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 across the loan life cycle, and move work forward faster.

Talk to us

What we build

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

Focused solutions for real lending problems.

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

  • 01

    Stale financial information

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

  • 02

    Disparate document sources

    Standardize information and reduce repetitive manual document reviews.

  • 03

    Lengthy review processes

    Analytics and underwriting insights that empower sound decision making.

  • 04

    Reacting to past-due payments

    Surface early warning signals and support proactive loss mitigation.

  • 05

    One-off borrower relationships

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

  • 06

    Portfolio reporting without action

    Replace overlapping reports with actionable dashboards.

  • 07

    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.

  • Proactive portfolio management

    Ongoing account visibility, streamlined dashboards, and early signals of both strain and strength.

  • 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? Proactive portfolio management, early intervention, repeat borrowing, and community impact tracking

Existing portfolio starting point

See what changed before a payment is late.

Many lenders first see borrower strain through a late or missed payment. Explore how available transaction history surfaces earlier trend evidence for a check-in and a lender-owned review—without pretending to make the decision.

Explore the portfolio monitoring example

Works alongside the tools you already use.

CircumFi is built to fit into your existing stack — bank data, decisioning, origination, servicing, payments, and documents — not to replace it. See the vendor landscape we design around.

Explore the ecosystem

Know what lending problem you want to solve?

Tell us where your workflow is getting stuck.

Talk to us