Your Seat at the Table.Here's How to Claim It.
Everyday investors. Real businesses. Things you need to know before you invest.
The Gap Ends Here.
Over $6 trillion sits in U.S. bank accounts earning minimal returns, while small businesses face a $1.3 trillion annual funding gap.
crcle connects everyday investors directly to local small businesses through SEC-regulated crowdfunding.
Dormant Capital in U.S. Bank Accounts
*Source: Federal Reserve
Annual Small Business Funding Gap
*Source: SBA Small Business Credit Survey
The crcle Bond.A Structured Way to Investin Main Street.
Understanding the instrument is the first step to investing with confidence.
01 — What it is
A Debt Security.
A crcle Bond is a debt security offered under SEC Regulation Crowdfunding (Reg CF). When you invest, you are lending money directly to a small business. In return, they agree to pay you back with interest over a defined term. All terms are disclosed upfront before you commit a single dollar. Transparency is our main objective.
02 — How you get paid
Fixed Terms. Scheduled Payments.
Each crcle Bond has a fixed interest rate and a set term length established at the time of the offering. If the business meets its full obligations, you will receive scheduled monthly payments. All payment terms are outlined in the official SEC-filed offering documents, available for your review before you invest.
03 — Why it's different
An Alternative Asset. On Your Terms.
For decades, small business lending was reserved for banks and institutional investors. The crcle Bond is an alternative investment that gives everyday investors direct access to local business debt, starting at just $20. This is not a savings account. It's not a stock. It's a new kind of investment built for a new kind of investor.
Four Steps.Real Impact.
Join the Movement
Create your account. Get approved. Get ready.
Create your account and complete our onboarding process. Once approved, you'll gain full access to browse and invest in crcle Bond offerings from U.S. small businesses.
Find a Business Worth Believing In
Every offering filed with the SEC. Every document at your fingertips.
Browse SEC-filed crcle Bond offerings from U.S. small businesses. Each listing gives you everything you need to conduct your own due diligence before making a decision.
Back the Business. Own the Bond.
Starting at just $20. No Wall Street gatekeepers.
When you're ready, invest in a crcle Bond starting at $20. Select your investment amount, review the final terms, and confirm. Your investment is held in escrow until the offering reaches its funding goal.
Manage Your Investments
Your portfolio. Your community. Your dashboard.
Track every crcle Bond in your investor dashboard. Monitor scheduled payments, review business updates, and manage your portfolio — all in one place. You backed them, now stay connected to their journey.
Simple. Transparent.Accessible.
Exactly how your money moves. From your bank to your crcle Bond and back.
Funding Your Account
Link your bank account via ACH to enable investments in available crcle Bond offerings. Transfers are processed through our designated payment and escrow partner. Depending on your financial institution, the process can take 1-3 business days to complete.
When You Invest
When you commit to a crcle Bond, your investment is transferred to a third-party escrow account in accordance with Regulation Crowdfunding requirements. Funds remain in escrow until the offering either reaches its funding target or is otherwise closed in accordance with its terms.
Receiving Payments
If an offering successfully closes and the crcle bond is issued, payments are made according to the terms described in the offering documents. Payments are processed through designated payment providers and made available for withdrawal to your linked bank account.
Withdrawing Funds
Funds that are not committed to an active investment may be withdrawn to your linked bank account at any time, subject to your financial institution and standard processing timelines.
Mini-Bond Risk Summary
Understanding the key risks before you invest
Interest-Rate Risk
Changes in market interest rates can affect the value of your bond investment. When rates rise, existing bond values typically fall, and vice versa.
Credit/Default Risk
The issuing business may be unable to make scheduled interest payments or repay the principal. This could result in partial or total loss of your investment.
Inflation Risk
Rising inflation can erode the purchasing power of your returns. The real value of fixed interest payments decreases when inflation rises above expected levels.
Risk Disclosure
crcle-bonds carry risks including issuer default, interest-rate fluctuations, and inflation reducing real returns. Investors should review offering documents before investing.
Frequently Asked Questions
Everything you need to know about investing and raising capital on crcle