• We help entrepreneurs maximize their odds to obtain low cost business lending, primarily from banks and credit unions (which offer the best interest rates and terms). Expect to receive custom guidance on your best options, what to prepare, what to ask, and how to navigate the lending process. In short, we help entrepreneurs save money and time getting funds to grow their business.

We are lifelong learners with vast lending networks and take pride in our ability to create actionable lending plans to just about any industry.  Specifically, we have direct experience lending to breweries and distilleries, wholesalers, distributors, Internet/e-commerce (sellers on Amazon, eBay, Walmart, direct to consumer), distance education/e-learning, real estate, medical, dental and veterinary practices, related healthcare services, trucking and logistics, manufacturing, residential and commercial contractors, retail, food service, insurance agencies, professional services (law, accountant, engineering, architects, marketing, consultants), and a partridge in a pear tree. That said, we believe that the value we bring to the table is an understanding of what banks need to see in a potential borrower.

We’ll immediately know if we can help after an initial 10-15min one on one conversation with you.  As lending industry experts we know when a business is best suited to gain maximum money saving value from our services, and we’ll let you know right away.  If we don’t think we can help you’ll already have valuable feedback, and that’s 10minutes of your time well spent!

When you take out a loan or line of credit you are effectively entering into a contract.  This contract specifies how much money you’re going to pay over time, what fees are built in, what terms and conditions you need to meet, whether your first born is included as collateral, and if it costs you money just to leave your contract early.  You can enter into a contact on your own.  You might use contracts in your industry regularly.  And that makes sense, because you are a pro at what you do. 

But how many business loan agreements have you signed?  That’s what we’re experts in, and we can provide our expertise to you to ensure you’re getting a great deal – a low rate, reasonable terms, and no surprises.

In a nutshell, we will help you save time & money.  Even 1% off your loan rate saves literal thousands of dollars.  We’d rather you spend a small fraction of those interest payments on us up front then fork the whole thing over to a bank.

Sure we can.  While we love our Flagship Efficient Capital Accelerator program and trust you to take action and get it done, we understand sometimes you just don’t have the time.  But, this is capitalism, and if that’s what the market dictates…

Sign up for our White Glove program.  We’ll engage your CPA, bookkeeper, CFO, and local banks.  We’ll take the Action Plan steps on your behalf (as much as possible) and find you a great lending option, and we’ll do it for SIGNIFICANTLY less than your typical “broker”. 

We do not.  Lots of other services do, but THEY DON’T WORK FOR YOU.  Remember, if it costs you nothing, you’re the product.

We work for you and only you.  That means turning down lucrative lending affiliate offers so that we stay neutral.  Nobody else pays us, so you know you are getting advice that is 100% in your best interest.  We have ZERO incentive to point you in one direction over another.

Your circumstances are unique, so each engagement may vary slightly . However, some fairly common steps include the following:

• Initial discussion to understand what you are looking to accomplish, what you’ve tried so far, and relevant basic business and ownership info.  This is the “See if we’re a good fit” phase and should only take 10-15minutes.
• You provide financials and ownership details for our internal review.  These will vary based on your circumstances, and may include:
  • Tax returns (biz and personal, depending on your need), 3 months bank statements, P&L, balance sheet, AR/AP aging detailed report, basic credit info (credit Karma is free and great), biz credit report
• Email/text to clarify details, ask for more info as needed
• One on One consultation to talk through your options, answer all your current questions, and talk through your Action Plan.  Coach you on the best way to vet a lender, talk through what questions to ask, and how to stay on top of process
• Depending on your selected service, we run spreads, and provide your doc prep checklist
• Provide ongoing support, including addressing any items that come up in the lending process that you find confusing

Of course not.  You can decide not to take any action.  You can decide to buy a boat the week before applying for a loan.  You could stop paying your mortgage.  A zombie apocalypse might upend our best laid plans.

What we can guarantee is that if major, insurmountable red flags show up doing our consultation and review of your financials, we will let you know and REFUND YOUR SERVICE FEE.  We’re here for wins and word of mouth advertising (so refer a friend, ok?!) , and a few hundred bucks doesn’t help us sleep better at night.

Most importantly?  They work.  At a time when less than 20% of businesses received the funding they needed our clients are finding success.  Each action plan is tailored to reflect your specific circumstances (the Circum in CircumFi), providing maximum efficiency in your quest for capital.

We disappear like Keyser Soze.  Kidding. We’ll remain available, at no extra charge, to answer follow-up questions, provide advice, and to make minor changes as needed.

Happy to sign off.  In fact, we prefer a mutual NDA to protect our many secrets.

Whenever you anticipate a lending need.  No time is too soon.  Like most things in life, the earlier and better you prepare the more likely you are to achieve a positive outcome. 

Since we work for you, you tell us what you are looking to accomplish and in what time frame, and we will give you realistic options.  Sometimes speed costs more (meaning higher interest rate/fee), and that’s ok!  If you need $100k next week to make $130k, you do that all day, right?  Even if it costs you $10k, you’re up $20k.  You get basic maths.

We are all experienced business lending, bankers, underwriters, and/or business owners.  We’ve completed countless business lending trainings and accrued certifications.  Mostly, we get it done for our clients and love to see clients accelerate business growth, and that counts for a lot.

Thanks a lot, Google!

So glad you asked!   Our founder, Sean, is a family man first.  Taking the first letter of each family member in age order, we get SERKM.  Well, how would you pronounce SERKM?  Circum is a fun & versatile prefix.  Do yourself a quick favor and google circum root wood (or check this out).  We want to circumvent the banking bureaucracy, serving circumspect business owners by providing actionable, time & money saving advice based on your specific circumstances.  And Fi?  Pretty straightforward.  Short for Finance, because we act fast unlike those stuffy and slow moving corporate consultant or behemoth banker types.