Stop paying banks 7-8% interest on loans while they pay you less than 1% on savings. Join trusted circles, build your scoring history, and get rewarded for good behavior with better rates and long-term benefits.
Join or create investment circles to pool resources and invest collectively in real estate, businesses, and more.
Monitor investments, ownership, returns, and performance all in one place with real-time updates.
Easily raise money for community events, support members during life events, and track contributions transparently.
Bank-level security with KYC verification and full compliance tracking for peace of mind.
Access your circles from web, Android, or iOS. Your data syncs seamlessly across all devices.
Track performance, generate statements, and make informed decisions with comprehensive reporting tools.
Discover vetted investment opportunities from businesses seeking capital. Browse equity and debt deals, express interest, and invest through your circle.
Businesses can manage their accounts, receive investments, make withdrawals, and track all transactions securely on the platform.
Circles can pool funds to purchase businesses together - gas stations, restaurants, retail stores - with full operational tracking and profit sharing.
Your circles amplify your trust. Belonging to multiple well-funded circles creates a powerful community endorsement score. Your network becomes your credibility—each circle membership is a vote of confidence that amplifies your capital power.
When you belong to multiple circles, especially large, well-funded ones, you're not just pooling capital—you're building community trust that amplifies your individual power.
Alone, you have limited borrowing power and trust signals.
Together, you can access larger deals and better opportunities.
Multiple circles = amplified trust, credibility, and capital access.
When you need a loan, your Circles Score shows your individual trustworthiness. But your Community Endorsement Score shows how trusted you are by your communities. Belonging to 3 well-funded circles with $1M+ combined capital? That's a powerful signal. You get better rates, larger loan amounts, and faster approvals.
Individual: $50k capital = limited opportunities. Circle: $500k capital = access to real estate, businesses, larger investments. Multiple circles: $1.5M+ network = access to premium deals, syndications, and exclusive opportunities.
Member of a 50-person circle? That's 50 people who know and trust you. Member of 3 circles? That's 150+ people in your network. Your network becomes your credibility. Each circle membership is a vote of confidence that compounds.
Earn badges like "Well-Connected" (4+ circles), "Financially Strong" ($1M+ combined capital), "Circle Leader" (Admin role), and "Established" (24+ months). These badges are visible to potential lenders and partners, showing your community trust at a glance.
Sarah belongs to 3 circles: Tech Investors ($850k), Real Estate Circle ($620k), and Family Circle ($180k). Her individual Circles Score is 720 (Excellent). Her Community Endorsement Score is 165/200. Combined, she has a trust score of 885/1050—amplified by her community connections. When she needs a loan, lenders see not just her individual trustworthiness, but the trust of 3 communities backing her.
Start building your community endorsement today. Create or join circles, pool capital, and watch your trust amplify.
Pool money with your trusted circle to buy rental properties, invest in businesses, or acquire other assets. Track ownership percentages, returns, and distributions transparently.
When a member has a baby, your circle can easily raise money to send as a welcome gift. Track contributions, see who's contributed, and send the funds securely.
When someone passes away, your circle can quickly raise money to help with funeral expenses and support the bereaved family. Every contribution is tracked and transparent.
Support members' educational goals, business ventures, or personal development through transparent, tracked contributions.
Help families avoid payday loans. When temporary family issues hit, your circle can provide fair salary advances at 8-12% interest instead of 300-400% from payday lenders. Every repayment builds history and trust.
Discover and invest in businesses seeking capital through our marketplace. Browse verified opportunities, express interest, and execute deals seamlessly.
Amplify your capital power through community trust. Belonging to multiple well-funded circles creates a powerful endorsement score. Your network becomes your credibility—each circle membership amplifies your trust and access to better opportunities.
Pool capital with your circle to purchase and operate businesses together. Track revenue, expenses, and distribute profits transparently.
Banks charge you 7-8% on loans and mortgages, but pay you less than 1% on savings. On a $400K mortgage, you'll pay $280K in interest before building real equity.
Join trusted circles, build your scoring history, and get rewarded for good behavior with better rates and long-term benefits.
See how much you could save by pooling with your Circle instead of using traditional banking
Your money and data are protected with enterprise-grade security
All data encrypted in transit and at rest
All members verified with identity checks
Licensed payment processor, PCI compliant
Every transaction logged and traceable
Enterprise security standards
Optional 2FA for extra security
We never touch your money. All payments are processed directly through Stripe, a licensed and regulated payment processor trusted by millions of businesses worldwide. Your funds are held securely in FDIC-insured accounts.
See why thousands are choosing Circles over traditional financial institutions
Start your own trust circle or join an existing one using an invite code. Set approval requirements to control membership.
Members contribute capital to the circle. All contributions are tracked transparently with real-time balance updates.
Propose deals, investments, or support initiatives. Members vote, and decisions are tracked in your circle's history.
Monitor performance, view statements, track ownership, and see how your pooled capital grows over time.
See how real circles are building wealth and supporting their communities
LECDA USA Circle helped Sarah pay off her $400K mortgage 15 years early, saving $120,000 in interest. The circle pooled $320K and structured the deal with transparent tracking.
VETSTAR FC pooled $500K to purchase a gas station. After 5 years of operation, they sold for $600K, generating $100K profit per member on a $50K investment.
Tech Investment Circle started with $10K per member. Through strategic investments in real estate and startups, they've grown to a $75K portfolio in 3 years - a 650% return.
Circles is transforming how communities access capital and build wealth. We're building the infrastructure for the future of community finance.
$2.5T+ in community lending and investment clubs. We're digitizing a massive offline market.
Each new circle adds value to the network. Community endorsement creates powerful moats.
98% satisfaction rate, 250+ active circles, $45M+ in capital pooled organically.
Built on Firebase and Stripe - proven infrastructure that scales to millions of users.
Everything you need to know about Circles
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