Empowering Small Businesses Across America
We started Circular Payments with a simple belief: small businesses deserve fast, fair access to the capital they need to grow.
Our Story
Circular Payments was founded by people who saw firsthand how difficult it was for small business owners to access capital through traditional banks. Long applications, weeks of waiting, and rejections based on credit scores that didn't reflect the health of the business.
We knew there had to be a better way. By focusing on what actually matters — your business revenue and credit card processing volume — we built a funding model that serves established merchants who are often underserved by traditional bank financing.
Today, we're funding US merchants every business day across dozens of verticals — restaurants, retail, auto service, professional services, and more. We're just getting started.
Our Values
Mission-Driven
We believe established businesses deserve more funding options. By qualifying on business performance — monthly card processing volume — we offer an alternative to traditional bank financing.
Business-First
We exist to serve small business owners. Every decision we make — from our approval process to our repayment terms — is designed with your success in mind.
People Over Paperwork
We see the business owner behind the application. Our process is human, transparent, and designed to minimize friction.
Growth Partners
We're not just a funding source — we're invested in your growth. Many of our clients return for additional funding as their business expands.
Why We're Different
Traditional lenders look at your past. We look at your present. If your business is generating revenue through credit card sales, that tells us everything we need to know about your ability to succeed.
Our model is built on partnership, not gatekeeping. We succeed when you succeed — which is why our repayment structure flexes with your revenue and our team is always available to support you.
Let's Grow Together
Talk to our funding team about revenue-based working capital for your business.