Circle pays lifetime residuals on every renewal — not just the first deal. Most lenders pay you once and forget your name. We treat your book like the business asset it is.
If you talk to small business owners about money, you have a referral business. We make it cleaner, faster, and more profitable to monetize it.
Independent finance brokers and ISOs looking for a direct funder with full product depth, transparent pricing, lifetime residuals, and 24-hour decisioning.
Tax and accounting professionals whose clients regularly need short-term capital. White-glove referral program with no licensing required for unsolicited intros.
Merchant processors, software platforms, and POS providers looking to monetize merchant capital demand with a vetted, compliant lending partner.
Commercial P&C agents whose clients face cash flow gaps from claim cycles, premium financing, or seasonal business interruption.
Bank loan officers whose declined files still represent quality borrowers. Refer turned-down credits and earn from a deal you would have lost otherwise.
Trade associations and franchise networks looking to offer a vetted capital benefit to members. Co-branded application paths available.
Submit a short partner application. We review and approve qualified partners in 24–48 hours, set up your portal access, and send your contract for e-sign.
Send deals through your branded portal link, white-labeled application, or directly via your dedicated submission specialist. We handle everything from there.
Commission paid within 24 hours of funding. Renewal residuals paid every time the merchant comes back for additional capital. No cliff. No clawback after 90 days.
| Feature | Circle | Industry standard |
|---|---|---|
| First-deal commission | 10–15% | 8–12% |
| Renewal commission | Lifetime residuals | One-time only or 12-month cap |
| Commission payout speed | Within 24h of funding | Net-15 or net-30 |
| Decision time | 2–4 hours | 1–3 business days |
| Product breadth | 6 products in-house | 1–2 products typical |
| Funding range | $10K – $5M | $5K – $500K typical |
| Branded portal | Included | Add-on or unavailable |
| Dedicated specialist | Yes — by name | Pooled support queue |
Send a deal to a direct lender, lose the renewal. Most direct funders eventually call your merchant. Some pay one-time and forget your name. We built Circle differently.
Every time your merchant renews — 1st, 5th, 20th deal — you get paid. Other lenders cap residuals at 12 months or kill them after the first renewal. We don’t.
When a Circle merchant qualifies for renewal, your dedicated specialist contacts you first. You re-engage the merchant, control the conversation, and earn commission on the renewal.
We understand the broker channel firsthand because we live in it — that’s why our commission structure and partner program are built broker-first.
A specialist will review your application within 24 business hours and reach out to schedule a partnership call. No spam, no high-pressure sales — just a conversation about whether Circle is the right capital partner for the operators you work with.