulfilled.<sup id="cite_ref-25" class="reference"><a href="#cite_note-25"><span class="cite-bracket">[</span>25<span class="cite-bracket">]</span></a></sup> </p><p>On 9 April 2020 Funding Circle announced the temporary suspension of their secondary market for loan parts stating "we have taken the decision to pause the secondary market while we continue to evaluate the potential impact of Covid-19."<sup id="cite_ref-26" class="reference"><a href="#cite_note-26"><span class="cite-bracket">[</span>26<span class="cite-bracket">]</span></a></sup> </p><p>On 10 March 2022, the company announced it would be exiting the peer to peer market complete to concentrate on providing commercial loans.<sup id="cite_ref-27" class="reference"><a href="#cite_note-27"><span class="cite-bracket">[</span>27<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-28" class="reference"><a href="#cite_note-28"><span class="cite-bracket">[</span>28<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Operations">Operations</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Funding_Circle&action=edit&section=6" title="Edit section: Operations"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Funding Circle is an online marketplace that enables investors to offer money direct to small companies.<sup id="cite_ref-29" class="reference"><a href="#cite_note-29"><span class="cite-bracket">[</span>29<span class="cite-bracket">]</span></a></sup> Businesses can borrow up to £1 million in the UK, up to $500,000 in the US, and up to €250,000 in Germany and the Netherlands for up to 60 months.<sup id="cite_ref-30" class="reference"><a href="#cite_note-30"><span class="cite-bracket">[</span>30<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-31" class="reference"><a href="#cite_note-31"><span class="cite-bracket">[</span>31<span class="cite-bracket">]</span></a></sup> Initially the loan rate was set through an auction process, but since September 2015, Funding Circle determines the loan rate offered based on risk category and loan term.<sup id="cite_ref-32" class="reference"><a href="#cite_note-32"><span class="cite-bracket">[</span>32<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Regulatory">Regulatory</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Funding_Circle&action=edit&section=7" title="Edit section: Regulatory"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>As of 2012 <a href="/wiki/Financial_Services_Compensation_Scheme" title="Financial Services Compensation Scheme">Britain's Financial Services Compensation Scheme</a> does not cover lending by crowd funding or peer-to-peer lending and therefore Funding Circle's customers are not protected and cannot turn as a last resort to the FSCS.<sup id="cite_ref-Reuters2012February21MacLellanKylie_5-2" class="reference"><a href="#cite_note-Reuters2012February21MacLellanKylie-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> </p><p>In December 2012 it was announced by the UK Treasury that beginning in April 2014 the UK's new Financial Conduct Authority (FCA) would regulate peer-to-peer lenders, including Funding Circle.<sup id="cite_ref-Reuters2012December7MacLellanKylie_33-0" class="reference"><a href="#cite_note-Reuters2012December7MacLellanKylie-33"><span class="cite-bracket">[</span>33<span class="cite-bracket">]</span></a></sup> It further announced that during 2013 there would be consultation to decide how the new rules would work.<sup id="cite_ref-Reuters2012December7MacLellanKylie_33-1" class="reference"><a href="#cite_note-Reuters2012December7MacLellanKylie-33"><span class="cite-bracket">[</span>33<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="References">References</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Funding_Circle&action=edit&section=8" title="Edit section: References"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1239543626">.mw-parser-output .reflist{margin-bottom:0.5em;list-style-type:decimal}@media screen{.mw-parser-output .reflist{font-size:90%}}.mw-parser-output .reflist .references{font-size:100%;margin-bottom:0;list-style-type:inherit}.mw-parser-output .reflist-columns-2{column-width:30em}.mw-parser-output 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data-mw-deduplicate="TemplateStyles:r1238218222">.mw-parser-output cite.citation{font-style:inherit;word-wrap:break-word}.mw-parser-output .citation q{quotes:"\"""\"""'""'"}.mw-parser-output .citation:target{background-color:rgba(0,127,255,0.133)}.mw-parser-output .id-lock-free.id-lock-free a{background:url("//upload.wikimedia.org/wikipedia/commons/6/65/Lock-green.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-limited.id-lock-limited a,.mw-parser-output .id-lock-registration.id-lock-registration a{background:url("//upload.wikimedia.org/wikipedia/commons/d/d6/Lock-gray-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-subscription.id-lock-subscription a{background:url("//upload.wikimedia.org/wikipedia/commons/a/aa/Lock-red-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .cs1-ws-icon a{background:url("//upload.wikimedia.org/wikipedia/commons/4/4c/Wikisource-logo.svg")right 0.1em center/12px no-repeat}body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-free a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-limited a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-registration a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-subscription a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .cs1-ws-icon a{background-size:contain;padding:0 1em 0 0}.mw-parser-output .cs1-code{color:inherit;background:inherit;border:none;padding:inherit}.mw-parser-output .cs1-hidden-error{display:none;color:var(--color-error,#d33)}.mw-parser-output .cs1-visible-error{color:var(--color-error,#d33)}.mw-parser-output .cs1-maint{display:none;color:#085;margin-left:0.3em}.mw-parser-output .cs1-kern-left{padding-left:0.2em}.mw-parser-output .cs1-kern-right{padding-right:0.2em}.mw-parser-output .citation .mw-selflink{font-weight:inherit}@media screen{.mw-parser-output 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Retrieved <span class="nowrap">2016-04-28</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=Funding+Circle&rft.atitle=Loan+Types+and+Criteria&rft_id=https%3A%2F%2Fwww.fundingcircle.com%2Fbusinesses%2Floan-types-and-criteria&rfr_id=info%3Asid%2Fen.wikipedia.org%3AFunding+Circle" class="Z3988"></span></span> </li> <li id="cite_note-31"><span class="mw-cite-backlink"><b><a href="#cite_ref-31">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="https://www.fundingcircle.com/us/small_business_loans/">"Small Business Loans"</a>. <i>Funding Circle</i><span class="reference-accessdate">. Retrieved <span class="nowrap">2016-04-28</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=Funding+Circle&rft.atitle=Small+Business+Loans&rft_id=https%3A%2F%2Fwww.fundingcircle.com%2Fus%2Fsmall_business_loans%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AFunding+Circle" class="Z3988"></span></span> </li> <li id="cite_note-32"><span class="mw-cite-backlink"><b><a href="#cite_ref-32">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFJaime_Toplin2015" class="citation news cs1">Jaime Toplin (9 September 2015). <a rel="nofollow" class="external text" href="http://www.businessinsider.com/funding-circle-is-shifting-its-model-2015-9">"Why Funding Circle is shifting its lending model"</a>. <i>Business Insider</i><span class="reference-accessdate">. Retrieved <span class="nowrap">2016-04-28</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=Business+Insider&rft.atitle=Why+Funding+Circle+is+shifting+its+lending+model&rft.date=2015-09-09&rft.au=Jaime+Toplin&rft_id=http%3A%2F%2Fwww.businessinsider.com%2Ffunding-circle-is-shifting-its-model-2015-9&rfr_id=info%3Asid%2Fen.wikipedia.org%3AFunding+Circle" class="Z3988"></span></span> </li> <li id="cite_note-Reuters2012December7MacLellanKylie-33"><span class="mw-cite-backlink">^ <a href="#cite_ref-Reuters2012December7MacLellanKylie_33-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-Reuters2012December7MacLellanKylie_33-1"><sup><i><b>b</b></i></sup></a></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFMacLellan2012" class="citation news cs1">MacLellan, Kylie (7 December 2012). <a rel="nofollow" class="external text" href="https://www.reuters.com/article/crowdfunding-regulation/update-1-peer-to-peer-lenders-welcome-step-towards-regulation-idUSL5E8N78Z320121207">"Update 1-Peer-to-Peer Lenders Welcome Step Towards Regulation"</a>. No. Bonds News. London: Reuters. Thomson Reuters<span class="reference-accessdate">. Retrieved <span class="nowrap">23 December</span> 2019</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.atitle=Update+1-Peer-to-Peer+Lenders+Welcome+Step+Towards+Regulation&rft.issue=Bonds+News&rft.date=2012-12-07&rft.aulast=MacLellan&rft.aufirst=Kylie&rft_id=https%3A%2F%2Fwww.reuters.com%2Farticle%2Fcrowdfunding-regulation%2Fupdate-1-peer-to-peer-lenders-welcome-step-towards-regulation-idUSL5E8N78Z320121207&rfr_id=info%3Asid%2Fen.wikipedia.org%3AFunding+Circle" class="Z3988"></span></span> </li> </ol></div></div> <div class="mw-heading mw-heading2"><h2 id="Further_reading">Further reading</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Funding_Circle&action=edit&section=9" title="Edit section: Further reading"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFCortese2011" class="citation book cs1">Cortese, Amy (2011). <a rel="nofollow" class="external text" href="https://books.google.com/books?id=QC5bRjdcM5MC&q=%22Funding+Circle%22+-wikipedia&pg=PT111"><i>Locavesting: The Revolution in Local Investing and How to Profit From It</i></a>. John Wiley & Sons. <a href="/wiki/ISBN_(identifier)" class="mw-redirect" title="ISBN (identifier)">ISBN</a> <a href="/wiki/Special:BookSources/978-0470911389" title="Special:BookSources/978-0470911389"><bdi>978-0470911389</bdi></a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=book&rft.btitle=Locavesting%3A+The+Revolution+in+Local+Investing+and+How+to+Profit+From+It&rft.pub=John+Wiley+%26+Sons&rft.date=2011&rft.isbn=978-0470911389&rft.aulast=Cortese&rft.aufirst=Amy&rft_id=https%3A%2F%2Fbooks.google.com%2Fbooks%3Fid%3DQC5bRjdcM5MC%26q%3D%2522Funding%2BCircle%2522%2B-wikipedia%26pg%3DPT111&rfr_id=info%3Asid%2Fen.wikipedia.org%3AFunding+Circle" class="Z3988"></span></li> <li><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFCudby2018" class="citation book cs1">Cudby, Adrian (2018). <a rel="nofollow" class="external text" href="https://books.google.com/books?id=4SNwDwAAQBAJ&q=%22Funding+Circle%22&pg=PA234"><i>Commercial Lending: Principles and Practice</i></a>. Kogan. p. 234. <a href="/wiki/ISBN_(identifier)" class="mw-redirect" title="ISBN (identifier)">ISBN</a> <a href="/wiki/Special:BookSources/978-0749482770" title="Special:BookSources/978-0749482770"><bdi>978-0749482770</bdi></a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=book&rft.btitle=Commercial+Lending%3A+Principles+and+Practice&rft.pages=234&rft.pub=Kogan&rft.date=2018&rft.isbn=978-0749482770&rft.aulast=Cudby&rft.aufirst=Adrian&rft_id=https%3A%2F%2Fbooks.google.com%2Fbooks%3Fid%3D4SNwDwAAQBAJ%26q%3D%2522Funding%2BCircle%2522%26pg%3DPA234&rfr_id=info%3Asid%2Fen.wikipedia.org%3AFunding+Circle" class="Z3988"></span></li> <li><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFJones2013" class="citation book cs1">Jones, Emma (2013). <a rel="nofollow" class="external text" href="https://books.google.com/books?id=p-SaXWGlDFIC&q=%22Funding+Circle%22+-wikipedia&pg=PT65"><i>50 Ways to Find Funding for Your Business</i></a>. Enterprise Nation. <a href="/wiki/ISBN_(identifier)" class="mw-redirect" title="ISBN (identifier)">ISBN</a> <a href="/wiki/Special:BookSources/978-0857192905" title="Special:BookSources/978-0857192905"><bdi>978-0857192905</bdi></a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=book&rft.btitle=50+Ways+to+Find+Funding+for+Your+Business&rft.pub=Enterprise+Nation&rft.date=2013&rft.isbn=978-0857192905&rft.aulast=Jones&rft.aufirst=Emma&rft_id=https%3A%2F%2Fbooks.google.com%2Fbooks%3Fid%3Dp-SaXWGlDFIC%26q%3D%2522Funding%2BCircle%2522%2B-wikipedia%26pg%3DPT65&rfr_id=info%3Asid%2Fen.wikipedia.org%3AFunding+Circle" class="Z3988"></span></li> <li><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFMessina2019" class="citation book cs1">Messina, Patrizio (2019). <a rel="nofollow" class="external text" href="https://books.google.com/books?id=6SusDwAAQBAJ&q=%22Funding+Circle%22&pg=PT107"><i>Finance for SMEs: European Regulation and Capital Markets Union: Focus on Securitization and Alternative Finance Tools</i></a>. Wolters Kluwer. <a href="/wiki/ISBN_(identifier)" class="mw-redirect" title="ISBN (identifier)">ISBN</a> <a href="/wiki/Special:BookSources/978-9403501611" title="Special:BookSources/978-9403501611"><bdi>978-9403501611</bdi></a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=book&rft.btitle=Finance+for+SMEs%3A+European+Regulation+and+Capital+Markets+Union%3A+Focus+on+Securitization+and+Alternative+Finance+Tools&rft.pub=Wolters+Kluwer&rft.date=2019&rft.isbn=978-9403501611&rft.aulast=Messina&rft.aufirst=Patrizio&rft_id=https%3A%2F%2Fbooks.google.com%2Fbooks%3Fid%3D6SusDwAAQBAJ%26q%3D%2522Funding%2BCircle%2522%26pg%3DPT107&rfr_id=info%3Asid%2Fen.wikipedia.org%3AFunding+Circle" class="Z3988"></span></li> <li><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFPanzarino2016" class="citation book cs1">Panzarino, Helene (2016). <a rel="nofollow" class="external text" href="https://books.google.com/books?id=KPBRCgAAQBAJ&q=%22Funding+Circle%22+-wikipedia&pg=PA243"><i>Business Funding For Dummies</i></a>. John Wiley & Sons. p. 243. <a href="/wiki/ISBN_(identifier)" class="mw-redirect" title="ISBN (identifier)">ISBN</a> <a href="/wiki/Special:BookSources/978-1119111597" title="Special:BookSources/978-1119111597"><bdi>978-1119111597</bdi></a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=book&rft.btitle=Business+Funding+For+Dummies&rft.pages=243&rft.pub=John+Wiley+%26+Sons&rft.date=2016&rft.isbn=978-1119111597&rft.aulast=Panzarino&rft.aufirst=Helene&rft_id=https%3A%2F%2Fbooks.google.com%2Fbooks%3Fid%3DKPBRCgAAQBAJ%26q%3D%2522Funding%2BCircle%2522%2B-wikipedia%26pg%3DPA243&rfr_id=info%3Asid%2Fen.wikipedia.org%3AFunding+Circle" class="Z3988"></span></li> <li><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFUnited_States_House_of_Representatives2015" class="citation web cs1">United States House of Representatives (2015). <a rel="nofollow" class="external text" href="https://books.google.com/books?id=Gkg7ZVfM854C&q=%22Funding+Circle%22+-wikipedia&pg=PA34">"Bridging the Small Business Capital Gap: Peer to Peer Lending: Hearing before the House Committee on Small Business"</a>. US Government Publishing Office. p. 34.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Bridging+the+Small+Business+Capital+Gap%3A+Peer+to+Peer+Lending%3A+Hearing+before+the+House+Committee+on+Small+Business&rft.pages=34&rft.pub=US+Government+Publishing+Office&rft.date=2015&rft.au=United+States+House+of+Representatives&rft_id=https%3A%2F%2Fbooks.google.com%2Fbooks%3Fid%3DGkg7ZVfM854C%26q%3D%2522Funding%2BCircle%2522%2B-wikipedia%26pg%3DPA34&rfr_id=info%3Asid%2Fen.wikipedia.org%3AFunding+Circle" class="Z3988"></span></li></ul> <div class="mw-heading mw-heading2"><h2 id="External_links">External links</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Funding_Circle&action=edit&section=10" title="Edit section: External links"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><a rel="nofollow" class="external text" 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title="Peer-to-peer lending">Peer-to-peer lending</a></div></th></tr><tr><td class="navbox-abovebelow" colspan="2"><div><a href="/wiki/Category:Peer-to-peer_lending_companies" title="Category:Peer-to-peer lending companies">Companies</a></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%;text-align: center;">Americas</th><td class="navbox-list-with-group navbox-list navbox-odd hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><th id="United_States" scope="row" class="navbox-group" style="width:1%;padding-left:0.5em;padding-right:0.5em;font-weight:bold;background-color: #eee;">United States</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/BTCJam" title="BTCJam">BTCJam (Defunct)</a></li> <li><a href="/wiki/Cross_River_Bank" title="Cross River Bank">Cross River</a></li> <li><a href="/wiki/Kiva_(organization)" title="Kiva (organization)">Kiva</a></li> <li><a href="/wiki/LendingClub" title="LendingClub">LendingClub</a></li> <li><a href="/wiki/Peerform" title="Peerform">Peerform</a></li> <li><a href="/wiki/Prosper_Marketplace" title="Prosper Marketplace">Prosper Marketplace</a></li> <li><a href="/wiki/SoFi" title="SoFi">SoFi</a></li> <li>United Prosperity (Defunct)</li> <li><a href="/wiki/Upstart_(company)" class="mw-redirect" title="Upstart (company)">Upstart</a></li> <li><a href="/wiki/Vittana" title="Vittana">Vittana (Defunct)</a></li> <li><a href="/wiki/Virgin_Money_US" title="Virgin Money US">Virgin Money US (Defunct)</a></li> <li><a href="/wiki/Zidisha" title="Zidisha">Zidisha</a></li></ul> </div></td></tr></tbody></table><div></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%;text-align: center;">Asia</th><td class="navbox-list-with-group navbox-list navbox-odd hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><th scope="row" class="navbox-group" style="width:1%;padding-left:0.5em;padding-right:0.5em;font-weight:bold;background-color: #eee;">China</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Dianrong" title="Dianrong">Dianrong</a></li> <li><a href="/wiki/Lufax" title="Lufax">Lufax</a></li> <li><a href="/wiki/Qifang" title="Qifang">Qifang (Defunct)</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%;padding-left:0.5em;padding-right:0.5em;font-weight:bold;background-color: #eee;">Singapore</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Funding_Societies" title="Funding Societies">Funding Societies</a></li></ul> </div></td></tr></tbody></table><div></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%;text-align: center;">Europe</th><td class="navbox-list-with-group navbox-list navbox-odd hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><th scope="row" class="navbox-group" style="width:1%;padding-left:0.5em;padding-right:0.5em;font-weight:bold;background-color: #eee;">Germany</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Lendico" title="Lendico">Lendico</a></li> <li><a href="/wiki/Zencap" title="Zencap">Zencap Global Services</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%;padding-left:0.5em;padding-right:0.5em;font-weight:bold;background-color: #eee;">UK</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Abundance_Investment" title="Abundance Investment">Abundance Investment</a></li> <li><a href="/wiki/Assetz_Capital" title="Assetz Capital">Assetz Capital</a></li> <li><a href="/wiki/BondMason" title="BondMason">BondMason</a></li> <li><a href="/wiki/EdAid" title="EdAid">EdAid</a></li> <li><a href="/wiki/Folk2Folk" title="Folk2Folk">Folk2Folk</a></li> <li><a class="mw-selflink selflink">Funding Circle</a></li> <li><a href="/wiki/Landbay" title="Landbay">Landbay</a></li> <li><a href="/wiki/LandlordInvest" title="LandlordInvest">LandlordInvest</a></li> <li><a href="/wiki/LendInvest" title="LendInvest">LendInvest</a></li> <li><a href="/wiki/LendingCrowd" title="LendingCrowd">LendingCrowd</a></li> <li><a href="/w/index.php?title=Lending_Works&action=edit&redlink=1" class="new" title="Lending Works (page does not exist)">Lending Works</a></li> <li><a href="/wiki/RateSetter" title="RateSetter">RateSetter (Defunct)</a></li> <li><a href="/wiki/Rebuildingsociety.com" title="Rebuildingsociety.com">RebuildingSociety.com</a></li> <li><a href="/wiki/ThinCats" title="ThinCats">ThinCats</a></li> <li><a href="/wiki/Unbolted" title="Unbolted">Unbolted</a></li> <li><a href="/wiki/Wellesley_%26_Co." title="Wellesley & Co.">Wellesley & Co.</a></li> <li><a href="/wiki/Zopa" title="Zopa">Zopa</a></li></ul> </div></td></tr></tbody></table><div></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%;text-align: center;">Oceania</th><td class="navbox-list-with-group navbox-list navbox-odd hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><th scope="row" class="navbox-group" style="width:1%;padding-left:0.5em;padding-right:0.5em;font-weight:bold;background-color: #eee;">Australia</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/SocietyOne" title="SocietyOne">SocietyOne</a></li> <li><a href="/wiki/Wisr" title="Wisr">Wisr</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%;padding-left:0.5em;padding-right:0.5em;font-weight:bold;background-color: #eee;">New Zealand</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Harmoney" title="Harmoney">Harmoney</a></li></ul> </div></td></tr></tbody></table><div></div></td></tr><tr><td class="navbox-abovebelow" colspan="2"><div><b><span class="noviewer" typeof="mw:File"><span title="Category"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/16px-Symbol_category_class.svg.png" decoding="async" width="16" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/23px-Symbol_category_class.svg.png 1.5x, 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