Business finance for ABN holdersHow we get paid
TIC Ventures Pty Ltd (ABN 28 169 939 619) trading as Circlestone. It's free for you. Our partners pay us. Here's exactly how.
We're a referrer, not an adviser
We publish guides and calculators and refer businesses to our partners. We do not provide credit assistance or credit advice, we don't recommend particular loans or lenders, and we don't arrange, apply for or write loans. We only promote finance for business purposes. Finance for personal, household or domestic purposes isn't offered through Circlestone.
Who pays us, in plain terms
- Business finance: applications are handled by our lending partner LoanOptions.ai (Australian Credit Licence 543631). When finance you applied for through our site settles, LoanOptions.ai pays us a share of what it earns on that deal under our written referral agreement.
- Invoice finance for trades: if you sign up with FundTap through our site and fund an invoice, FundTap may pay us a commission.
Does it change what you pay?
You don't pay Circlestone anything. Your rate and fees are set by the lender (or FundTap) and shown to you before you sign. LoanOptions.ai and the lender must give you their own disclosure documents, such as a credit guide, which also disclose commissions and referral fees.
Our partners
| Area | Partner | Licence |
|---|---|---|
| Business finance | LoanOptions.ai (Loan Options AI Pty Ltd) | Australian Credit Licence 543631 |
| Invoice finance for trades | FundTap | Under its own terms – see fundtap.co |
Questions or complaints
Contact [email protected]. Complaints about an application or loan should go to LoanOptions.ai, FundTap or the lender under their own complaints processes.