Terms of Service
Last updated: April 2026
Agreement to Terms
By accessing or using the FundedIn24 website and services, operated by Circular Payments, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you may not use our services.
Circular Payments is the registered trade name (doing business as) under which the operating entity provides funding. The full legal name, mailing address, and tax identification number of the operating entity are disclosed in your signed funding agreement (Future Receivables Purchase Agreement) prior to any disbursement.
Services Description
FundedIn24, a service of Circular Payments, provides merchant cash advances, which constitute a purchase of future receivables. Our products are not loans. The terms of any funding agreement will be provided in a separate merchant agreement.
State-Specific Commercial Financing Disclosures
Several states have enacted commercial financing disclosure laws that require providers of merchant cash advances to deliver standardized disclosures to applicants prior to execution of a funding agreement. Where applicable, Circular Payments delivers all disclosures required by state law as part of the application and offer process, separately from these Terms of Service. These disclosures are presented in the merchant's offer documents and signed funding agreement (Future Receivables Purchase Agreement) and include items required by the applicable statute, such as total amount of financing, finance charge, estimated annualized cost of capital, payment amount and frequency, and prepayment terms.
If your business is located in any of the following states, your funding offer will include the disclosures required by that state's commercial financing disclosure law:
- California
- New York
- Utah
- Florida
- Virginia
State-specific disclosures form part of your transaction record. They supplement, but do not modify, the terms of these Terms of Service or your funding agreement. If you have questions about the disclosures applicable to your state, contact us at legal@circularpayments.com.
Eligibility
To be eligible for funding through FundedIn24, you must be a business owner operating in the United States, have been in business for at least 3 months, and process a minimum of $10,000 per month in credit card transactions.
Third-Party Services
Our application uses Plaid Inc. (“Plaid”) to securely connect to your bank account. By using our services and linking your bank account, you authorize Plaid to access your financial data on our behalf for the purpose of evaluating your funding application. Your use of Plaid is also subject to the Plaid End User Privacy Policy.
Disclaimer
The information on this website is for general informational purposes only. Approval and funding amounts are subject to review and verification of all submitted information. Past performance does not guarantee future results.
Limitation of Liability
FundedIn24 and Circular Payments shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services.
Contact
For questions about these Terms, contact us at legal@circularpayments.com.