Built to work alongside the tools you already use.
CircumFi is not a rip-and-replace platform. It is designed to fit into the stack a small business lender already runs — the bank data connections, cash-flow intelligence, decisioning tools, credit data sources, origination and servicing systems, payment rails, and document tools below are the kind of landscape CircumFi is built to work within.
Bank data & open banking
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Plaid(opens external site)
Connects applications to bank account data, with products spanning payments, credit underwriting, fraud, and onboarding.
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MX(opens external site)
Financial data platform providing account aggregation, instant account verification, transaction enhancement, and analytics.
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Finicity (Mastercard)(opens external site)
Part of Mastercard Open Finance; APIs for consumer-permissioned data sharing across account opening, payments, and lending.
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Flinks(opens external site)
Financial data connectivity platform for connecting bank accounts, verifying documents, and enriching data for decisioning.
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Quiltt(opens external site)
Unified open-banking API that routes to multiple financial data and enrichment providers under one contract.
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Chirp(opens external site)
Tokenized open-banking connections for bank account verification and transaction aggregation.
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Yodlee(opens external site)
Open-banking APIs connecting applications to consumer-permissioned financial data, with normalization and enrichment.
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Conductiv(opens external site)
Data and AI tools for lenders to digitally verify income, employment, bank statements, and tax returns.
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Method(opens external site)
Connectivity to consumer credit and liability accounts, with embedded payments and real-time account data.
Cash-flow & transaction intelligence
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Prism Data(opens external site)
Transaction intelligence platform that turns bank account data into cash flow scores and insights.
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Pave(opens external site)
Cash-flow analytics and scores for consumer and small-business credit risk, built from transaction-level data.
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Ntropy(opens external site)
Transaction enrichment API that standardizes and categorizes bank data.
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Bankuity(opens external site)
Banking verification technology that augments bureau and bank data with real-time consumer insights for credit decisions.
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Lokyata(opens external site)
Loan-decisioning platform for consumer installment lenders combining lead screening, cash-flow underwriting, and decision rules.
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SOLO(opens external site)
Bank-backed network for reusable identity, fraud, and financial-assessment data, covering KYC, KYB, and monitoring.
Decisioning & risk
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Taktile(opens external site)
Decision platform for financial institutions covering onboarding, credit underwriting, fraud, and AML case management.
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Oscilar(opens external site)
Risk platform using AI agents and configurable workflows for fraud, credit, onboarding, and AML decisioning.
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GDS Link(opens external site)
Credit-risk decisioning and analytics platform spanning origination, account management, collections, and compliance.
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LendAPI(opens external site)
Lending infrastructure for launching and operating credit products, automating work from application through closing.
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DigiFi(opens external site)
Digital origination platform combining loan origination, decisioning, applicant portals, and no-code configuration.
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Tekambi(opens external site)
Lead-management, underwriting, and decisioning software with configurable risk rules and third-party data.
Credit data
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Experian(opens external site)
Consumer and business credit bureau data and analytics.
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Bloom Credit(opens external site)
Credit data infrastructure with tri-bureau access, credit reporting, and furnishing tools for underwriting.
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CRS Credit(opens external site)
Credit data as a service: API access to bureau reports plus public-record and alternative data for lending and screening.
Loan origination & servicing
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LoanPro(opens external site)
API-first lending and credit platform combining a lending core with origination, payments, collections, and servicing.
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Bryt Software(opens external site)
Cloud loan-management system centralizing servicing, payment tracking, borrower communication, and portfolio reporting.
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TaskSuite(opens external site)
Loan origination and servicing platform with AI agents that automate underwriting, servicing, and portfolio workflows.
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Answers Etc.(opens external site)
Maker of Tier3, an online lending and loan-management system for storefront and internet lenders.
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LendFoundry(opens external site)
Cloud digital lending platform covering application intake, underwriting, borrower portals, payments, and analytics.
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ABLE Platform(opens external site)
Composable end-to-end lending software for origination, loan management, credit scoring, and collections.
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Timvero(opens external site)
Configurable loan-management platform where lenders assemble origination, servicing, collections, and analytics modules.
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LoanWell(opens external site)
Automated lending and grant technology for community lenders, from borrower intake through servicing.
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DownHome Solutions(opens external site)
Loan origination, servicing, and portfolio software built for community and nonprofit lenders.
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Lenderfit(opens external site)
Loan origination and servicing software for CDFIs and mission-driven lenders, with document and pipeline management.
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Spark(opens external site)
SaaS loan-origination platform serving banks, SBA lenders, and mission-driven lenders.
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SparkLMS(opens external site)
Cloud loan-management platform automating origination, servicing, collections, compliance, and portfolio management.
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Canopy Servicing(opens external site)
Loan-management system for commercial lenders, focused on servicing, ledger management, and workflow automation.
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Totality LMS(opens external site)
Loan-management platform automating engagement, contract execution, funding, collections, and reporting.
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TurnKey Lender(opens external site)
Loan-management software for origination, underwriting, servicing, collections, and reporting with no-code configuration.
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Common Goals(opens external site)
Loan-management and origination tools for lending agencies, nonprofit organizations, and non-traditional lenders.
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Nortridge(opens external site)
Loan-management software with configurable workflows, covering application through servicing and payoff.
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Margill(opens external site)
Loan-servicing and interest-calculation software handling amortization and complex interest scenarios.
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EPIC Loan Systems(opens external site)
Configurable loan-management software supporting origination, servicing, collections, payments, and reporting.
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Infinity LMS(opens external site)
Loan-management software for short-term and alternative lenders, from origination through collections.
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Hypercore(opens external site)
Loan-management platform for private-credit and specialty lenders, with pipeline, servicing, and funding tracking.
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LendingWise(opens external site)
Lending platform for private and commercial lenders combining CRM, loan origination, and servicing.
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DEFI Solutions(opens external site)
End-to-end lending software for auto and consumer finance, covering origination, decisioning, servicing, and collections.
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Peach Finance(opens external site)
Lending backend covering post-origination functions: servicing, billing, borrower portals, communications, and compliance.
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Kinective(opens external site)
Banking platform connecting systems and data for banks and credit unions, including document workflow and branch automation.
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Feathery(opens external site)
Workflow platform for financial-services teams automating onboarding and underwriting intake.
Payments
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ACHQ(opens external site)
ACH and eCheck payment processing supporting one-time and recurring bank payments with account verification.
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LoanPaymentPro(opens external site)
Payment-acceptance platform for lenders combining bankcard, ACH, real-time payments, and verification.
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REPAY(opens external site)
Integrated payment technology for accepting and making payments; Payix now operates under the REPAY brand.
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Dwolla(opens external site)
Bank-payment infrastructure spanning ACH and real-time rails, supporting disbursements and repayments.
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Actum(opens external site)
ACH payment processing with real-time and same-day payments, recurring transactions, and account verification.
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Payliance(opens external site)
Payments, verification, and recovery suite covering ACH, cards, real-time payments, and checks.
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Usio(opens external site)
Payments platform spanning embedded payments, ACH, card processing and issuing, disbursements, and bill print and mail.
Documents & e-sign
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DocuSign(opens external site)
Electronic signature and agreement management platform.
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OpenSign(opens external site)
Open-source PDF electronic-signature platform with document storage, collaboration, and completion certificates.
Vendors are listed to describe the ecosystem small business lenders operate in. A listing is not a partnership, an integration claim, or an endorsement in either direction.
What does your stack look like?
Tell us which tools your team relies on and where the workflow gets stuck. We're looking for a select group of lenders to shape early access.
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