The Story Behind Higher Circle

At Higher Circle our vision is to create a world where entrepreneurs have the resources to scale their businesses and to transform their communities. We are dedicated to serving emerging markets which so often go neglected, and hold so much opportunity for social and economic growth. We are a hard working, fun-loving team that is passionate about our mission to help these small and medium sized enterprises thrive and create positive change in their communities.

Meet the team

William Silva

Founder / CEO
William Silva / Founder and Chief Executive Officer William

William is the Founder/CEO of Higher Circle and has spent the past 20 years working in financial services in the US and abroad. His experience includes financial consulting, private equity, venture capital, and sales. William holds graduate degrees from the University of San Francisco and Stanford University.


Alessandro Giua

Latin America Business Development
Alesandro Giua / Latin America Business Development

For the last two decades Mr. Giua has worked as in an executive capacity and as a management consultant throughout Latin America and United States. Additionally, he has extensive experience assisting US based businesses to work in Latin America and to understand critical aspects of culture.


Nebojsa Zoric

Senior Software Engineer
Nebojsa Zoric / Senior Software Engineer

Nebojsa is an experienced and enthusiastic software engineer, who specializes in Ruby on Rails. He is the founder of Kolosek, a software development firm and has built numerous web applications across Europe and in the United States.


Gina Hyams

Communications & Marketing
Gina Hyams / Communications & Marketing

Gina is a writer, editor and communications consultant based in western Massachusetts. She has published 11 books on various mysterious and confounding subjects, ranging from pie to incense to extraterrestrial encounters. Her background also includes 15 years of experience doing marketing and public relations on behalf of nonprofit arts, education, environment and human services organizations. She has a B.A. in Creative Writing from San Francisco State University.


Kristen Galianni

Kristen Galianni / Marketing

Kristen has a decade and a half of executive level marketing experience. Her career has included everything from startups to Fortune 500 companies such as Oracle Software. Kristen's true passion is in building loyal communities of customers and followers for early stage technology companies.


The Board of Directors

Dave Lamp

Dave Lamp / Board of Director

Mr. Lamp is the Executive Vice President and Chief Operating Officer of the Holly Frontier Corp (NYSE-HFC), an independent petroleum refiner and marketer that produces high value light products such as gasoline, diesel fuel, jet fuel and other specialty products.


Ted Felix

Ted Felix / Board of Director

Ted M. Felix is a partner in the New York and South Florida offices of Schulman Lobel Wolfson Zand Abruzzo Katzen & Blackman, LLP (Schulman Lobel) where he practices in the litigation support area. Prior to joining Schulman Lobel he was managing partner in Lazar Levine & Felix LLP that merged into a large regional Mid Atlantic accounting firm. He was also a principal in Morrison Brown Argiz & Farrar. He has been and is presently engaged by attorneys and others as an expert in numerous forensic accounting and litigation support engagements. Prior to joining Lazar Levine & Felix LLP he held positions with several CPA firms. He also held the position of Director of the Quality Control Review Division of the American Institute of Certified Public Accountants.


Dr. John Kozarich

Dr. John Kozarich / Board of Director

Dr. Kozarich is the Chairman & President of ActivX Biosciences with over 20 years experience in academic and pharmaceutical research. He currently serves as the Chairman of the Board of Ligand Pharmaceuticals (NASDAQ-LGND), and serves as a director and advisor to a number of other pharmaceutical companies. Dr. Kozaric holds a Ph.D. from MIT, and was formerly a Professor of Pharmacology at the Yale University School of Medicine. He has authored over 125 primary scientific publications and holds three patents.


Accredited Investors

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

I Agree to One or All of the following:

  • Annual Income over $200,000
  • Annual Income combined with Spouse over $300,000
  • Net Worth with spouse over $1,000,000