Term loans from $50K to $5M with 6 to 60 month terms. Fixed monthly payments, simple-interest pricing, no prepayment penalty. Lowest total cost of capital on our menu.
Established businesses (2+ years, $250K+ revenue) that prefer predictable, lower-cost capital with monthly billing.
Open a new location or product line.
Buy a competitor, a book of business, a building.
Capital-heavy purchases over 24 months.
Consolidate stacked MCAs into one fixed payment.
TI, machinery installs, new locations.
Long-term operating capital needs.
Most operators in our credit box meet these baselines. Apply for a no-impact offer to see your real terms — qualifying is not the same as approval, and approval depends on your full file.
Minimum operating history.
Minimum verifiable revenue.
Personal guarantor minimum.
No 40-page packets. Connect your bank, get a real offer from a real human, accept and fund.
Connect your bank or upload statements. Soft pull only.
Underwriter reviews your file. Most offers in 2–4 hours.
Sign and ACH or wire hits your account same or next day.
See your offer in 4 minutes — soft pull, no impact, no commitment.
Term loans are originated through our partner network of FDIC-insured banks and SBA-approved lenders. Circle handles your application, advises on structure, and serves as your single point of contact through funding and servicing. Pricing and approval terms are determined by the originating partner.