Why CircumFi
Business owners can choose different paths to obtain
lending.
Why We’re Different – Flat Fee-Only Custom Loan Planning
There is a clear difference between lending paths. Let’s
break it down.
Go with an online lender.
This is the wild west of business lending. No regulations, no recourse, no
scruples. That means they can structure
loan agreements in a way that appear acceptable at first glance but cost you
significantly more in reality. Expect to
pay anywhere from 10-39%, plus up-front fees.
No interest savings from paying loans back early. Brutal repayment terms. Fast money comes at the cost of your margins. A true last resort option.
Ask your bank and go it alone.
This works for a small percentage of business owners.
For most of us, we don’t have the expertise to recognize a time-waster, an
over-promiser, or a good deal from a just-ok deal from a why-did-I-take-this
deal. Remember, the banker works for the bank, not you.
Flat Fee-Only Custom Loan Planning.
Here’s where CircumFi is different. We are only
compensated by you. No conflict of
interest. No side commissions. No lender kickbacks. No incentive to hustle on to the next. Your
custom lending plan is objective, direct, actionable, and free of outside
influence. Our responsibilities place your interests ahead of ours. We could have taken the broker route, but we
trust you to act on your plan.
Business owners can choose different paths to obtain lending.
Why We’re Different – Fee-Only Custom Loan Planning
There is a clear difference between lending paths. Let’s break it down.
Go with an online lender.
This is the wild west of business lending. No regulations, no recourse, no scruples. That means they can structure loan agreements in a way that appear acceptable at first glance but cost you significantly more in reality. Expect to pay anywhere from 10-39%, plus up-front fees. No interest savings from paying loans back early. Brutal repayment terms. It might be faster and easier, but at what cost? A true last resort option.
Ask your bank and go it alone.
This works for a small percentage of business owners. For most of us, we don’t have the expertise to recognize a time-waster, an over-promiser, or a good deal from a just-ok deal from a why-did-I-take-this deal. Remember, the banker works for the bank, not you.
Fee-Only Custom Loan Planning.
Here’s where CircumFi is different. We are only compensated by you. No conflict of interest. No side commissions. No lender kickbacks. No incentive to hustle on to the next. Your custom lending plan is objective, direct, actionable, and free of outside influence. Our responsibilities place your interests first.
Our Team
We are a collection of bankers and dreamers, lenders and lovers, underwriters and underwear wearers (mostly). In short, regular people. Regular people who, over a career in business, banking, and lending, have developed a passion for supporting the entrepreneurial spirit of the American business owner.
What does that mean for you? Well, we love what you do. We want you to succeed. More than that, we want to be a tiny part of that success. If our advice and actions help you create a new job, win another customer, expand your services, open another location… well, that’s a good day at the home office for us.
Sean saw a problem.
What’s the problem, you might ask? Business
lending. The experience, cost, and wasted time business owners
face when going for business lending. The mix of slow, confusing,
deliberately secretive banking lending vs. the fast, outrageously priced, often
predatory online lending space. .
So what’s a seasoned and idealistic lending pro to
do? Democratize the information! All that secretive bank process and pricing,
the wild west alternative lender “consultant” referral fee dynamic – blow it
up. Give the people the knowledge they
need and a reasonable option.
And that’s what he did, before CircumFi. Sean started having honest and open
conversations with business owners about their real options, what they should
expect to pay, how long it might realistically take. And, to the chagrin of the corporate types,
the owners took the advice and found great deals on lending! Who would have thought that if you give an
entrepreneur the info they need to make an informed and practical decision,
they’d choose wisely? Oh, and save a ton
of time, money, and effort in the process.
And that brings us to today, to CircumFi. A small business run by a group of idealistic
lending pros on a mission to help you (fellow small biz owner) Save Money Time
and Grow!
A new Approach
Flat Fee-Only Custom Loan Planning.
Here’s where CircumFi is different. We are only
compensated by you. No conflict of
interest. No side commissions. No lender kickbacks. No incentive to hustle on to the next. Your
custom lending plan is objective, direct, actionable, and free of outside
influence. Our responsibilities place your interests ahead of ours. We could have taken the broker route, but we
trust you to act on your plan.
Fee-Only Custom Loan Planning.
Here’s where CircumFi is different. We are only compensated by you. No conflict of interest. No side commissions. No lender kickbacks. No incentive to hustle on to the next. Your custom lending plan is objective, direct, actionable, and free of outside influence. Our responsibilities place your interests ahead of ours. Take action on your plan, or let us run your search!
What's next for CircumFi
We dream big. We want
to help business owners, families, individuals, anyone, everyone… help people save
time money and grow. How? By democratizing financial information,
thereby demystifying business AND consumer finances. Need to understand the mortgage industry before
you buy that first (or second) home, or need to better understand why your
personal credit score changes, or want to know how car dealerships offer you
loan rates, or how to save money on student loans? As we build out our team, we plan on continuing
to offer free (and sometimes customized) resources and advice. Happy with our business lending services and
have other questions about your finances?
Shoot us an email or give us a call and I bet we can help!
We dream big. We want to help business owners, families, individuals, anyone, everyone… help people save time money and grow. How? By democratizing financial information, thereby demystifying business AND consumer finances. Need to understand the mortgage industry before you buy that first (or second) home, or need to better understand why your personal credit score changes, or want to know how car dealerships offer you loan rates, or how to save money on student loans? As we build out our team, we plan on continuing to offer free (and sometimes customized) resources and advice. Happy with our business lending services and have other questions about your finances? Shoot us an email or give us a call and I bet we can help!
What our clients have to say
