Working capital, lines of credit, and equipment financing from $10K to $2M. We’re a direct lender — real underwriters, two-page contracts, no prepayment penalties. Apply once, get a real offer same-day.
Soft pull · No impact on credit · 4-minute application
Direct funding without competing for your merchant. Lifetime renewal residuals, 10–15% commissions, 24-hour payouts, dedicated specialist by name.
Three products we underwrite in-house. Three more through our partner network of FDIC-insured banks and SBA-approved lenders. Same application, same advisor.
Cash in your account in 24 hours. Daily or weekly remittance scaled to your deposit volume — payments shrink when revenue does.
Draw what you need, only pay on what you use. Replenishes as you repay. Built for managing cash-flow gaps and seasonal demand.
Finance up to 100% of equipment value with the equipment as collateral. Section 179-eligible — fund this year, deduct this year.
Predictable monthly payments over 6 to 60 months. Originated through FDIC-insured bank partners.
Lowest cost capital available. Originated through SBA-approved Preferred Lender partners.
Advance up to 90% of outstanding invoices. Originated through factoring partners.
For partner-network products, Circle handles your application, advises on structure, and serves as your single point of contact through funding. The originating partner determines pricing and approval terms.
Connect your bank. Get a real offer from a real human. Sign and fund — all in a single business day.
Connect your business bank via Plaid or upload three months of statements. Soft credit pull only — no impact to your score.
An underwriter reviews your file personally. Most applicants see firm offers within 4 hours during business hours.
Sign the contract, ACH or wire hits your account in as little as 4 hours. Average time-to-funding across all products: 24 hours.
From restaurant groups to construction GCs, freight haulers to medical practices — we underwrite based on cash flow, not credit theater.
GCs, subs, specialty trades. Bridge capital for materials and payroll between draws.
Single locations to 50-unit groups. Daily remit scales with your deposits.
OTR fleets, last-mile, brokers. Equipment financing and factoring built for freight cycles.
Brick & mortar, DTC, Amazon sellers. Inventory financing aligned to your sell-through.
Practices, MSO groups, specialty clinics. Equipment, expansion, and acquisition capital.
Law firms, accountants, agencies. Smooth out billable cycles, fund hiring sprints.
Salons, spas, med-spa, fitness. Equipment financing and growth capital for multi-location plays.
Job shops, contract manufacturers, fabricators. Equipment and PO financing built for production cycles.
Move the sliders for an indicative quote. Real offers depend on your bank cash flow, time-in-business, and credit profile — but most clients fund within 5% of these estimates.
Estimates are indicative based on average rates for working capital products. Actual offers vary by underwriting profile. Apply for a no-impact offer in 4 minutes.
Circle deploys our own capital, alongside a network of FDIC-insured bank and SBA partners. Some files we underwrite in-house. Some we route to a partner that fits better. Either way, you get one application, one advisor, and an offer you can read in two minutes.
Every file is reviewed by a senior underwriter — not a black-box scorecard. We see what the data misses: the seasonal restaurant, the contractor with a $400K AR balance, the practice owner who just opened location two.
61% of our merchants come back for a second deal. Brokers who refer to us earn lifetime residuals on every renewal — not just the first deal. We track repayment history, build files, and renew capital on better terms each cycle.
Pay off early and we’ll discount your remaining balance. We make money when you grow, not when you struggle. It’s how relationship lending should work, and largely doesn’t anywhere else.
Every Circle contract fits on two pages. Factor rate, total payback, schedule, fees — all on page one. If something needs a footnote to understand, it’s not in our contracts.
See your offer in 4 minutes — soft pull, no impact, no commitment. Most operators have funds in their account within 24 hours.
Submit a deal, see real-time pipeline, get paid on every renewal.