Stale financial information
Turn transaction and financial data into more timely borrower insights.
Financial technology for small business lenders
Right-sized financial technology solutions for small business lenders.
Focused tools built around your workflow, your lending problems, and your data.
Skip the oversized platform and the unnecessary learning curve. Give your team the tools it needs to make better decisions and move work forward.
- Data collection
- Loan packaging
- Underwriting insights
- Post-Origination Account Monitoring
- Default-risk management
Request Early Access
We’re creating tailored workflow solutions for a select group of lenders. Tell us where your operation is getting stuck, and we’ll see whether CircumFi may be a fit.
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Focused solutions for real lending problems.
CircumFi starts with the bottleneck, not a predetermined software bundle.
Time-consuming loan packaging
Streamline document collection, data organization, and loan preparation.
Disconnected systems
Standardize information and reduce repetitive movement between tools.
Reactive default-risk management
Surface useful warning signals earlier and support proactive loss mitigation.
One-off borrower relationships
Identify strong candidates for renewals, additional products, and continued engagement.
Limited portfolio visibility
Replace repetitive reports with clearer dashboards and more useful signals.
Difficult impact measurement
Track outcomes such as jobs created, borrower growth, capital deployed, and portfolio performance.
Built around the work your team already does.
Workflow tools
Data collection, loan packaging, and internal handoffs.
Underwriting insights
Transaction analysis, borrower insights, and risk signals.
Post-Origination Account Monitoring
Ongoing account visibility, streamlined dashboards, and early warning indicators.
Growth and impact
Renewal opportunities, repeat-borrower targeting, and impact assessment.
The workflow comes first.
Most fintech platforms ask lenders to adapt to the system. CircumFi starts with the workflow, the data, and the lending problem you already have.
Focused tools. Less platform bloat. Better fit.
- Designed for small business lending workflows
- Tailored to specific operational problems
- Avoids unnecessary platform complexity
- Built around lender control of lender data
- Supports underwriting, monitoring, risk, growth, and impact use cases
Built by a lender and fintech operator.
Sean solves problems. He also loves fintech — especially business lending and personal finance.
It’s weird. He knows.
Sean developed a deep and unique understanding of household and small business finance, risk management, credit policy, and borrower relationships over two decades in banking and finance.
Currently serving as Chief Credit Officer of GoodBread, his past includes roles with Bank of America, Citizens Bank, First Niagara Bank, HSBC, Chase, and BNY Mellon, with experience across retail lending, business lending, credit analysis, portfolio management, sales strategy, and vendor selection.
He believes he may have personally analyzed more combined credit reports, transaction histories, and borrower conversations than anyone in America.
Nay, the world.
It’s hard to quantify.
Sean originally founded CircumFi to help small business owners access low-cost financing through a process that generated competition among lenders. CircumFi is now focused on niche fintech business lending cases.
It’s fintech. It’s all niche.
Sean has also been a Founding Member of the Hudson Valley Venture Hub, a former Westchester Angel, and Managing Member of Up Level Housing LLC, a real estate investment company.
He lives with his wife, four kids, and two cats in the Hudson Valley. Probably a dog, too, by the time you read this.
Know what lending problem you want to solve?
Tell us where your workflow is getting stuck. We’re looking for a select group of lenders with focused, practical problems worth solving.
Request Early Access