Changing the world one small business at a time.

Join the circle!

What the Circle is saying

Working with Higher Circle was a great surprise for us.  Applying for funding was very simple and clear.
Dulce Martinez, Borrower
Higher Circle is an amazing idea that is enabling entrepreneurs around the globe to realize their dreams.
Neil Donahue, Lender
This is revolutionary.
Everyone should know about this.
I love it!!
Deanne LaRue

A Higher Circle Story

Higher Circle has a unique model designed to capture an untapped segment of the global lending marketplace.
The Higher Circle model.

Past Projects

Fábrica Social, Mexico
Mexico City, Mexico
Apparel / Accessories / Textiles
Empowering indigenous women artisans through design and fair trade

The Circle

Souley Vegan
Oakland, CA
Hotels / Restaurants / Caterers
Oakland soul food restaurant aims to inspire healthy choices with vegan Grab and Go fare.

The Circle

Accredited Investors

In order to make loan, you must be an accredited investor.

Under the Securities Act of 1933, a company that offers or sells its securities must register the securities with the SEC or find an exemption from the registration requirements. The Act provides companies with a number of exemptions. For some of the exemptions, such as rules 505 and 506 of Regulation D, a company may sell its securities to what are known as "accredited investors."

The federal securities laws define the term accredited investor in Rule 501 of Regulation D as:

  1. a bank, insurance company, registered investment company, business development company, or small business investment company;
  2. an employee benefit plan, within the meaning of the Employee Retirement Income Security Act, if a bank, insurance company, or registered investment adviser makes the investment decisions, or if the plan has total assets in excess of $5 million;
  3. a charitable organization, corporation, or partnership with assets exceeding $5 million;
  4. a director, executive officer, or general partner of the company selling the securities;
  5. a business in which all the equity owners are accredited investors;
  6. a natural person who has individual net worth, or joint net worth with the person’s spouse, that exceeds $1 million at the time of the purchase, excluding the value of the primary residence of such person;
  7. a natural person with income exceeding $200,000 in each of the two most recent years or joint income with a spouse exceeding $300,000 for those years and a reasonable expectation of the same income level in the current year; or
  8. a trust with assets in excess of $5 million, not formed to acquire the securities offered, whose purchases a sophisticated person makes.