Portfolio management · Where the work lives

Proactive portfolio management plus technical assistance. Right when it's needed most.

Mission-driven lenders have a handful of tools to help a business through a hard stretch: technical assistance, introductions to the right community partners, a temporary deferment, or a modification. Each works best early. CircumFi surfaces business changes across your portfolio and shows you which borrowers would benefit from a hand, when those tools are most likely to make a difference.

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Collect, monitor, intervene, and repeat

01 · Collect

Continuous data between reporting periods.

Enter a business owner's details, or import your loans from a CSV, and CircumFi emails each owner an invitation. While the owner's bank account stays connected through Plaid or another banking connector, transaction data updates with each available pull, at least daily.

02 · Monitor

See changes and who would benefit most.

A borrower can still be current while cash activity begins to move in the wrong direction. CircumFi gives you an up-to-date view of your strongest borrowers, and those in need of a hand, so you can inform your risk ratings with continuous data.

Real transaction history, de-identified

Operating checking account

Payment status Current No missed or late payment
Average daily balance 39.24% decline $4,289 to $2,606 Review
Deposit source concentration 96.86% 20.08% point increase Review

Every payment on this loan arrived on schedule. Over the same period the operating balance fell by more than a third and deposits concentrated into a single payer — the kind of change a payment record alone does not report.

Explore this account in the portfolio monitoring example

03 · Intervene

Early intervention, decided by your team.

CircumFi routes the case to your team for review. Your policy and your people decide what happens next: precise technical assistance, an introduction to the right community partner, a temporary deferment, or a modification, while there's still room for a turnaround.

04 · Repeat

Your next loan is already in your portfolio.

The same monitoring that spots strain also shows you which businesses are growing stronger. Reach out to existing borrowers who are demonstrating sustained revenue growth, controlled operating expenses, improved margins, and rising cash flow.

See the evidence behind every figure.

The portfolio monitoring example keeps the math visible: inspect the ledger, compare two 90-day windows, then see why the case enters a human review queue. The starting points reflect industry best practices; each lender sets thresholds to its own policy.

See the portfolio monitoring workflow Walk the whole loan life cycle

Stay ahead of missed payments.

If you're ready to discuss post-origination portfolio monitoring, let's start a conversation.

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