Higher Circle is a secure peer-to-peer lending platform for emerging markets. We match lenders to credit-worthy entrepreneurs to create opportunities and change the world.

How it works

  1. Formal small to medium size enterprises (5-250 employees) in need of funding register at Higher Circle's lending platform and complete a loan application from the convenience of their home or office
  2. Higher Circle's team reviews the application. Once approved, Higher Circle will assign a credit rating and interest rate.
  3. Investors are able to invest in emerging market enterpreneurs, which have the ability to generate above avarage returns. These investments have the added benefit of helping to create jobs, raise living standards, and reduce poverty in local communities, regions, and countries.
  4. Loan amounts range from $2500-$50,000 USD

Key benefits

  • Convenient Application Process
  • Accessible Funding
  • Rates Lower Than Local Banks
  • Fixed Rates
  • Fixed Monthly Payments
  • No Prepayment Penalties
  • No hidden Fees
  • Fast Review
  • Above Avarage Rates of Return
  • Monthly Repayment of Principle and Interest
  • Make an investment in just seconds
  • Make Investments that are changing lives
  • Supporting the Entrepreneurial Spirit World-Wide
  • Readily Avaliable Customer Service
What We Fund
Higher Circle focuses on established small to medium-sized businesses (5 to 500 employees) in emerging markets that have a positive impact on their local communities through the sale or distribution of goods and services.
What We Do
Higher Circle is a market-place lending platform (aka peer-to-peer lending) that matches lenders to credit-worthy small to medium sized enterprises (SME’s) in emerging markets. Higher Circle’s platform allows lenders access to a new asset class with higher yields on their deposits. Lenders’ investments also create jobs, reduce poverty, raise living standards, and support innovation and entrepreneurialism in emerging economies. Borrowers are able to access below market rate loans that are convenient, transparent, secure and confidential.

Note: Due to U.S. Securities and Exchange Commission (SEC) regulations , you must be a registered Higher Circle accredited investor to participate in crowdfunding our loans at this time. We anticipate that in the coming months, we’ll be able to open loan funding participation to everyone—no matter their resources—after the Jumpstart Our Business Startups (JOBS) Act goes into effect.

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