An approximate expression is developed for the stress-intensity factor due to concentrated point loads applied to the surfaces of a complete circumferential interior surface crack in a hollow circular cylinder. This expression is derived from existing results for a point load on an embedded penny-shaped crack and a concentrated “ring” load on a complete circumferential interior surface crack in a hollow cylinder. Results for a particular loading case were obtained using the approximate solution and comparing with three-dimensional results obtained using boundary integral equation techniques. Since the agreement was good, it is concluded that the approximate expression provides a sufficiently accurate means of estimating K for an arbitrary loading on an interior complete circumferential surface crack. Results for bending of a cracked cylinder are then presented as an example of the use of the approximate K solution. Convenient curve fits of relevant results are included in the Appendix.