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.
Start Building Your Community EndorsementIn traditional finance, you're judged by your individual credit score. In Circles, you're judged by your individual score plus the trust of your communities. Belonging to multiple circles is like having multiple references—each one amplifies your credibility.
Individual trust only. No community context.
Individual trust amplified by community endorsement.
Belong to 3 circles? That's 3 communities trusting you. Each circle membership is a vote of confidence. The more circles you're in, the stronger your community endorsement.
Your Community Endorsement Score (0-200) is calculated from: Circle count, circle sizes, combined capital, circle health, your tenure, and your role. Large, well-funded, healthy circles = higher score.
When you need a loan or want to invest, lenders see: Your Circles Score (individual trust) + Community Endorsement Score (community trust) = Combined Trust Score. This amplified score gives you better rates, larger amounts, and faster approvals.
Earn badges like "Well-Connected" (4+ circles), "Financially Strong" ($1M+ combined capital), "Circle Leader" (Admin), and "Established" (24+ months). These badges are visible to potential lenders and partners, showing your community trust at a glance.
Member of 3 circles, seeking a $25,000 loan
Individual trustworthiness: Sarah has an excellent Circles Score based on her payment history, contributions, and account activity. This shows she's trustworthy as an individual.
Community trust: Sarah belongs to 3 well-funded, healthy circles. She's an admin in one, showing leadership trust. Her community endorsement score of 165/200 reflects that 3 communities trust her, with $1.65M combined capital backing her.
When Sarah requests a $25,000 loan, potential lenders see:
✅ Individual trust: 720 Circles Score (Excellent) - shows she's personally trustworthy
✅ Community trust: 165 Community Score - shows 3 communities trust her, with $1.65M combined capital
✅ Combined power: 885/1050 - amplified credibility that gets her better rates, larger amounts, and faster approvals
Result: Sarah gets approved for $25,000 at 9% interest (vs 12% without community endorsement),
because lenders see not just her individual trustworthiness, but the trust of 3 communities backing her.
Creating circles isn't just about pooling money—it's about building community trust that amplifies everyone's power.
Individual: $50k capital = limited to small deals
Circle: $500k pooled capital = access to real estate, businesses, larger investments
Multiple Circles: $1.5M+ network = access to premium deals, syndications, exclusive opportunities
Alone, you can't afford a $400k rental property. With 10 friends pooling $40k each, you can. With 3 circles, you can access $1M+ deals through syndications.
Every circle you create or join adds to your community endorsement. Large, well-funded, healthy circles = higher community score = better loan terms, larger amounts, faster approvals.
Create a circle with 20 members, pool $200k. Your community score increases. Join 2 more circles. Now you have 3 circles, $600k+ combined capital, 165+ community score. When you need a loan, lenders see amplified trust.
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.
When you apply for a loan, the lender sees: "Member of 3 circles, 89 total members, $1.65M combined capital." That's not just your trust—that's the trust of 89 people backing you.
Build your reputation through community participation. Earn badges that are visible to lenders and partners:
Create your first circle, invite trusted members, and start building your community endorsement. Every circle you join amplifies your trust and access to better opportunities.