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, faster.

  • IBV & account aggregation
  • Data standardization
  • Real-time transaction analysis
  • Underwriting insights
  • Post-origination account monitoring
  • Preemptive default mitigation
  • Repeat borrower signals
  • Community impact tracking

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 if we're a good fit.

We’ll only use this internally to evaluate fit.

We’ll use your information to evaluate early-access interest and contact you about CircumFi. We do not sell submitted information. Privacy.

Focused solutions for real lending problems.

CircumFi starts with the bottleneck, not a predetermined software bundle.

Stale financial information

Turn current transaction and financial data into real-time borrower insights.

Disparate document sources

Standardize information and reduce repetitive manual document reviews.

Lengthy review processes

Analytics and underwriting insights that empower sound decision making.

Reacting to past-due payments

Surface early warning signals and support proactive loss mitigation.

One-off borrower relationships

Identify ideal repeat borrower candidates and proactively engage your best clients.

Portfolio reporting without action

Replace overlapping reports with actionable dashboards.

Difficulty measuring community impact

Business financial health metrics alongside enhanced payroll and local spend data.

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 your workflow, your data, and the challenges you face.

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
  • You decide what matters most. Pre-origination data aggregation, standardization, underwriting, documentation, and funding
  • What's your use case? Post-origination account monitoring, preemptive modification, repeat borrowing, and community impact tracking
Sean Stewart, founder of CircumFi

Built by a lender, operator, and problem solver.

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, credit risk, consumer spending patterns, 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 consumer and 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 solutions.

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