Why is Circl Lending offering me financing?

Your business was handpicked to receive a potential financing offer from Circl Lending. Fill out the application to see what we can do for you!

Why should I choose Circl Lending?

Circl Lending aims to become your trusted lending partner. Our Finance Specialists draw upon 20 years of experience in the financial services industry to personalize funding to meet your business needs.

What are your fees? How much does my financing cost?

Circl Lending charges a flat fee.. Your fee is broken up into installments and is based on your revenue. This is paid as part of your daily, weekly, or monthly repayments. Please refer to your financing agreement for specific details.

How does Circl Lending determine the financing amount?

The financing amount is determined by your business’s revenue and financial health.

How long do I have to make repayments?

The typical repayment period is 100-160 days. The period is determined when you apply.

How do I make payments?

Payments are automatically withdrawn via ACH debiting from the business bank account you provided during the application process. The repayment schedule may be daily, weekly, or monthly, depending on the terms of your financing.

Do you perform a credit check? Will this impact my credit score?

Good news! We do not perform a personal credit check and the application process does not affect your personal credit score.

What happens if I can’t make a payment?

We understand that businesses can run into challenging financial situations. Knowing this, we provide an easy way to adjust your payment schedule by contacting one of our specialists at info@lending.joincircl.com or calling (802) 394-1705. If you cannot make a payment, it is important that you contact us as soon as possible to avoid additional penalties.

If I miss a payment, will it affect my standing as a customer of Circl Lending?

No. If you miss a payment, we can adjust your schedule without affecting your Circl Lending account. However, to avoid paying additional penalties, we ask that you contact us as soon as possible.

I’m concerned about providing sensitive financial information. Will Circl Lending have access to my bank account?

Circl Lending uses a third-party service such as Plaid or Yodlee to review transactional information. We have view-only access to the information those services provide and nothing more.

Is there someone I can speak with to answer my questions or discuss an issue?

Of course! You can reach us by phone at (802) 394-1705 or email at info@lending.joincircl.com. Our business hours are 9:00 am – 5:00 pm PT Monday to Friday.