Power up
Keep up with your business wellness and scale it with more working capital in one place. We’ve partnered with a top A+-rated, BBB Accredited lender to provide financing up to $75,000 for expanding small businesses.
first paragraph
second paragraph
Circl Lending
Our mission is to connect small businesses of all sizes, in any industry, across all 50 states with easily accessible collateral-free financing.
Circl Lending uses advanced data elements to enhance underwriting, with final decisions made quickly—usually within a few hours. Upon application, your Circl account is automatically generated to ensure smooth monitoring of your financials.
Any U.S.-based small business having a satisfactory cash flow to cover automated daily, weekly, or monthly repayments are eligible to apply.
third paragraph
Ready to grow?
Access working capital that doesn’t affect your personal credit score.
Get Started
fifth paragraph
  • No personal collateral required
  • No impact on personal credit score
  • Know exactly what you’ll pay beforehand
  • Upload documents at your convenience (off business hours)
  • A final decision within a couple of hours for faster transfer of funds
  • Automatic reminders via email and/or text track progress
  • Circl dashboard to monitor business wellness
  • Fixed Loan: fees are a fixed rate
  • Short-term: typically repayment period is 100-160 days
  • Payments: automatically withdrawn daily, weekly, or monthly via ACH
  • Factor Rates: 1.40x to 1.50x. This means, if you were going to borrow $10,000 and the factor rate was 1.40, the amount to be repaid would be $14,000 at the end of the term.
  • Origination (processing) fee: 0.5% to 1.0% depending on
  • Loan Amount: ranges from $5,000 to $75,000
sixth paragraph
Invest in your business.
Put more strategic financing into your products and services.
Learn More
eighth paragraph
Application Process
  • Less than 15 minutes
  • Mobile-enabled online applications.
  • Securely connect bank account via Plaid or Yodlee to get qualified based on historic transactions.
  • Quick underwriter review.
  • Approval amount sent as a link with an electronic version of the origination agreement via text.
Financial wellness is a right.
Stay on top of your business’s vitals. Monitor cash flow movements and keep your enterprise in top shape.
Start Tracking