Image source: Getty Images Zaven Boyrazian does not own shares in Funding Circle Holdings. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Simply click below to discover how you can take advantage of this. Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. See all posts by Zaven Boyrazian “This Stock Could Be Like Buying Amazon in 1997” Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Our 6 ‘Best Buys Now’ Shares Zaven Boyrazian | Wednesday, 10th February, 2021 | More on: FCH I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Enter Your Email Address I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. 1 fintech stock that’s modernising moneylending Did you know 99% of businesses worldwide are small and medium-sized enterprises (SMEs)? They’re responsible for nearly 70% of all employment. Yet, even with the digitalisation of the banking system, securing a loan remains challenging. But this fintech stock is changing all that. Let’s take a look.A new approach to borrowing moneyTraditionally, a business loan from a bank is the go-to option for borrowing funds. However, this process can be complicated, as well as time-consuming. To make financing easier for SMEs, Funding Circle Holdings (LSE:FCH) created a new platform which connects borrowers directly to investors.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Providing they pass the credit checks, borrowers gain immediate access to funding sourced from third-party investors operating on the platform. These investors earn returns from the SMEs’ profits as the debt is repaid. Meanwhile, Funding Circle is generating revenue through small transaction fees and annual service fees.While still relatively unknown, the platform has over 90,000 borrowers, and a network for over 100,000 investors providing the money. In total there is currently £3.7bn of loans under management.Covid-19 has been devastating for many SMEs. The lockdowns have halted business, and many were unable to keep up with repayments. However, the stock’s management team is fully aware and introduced temporary flexibility options regarding payments. As a result, even with most SMEs shut down, over 90% of borrowers are still making their payments on time – an impressive feat in my eyes.Lending money always has its risksThe platform is vastly different from traditional money lending systems. However, it is still exposed to the same fundamental risks. If borrowers don’t pay their debts, the investors will run for the hills, making the platform useless in the process.As previously stated, the fintech stock provided flexibility options for borrowers during this pandemic. But, depending on how much longer the lockdowns continue, these flexibility measures may not be enough.This is particularly worrying as nearly 50% of platform investors are institutional. Institutional investors do bring stability to the source of funds. But, if one were to lose confidence and withdraw, it could trigger a chain reaction that might significantly impact the business.The firm is also not yet profitable and continues to lose money each year. It is generating a gross profit, meaning the platform makes more money than is being spent on operating it. However, due to lack of public awareness, the company is investing heavily in its marketing department to attract more borrowers and platform investors.Is the Funding Circle fintech stock worth owning?This new moneylending approach certainly sounds intriguing to me. And while it could be many years before the business turns a profit, the aggressive marketing budget appears to be working. Over the last five years, revenue has grown by 51% annually.And even with this impressive growth, it has only captured less than 1% of the addressable SME debt market. Combining the platform’s advantages, with a substantial room for growth, makes Funding Circle just the kind of stock I like to have in my portfolio. The risks are still quite high, but I believe the potential returns justify having the share on my watchlist.