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Callum MacLeod

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Review of the Funding Circle, Peer to Business Lending:

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Easy process, responsible lending

They're not the cheapest but certainly not the dearest and the application and funding processes were straightforward. Reviewed on: 6th July 2022

Review of the HSBC, Business Banking:

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Choose very wisely

There are banks which will support your growth when it happens and who will respond to your business needs as and when they arrive. HSBC is not one of those banks. I wouldn't consider them for lending purposes (Funding Circle is the place to go for that) but they merit the seemingly poor reputation reflected on this site in every single way. I hope the indifferent and hostile customer service is intentional because if it's not, it's alarmingly amateur for a brand name bank. If you're in a position where you can switch or where you're considering whether to open with them, pay close attention to these poor reviews. They're not wrong. A lot of these reviews may be coming from people who have been refused loans and are aggrieved. Not this one. I'm trading at £5m this year (up from £2m in 2019 ) and I'm very well funded to the extent that it's been more than seven years since I last used any part of my overdraft facility but HSBC have sophisticated ways of making the banking process cumbersom and responses to queries churlish. If it wasn't for the fact that we're all real people, it would make an excellent sitcom. Reviewed on: 6th July 2022

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