Most direct lenders chase volume. Circle chases relationships — with operators and the brokers who refer them. We underwrite every file by hand, sign every contract on two pages, and renew capital on better terms every cycle. We’re not the biggest direct lender. We aim to be the one your operator never wants to leave — and the one your broker keeps sending deals to.
Circle Business Funding is a Miami-based direct lender. We deploy our own capital, alongside a network of FDIC-insured bank partners and SBA-approved lenders, to U.S. small businesses that fall between two bad options: bank loans that take 60 days, and online aggregators that hide their cost behind opaque contracts.
Our model is intentionally smaller. We underwrite cash flow the way a credit analyst would — file by file, by hand. We price transparently, on factor or APR depending on product, with full disclosure on page one. And we move at the speed an operator actually needs: most decisions in hours, most fundings in 24.
We grow through two channels: operators who find us directly, and a network of broker partners who refer deals because we don’t compete for the renewal. Both audiences see the same Circle: clear terms, real underwriters, two-page contracts. Merchants who don’t fit our direct credit box may be matched with vetted lenders in our partner network — always with your consent.
Every dollar of cost shown upfront. No origination fee surprises, no balloon payments hidden in week 12. You see APR, payback, and remit — before you sign.
We don't reject you because of a SIC code or a 620 FICO. We read your bank statements the way a credit analyst would and price you on the strength of what your business actually does.
24-hour funding doesn't mean 24-hour due diligence. Our automation handles the busywork so our underwriters can spend their time on the parts that matter.
61% of our clients come back for a second deal. Renewals price down. Relationships compound. We win when you grow — not when you churn.
We hold ourselves to the same operational and compliance standards as the bank partners we work with. See our full compliance posture →