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, assist, 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.

The lender's Borrowers page in CircumFi: links to add a borrower or import loans from a CSV, the count of connected borrowers, and a button that invites every borrower not yet invited.
The lender's Borrowers page: add your borrowers, then invite them all at once. Demo data. The lender, every business, and every amount are invented.

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.

The lender's Loans list in CircumFi, sorted by Needs attention: the Attention needed group at the top, each loan with its strongest alert and a count of the others.
The lender's Loans list, with the loans that need attention first. Demo data. The lender, every business, and every amount are invented.
See one de-identified account in the app

03 · Assist

Technical assistance, right on time.

CircumFi routes the case to your team for review. Your policy and your people decide how to help: precise technical assistance from your team, an introduction to the right community partner, a temporary deferment, or a modification, while there's still room for a turnaround. The business owner has a dashboard of their own all along, with cash flow insights, personalized alerts, and notifications.

One loan's summary in CircumFi: a What needs you box saying the average daily balance is well below its usual level, with Reached and Not reached buttons to record a call to the borrower.
One loan's summary: what changed, and a place to record the call to the borrower. Demo data. The lender, every business, and every amount are invented.

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.

The lender's Loans list in CircumFi sorted Strongest first: a landscaping business with revenue and average balance above its usual levels at the top.
The same Loans list, sorted strongest first. Demo data. The lender, every business, and every amount are invented.

See the evidence behind every figure.

The portfolio monitoring page opens into the app itself: who needs a hand first, what reaches your team, and one real borrower's account, de-identified.

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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