Clarity and transparency into what already happens anyway, quite often informally. Between friends, investors and related companies. At interest or for free, your choice, but always clear and transparent.
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Every circle is a private space with its own members, rules and visibility. Pick the shape that fits.
One borrower, many lenders. Raise short-term funding from trusted friends, clients and investors, and keep every tranche, rate and repayment in order.
Shareholders lending to their company, or entities in a group lending to each other. Every loan is transparent and calculated for you, so there’s no need for Excel records. Your accountant gets an export from any view.
Many people lending to each other. A community that shares capital, with a clear record of who owes what to whom.
Simple records of loans and transactions. No more “wait, did I pay you back?”. Good accounts make good friends.
“Lend me 100k, big order incoming, I need to buy material. Back in a month.” You send it. Nobody wants to chase paper. Kapitl Circle keeps the same easy flow and adds the record.
No marketplace, no strangers. Clear rules, exact math and a trail you can point to.
Effective annual rate (EAR), ACT/365, accrued daily. Interest starts the day the borrower sends the principal.
A payment is final once both sides confirm it. The sending date from the borrower’s account is the source of truth.
Minimal, members or full ledger. Visibility is enforced on the server, and any increase is audited and announced.
USD, EUR and more. Balances are never added across currencies, and exchange rates are entered explicitly.
Set default terms as suggestions, or enforce them so rate and lock-up can’t be bent.
Every request, commitment, confirmation and reminder is emailed to the people involved and kept on record. Nothing gets lost.
Act as yourself, your company or your holding from a single login. Switch between entities, each with its own circles and loans.
Export from any view: total, per person, daily, weekly or monthly. Calculated figures your accountant can use directly.
A4 sheets with parties, IBANs, amounts, rate and terms, ready to print or archive.
A circle for your friends. Another for your investors. One more for your holding company, shareholders and related entities. Anyone can sign up and start their own. Joining someone else’s circle is by invitation only.
A borrower posts an amount, currencies and terms inside a circle.
Lenders commit their share. Partial acceptance is built in.
Once both sides confirm the principal, interest starts running.
Payment schedule, reminders and mutual confirmation until it’s settled.
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