How to choose between a term loan and a line of credit.
The two products solve different problems. We break down the four questions that determine which one fits your business — and the trap most operators fall into.
Read guide →Guides, calculators, and frameworks built by our credit team — to help operators make smarter financing decisions, whether or not they ever borrow from us.
Model your payback, daily/weekly remittance, and effective APR across funding amounts and terms before you ever submit an application.
Open calculator → ComparisonSide-by-side breakdown of all six Circle products — funding range, term, speed, and best-use cases for each.
Compare products → Pre-qualifySee what you qualify for in 60 seconds with no impact to your credit. Real terms, no commitment.
Get pre-qualified →The two products solve different problems. We break down the four questions that determine which one fits your business — and the trap most operators fall into.
Read guide →From an underwriter who reads 200 statements a week — the seven metrics that determine your offer, and how to clean up your statements before applying.
Read guide →The complete walkthrough — eligibility, paperwork, timeline, fees, prepayment, what to do when you're declined, and when SBA actually beats a term loan.
Read guide →The five-step plan we walk first-time borrowers through. Vendor accounts, credit-builder products, reporting bureaus, and the timeline to a real credit profile.
Read guide →If you can't see 13 weeks out, you're flying blind. Free template and walk-through of how to actually use it to manage capital decisions.
Read guide →A practical guide to restaurant financing — equipment, build-out, payroll bridge, expansion. Real numbers, real margins, real timing of cash needs.
Read guide →