Circleback Lending Review

By: Top 10 Best Business Loans Staff

Service Profile

Circleback Lending itself is the lender, but the loans are fulfilled by County Bank of Rehoboth Beach. All financial products delivered by the Delaware bank are available from $3,001 and up to $35,000; at low fixed rates and on repayment terms of up to 60 months. APR varies depending on your credit grade, but will fall between 5.96% and 36.00%. It’s easy to check your rate and apply online, right through the homepage of Circleback’s website. 

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Business Loan Features

  • Up to 60 months repayment length
  • $3,001 to $35,000 limit
  • 5.96% - 36.00% APR
  • No minimum credit score
  • Approval within minutes
  • Funding paid next day
  • No prepayment penalties
  • No teaser rates or hidden fees


Loan Application Information and Requirements

To qualify for a Circleback Lending loan; you must be over 18, a registered U.S citizen and live in a state where online loans are legal. The information that you need to provide during your application includes credit history, employment details, bank statements, personal details and more. As for faxing documents and providing copies, this entirely depends on your circumstances and you will be prompted during your application. Investors may ask for additional information before they commit to your loan. 

The application itself is entirely online and is secured by Circleback Lending’s Symantec security. This SSL encryption on the website guarantees that your data is 100% safe from leaks and capture, so don’t worry about providing your social security number and payroll numbers etc.

Repayment Terms

If you have ‘Excellent’ credit history, then you can expect to be paying less than 7% in APR; but if your credit isn’t that great then be prepared for upwards of 30.00%. You can choose to pay back your loan over 36 months or 60 months. It’s also worth mentioning that APR isn’t the only rate to consider, but also a small origination fee and the potential late payment penalties. There is no charge for clearing your loans early. 

Help & Support

You can get in contact with Circleback Lending via e-mail, Facebook or Twitter. We used e-mail during this review and we had our query resolved on the same day, by a very prompt and knowledgeable sales representative. The ‘Help’ section on the website features a ‘Help Desk is coming soon’ message, so we’re expecting improvements on the current model.


Though still young in the industry, Circleback Lending is making a name for itself as one of the easiest-to-use business loans providers. With low rates available as rewards for those with good credit; and loans still offered to those with poor credit, Circleback is available to almost every business out there. We’re confident that Circleback is going to be around for a while and is only going to get bigger; considering the huge popularity of peer-to-peer online lending. 

So if you’re looking for a loan to help your business in holding capital, equipment purchase, commercial real estate or anything else; you’d do well to check out Circleback Lending.

Company Profile

Founded in 2012, Circleback Lending is an entirely online lending platform. Offering a multitude of loan types, backed by investors in a peer-to-peer model; Circleback is making big waves considering its youth in the industry. 

This Boca Raton lender has already earned praise from a satisfied customer base and financial publications; including Reuters, Bloomberg, Financial Times and MarketWatch. Lauded for its ease-of-use and low rates that are common advantages of an internet-based lender, Circleback Lending’s business loans are becoming some of the most popular on the market.

Physical Address

2500 Military Trail, Suite 130

Boca Raton, Florida 33431


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