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 and move work forward.

  • Data collection
  • Loan packaging
  • Underwriting insights
  • Portfolio monitoring
  • Default-risk management

Request Early Access

We’re creating tailored workflow solutions for a select group of lenders. Tell us where your operation is getting stuck, and we’ll see whether CircumFi may be a fit.

We’ll only use this to evaluate early-access interest.

We’ll use your information to evaluate early-access interest and contact you about CircumFi. We do not sell submitted information. Privacy.

Focused solutions for real lending problems.

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

Stale financial information

Turn transaction and financial data into more timely borrower insights.

Time-consuming loan packaging

Streamline document collection, data organization, and loan preparation.

Disconnected systems

Standardize information and reduce repetitive movement between tools.

Reactive default-risk management

Surface useful warning signals earlier and support proactive loss mitigation.

One-off borrower relationships

Identify strong candidates for renewals, additional products, and continued engagement.

Limited portfolio visibility

Replace repetitive reports with clearer dashboards and more useful signals.

Difficult impact measurement

Track outcomes such as jobs created, borrower growth, capital deployed, and portfolio performance.

These are representative use cases, not claims that every capability is currently a finished product.

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.

Portfolio monitoring

Ongoing visibility, useful dashboards, and early warning indicators.

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 the workflow, the data, and the lending problem you already have.

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
  • Supports underwriting, monitoring, risk, growth, and impact use cases
Sean Stewart, founder of CircumFi

Built by a lender and fintech operator.

Sean has spent two decades working across small business lending, credit, risk management, portfolio strategy, and financial technology.

He currently serves as Chief Credit Officer at GoodBread and has held roles with Bank of America, Citizens Bank, First Niagara Bank, HSBC, Chase, and BNY Mellon. His experience includes business and consumer lending, credit analysis, portfolio management, sales strategy, and financial technology selection.

Sean originally founded CircumFi to help small business owners find affordable financing through greater lender competition. Today, CircumFi is focused on niche business-lending use cases and a simple conviction: lenders should not have to buy an oversized platform to solve a focused workflow problem.

He has also served as a Founding Member of the Hudson Valley Venture Hub, a Westchester Angel, and Managing Member of Up Level Housing LLC.

Know what lending problem you want to solve?

Tell us where your workflow is getting stuck. We’re looking for a select group of lenders with focused, practical problems worth solving.

Request Early Access