No. We don't extend credit and we can't guarantee approval. We connect you with partners who understand this model — the financing relationship itself is between you and them.

Does circuly charge anything for the introduction?

No, we really do it out of the goodness of our heart and because we want to see the product as a service business model working for as many companies as possible. If we can make that possible by connecting you with a financier, we're happy to do so.

What if we're not ready to formalise financing yet?

Self-financing a smaller pilot is the normal starting point for most circuly customers, not a fallback. Start with a limited range, prove the model, and grow from there.

Financing for product-as-a-service

Is financing keeping you from moving forward?

Let us connect you to our partner network.

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Explore customer case studies

One warm introduction beats a hundred cold applications.

circuly can put you in touch with financing partners who already understand
asset-heavy subscription businesses — so the conversation starts from understanding, not from scratch.

Fit

They already know the as-a-service model.

No explaining recurring revenue or asset ownership from scratch — our partners work with asset-heavy subscription businesses already.

FLEXIBILITY

Financing is shaped around your needs.

Every subscription business finances this model differently. We point you toward partners suited to how yours actually works, not a one-size structure.

SUPPORT

We open the door & stay in the loop.

The introduction isn't a handoff — we're still there once the conversation with a partner starts.

Financing partners across the markets you operate in.

No matter where you operate, or plan to, we can point you to a partner who's already there.

How companies usually fund this model.

We've seen companies adopting the following approaches.

Three

Special Purpose Vehicle (SPV).

A SPV is a separate legal entity (subsidiary or trust) created to hold the assets and the corresponding debt, ring-fencing them from the parent company.

Companies use SPVs to finance equipment off their main balance sheet

This helps isolate risk and makes lenders more comfortable.

Four

Gradual Self-Financing.

In gradual self-financing, the company uses its own cash reserves to fund the assets for subscriptions, at least in the early stages.

By relying on internal cash, companies can handle the initial “fish belly” dip in cash flow without immediately taking on debt or outside capital.

This approach is common for pilot projects or smaller companies testing the model.

One

Sell & lease back.

You sell your existing product fleet to a financier for upfront cash, then lease it back to keep running the subscription — freeing up capital that's currently sitting in owned hardware.

Turns assets already on your balance sheet into immediate cash.

You keep the customer relationship — the financier holds the hardware, not the business.

Two

Asset financing.

A financing partner funds the products upfront, before a single subscription payment comes in — so you're not fronting the capital yourself to build the fleet.

Products get funded before you pay for them.

Repayments line up with the revenue the subscriptions actually generate, not a fixed schedule regardless of sales.

circuly's role as a
Subscription Management Software.

Once financing is in place we supplement it with added protection. The circuly software comes with in-built modules &
workflows that protect your business on various fronts so you utilise your financing in the best way possible.

Illustration of a subscription management software

Fraud prevention

Shield your business against fraud with credit checks.

Prevent fraud before it starts and long after checkout. From credit checks to smart product controls—circuly keeps your business protected at every step.

Payment retrial

Automated payment retrials ensure no revenue is lost due to system errors.

Automated retry attempts recover failed payments before they become losses.

DUnning & debt collection

Outstanding debts & unpaid invoices recovered with dunning.

With flexible payment retrials, timely communication and professional debt collection, you can effortlessly settle your unpaid invoices and recover lost revenue.

A demo says more than a 1000 words.

Get a live demo that's customised around your unique product subscription business and pain-points.

Get a Demo

FAQs.

Don't let the upfront cost be the reason this doesn't happen.

Let's connect you with a financing partner — and make sure the financing holds up once it's in place.

Talk to us about your financing needs

Financing for product-as-a-service

Is financing keeping you from moving forward?

Get inspired by brands building a subscribe first eCommerce journey.

One warm introduction beats a hundred cold applications.