Raise money

Looking to Borrow Money for Your Business?

Are you an entrepreneur seeking funding for a new company, product, or service? Or are you looking for working capital to grow your existing business? Many promising plans fail to take off simply because banks are no longer willing to lend to businesses. Fortunately, there is a solid alternative: crowdfunding. At Capital Circle, we call this Online financing.

With online financing, you attract investors to put money into your business, product, or service. Both parties benefit: you receive the capital you need, and your investors earn a higher interest rate than they would from a bank. This makes online financing a simple and effective way to fund your business.

What Types of Loans Do We Offer?

In addition to standard annuity loans, Capital Circle also offers linear loans for entrepreneurs. When submitting a funding request, you may indicate your preferred loan structure. If desired, a temporary interest-only period can be included for both types of loans, during which only monthly interest is paid.

If material security is pledged against the loan — such as a mortgage registration — a balloon payment can also be added to the loan. The loan assessment will determine which structure and repayment capacity best suit your business plan and financing objectives.

Our goal is to offer entrepreneurs the most suitable loan structure while ensuring an appropriate risk-return ratio for investors.

Raising Capital for Your Business via Capital Circle

Capital Circle gives you, as an entrepreneur, the opportunity to raise capital for your business goals or growth ambitions through our platform. We connect entrepreneurs and investors via crowdfunding. By publishing your funding request online, you can raise your start-up capital and make your business dream a reality.

You can choose to present your project to all investors on the Capital Circle platform or offer it exclusively to a select group of potential investors via the Closed Crowd model.

Public Crowd

A project offered to the public crowd is accessible to all Capital Circle investors. When a new project goes live, all registered investors receive a notification by email. Investors who have completed onboarding can invest in the project immediately upon launch.

Closed Crowd

Alternatively, you may choose to present your project initially to a select group of investors. These may be specific individuals already registered with Capital Circle, or a handpicked group from your own network. They can view the project proposal, but must register and create an investor account before they can invest. As an entrepreneur, you may choose whether or not to display your project publicly on the platform.

What Can Capital Circle Do for My Business?

Capital Circle connects entrepreneurs and investors. By publishing your funding request online, you can gather the capital needed to bring your plans to life. Both private and professional investors can invest in your business through our platform. Once your target amount has been reached, you’re ready to launch!

How Quickly Can I Access the Required Funds?

Capital Circle has over 5,000 active investors, who have successfully financed more than 200 projects. Projects must be fully funded within 60 days. However, the current average funding time is just 10 days — meaning you can often get started very quickly.

Borrowing Money for Your Business: The Ground Rules

• You may apply for financing between €25,000 and €2,500,000.
• Our team of experts will assess your funding request based on the information you provide. Key considerations include:
• Is the risk-return ratio reasonable?
• Is the proposed repayment term realistic?
• Only well-substantiated applications will be accepted. You can review our acceptance policy [here].
• The repayment term must be between 6 and 120 months.

Looking for Investors? Get Started Today!

1. Create an account
2. Indicate what idea you’re seeking capital for. Submit a well-supported business plan along with your application.
3. You’ll receive a response from us within 2 working days.
4. Once accepted, your project will go live on our platform within 5 working days. We also provide practical marketing advice to help you present your plan effectively.
5. Investors are actively searching for profitable opportunities. Make sure to connect with them.

• Investors can invest from as little as €500.
• Payments are made via iDEAL or bank transfer to the Online Payment Foundation.
• The maximum listing period for a project is 60 days. If the target amount isn’t reached in time, all invested amounts will be refunded.

Costs for You as an Entrepreneur

• Creating an account is completely free.
• A one-time fee of €395 (excl. VAT) applies for the assessment of your funding request.
• If your application meets our acceptance criteria, we charge a publication fee of €350 (excl. VAT) to list your project. This gives you access to over 10,000 potential investors and associated parties connected to Capital Circle.
• If the target amount is reached, a one-time “Tailored” success fee starting from 2% of the disbursed amount applies (minimum €2,000). The exact fee depends on the final risk profile assigned to your project and is deducted from the disbursed funds.
• During the loan term, in addition to interest and/or repayments, monthly administrative fees of €0.25 per investor in your project will be charged.

We Handle the Administration for You

As an entrepreneur, you won’t have to worry about the admin. Capital Circle handles all administrative processes on your behalf. Through direct debit, you make timely monthly repayments to Online Payment Foundation, which then transfers the amounts to your investors.