Companies · Fintech

Circuit Pay, Inc.New on the radar

BRENTWOOD · Fintech · refined from filed group “Other Technology

Diligence memoA one-page analyst read on Circuit Pay, Inc. — recommendation, valuation, rhythm, risks.
$200K
Total raised · real
1
Rounds
Latest step-up
Top 34%
Sector rank · raised
Pre-Seed
Latest stage · inferred · Wed Jan 01 2025 00:00:00 GMT+0000 (Coordinated Universal Time)

Circuit Pay, Inc. looks under-valued against its niche peers and is quiet on financing cadence.

Synthesized from the figures below est. — every claim rests on a number shown on this page. Valuation uses the fintech sector profile.

Analyst read est. — computed against this company's niche peers in the same era. Inputs shown; not a quoted figure.

Under-valued
  • Modeled value is 0.63× the median modeled value of Pre-Seed Fintech companies in 2025–2027 (9 peers) — value vs value, same stage and era.
Quiet
  • Last raise 18 mo ago; this sector typically re-raises about every 12 months.
  • Slightly overdue versus sector cadence.
Leadership

No named principal in this company's public records yet — see all operators below.

Explore how these operators interlock with other companies in the operator network.

Where it sits in Fintech

Circuit Pay, Inc. is one of 1063 Fintech companies tracked from BRENTWOOD. By capital raised it ranks mid-pack (ahead of 67% of sector peers), and mid-pack by modeled valuation est..

Ranking is computed against this company's own sector cohort — reported capital is fact; valuation tiers are modeled.

As reported in public records reported — not modeled.

US
Jurisdiction
Rule 506(b)
Reg D exemption
1
Investors (latest)
2024
Year incorporated
2025-01-01
First sale
Amount raised vs valuation, by round

Solid bars are reported offering amounts reported; hatched bars are the modeled post-money valuation est. — both on one shared scale so you can read raise-vs-worth at each round directly. Use the toggles to overlay data labels and the niche-peer / market average value lines.

Amount raised · realModeled valuation · estCumulative funded · real
$0$250K$500K$750K$1.0MPre-Seed · 2025-01-01 Raised $200K (real) Modeled valuation $730K (est)$200K$730KPre-Seed2025

The line shows cumulative reported funding over the period; + labels show new capital added between points when there is room. Toggle on-bar figures, plus the niche-peer and market averages, to read this company against its cohort. Benchmarks are modeled medians.

Financing ladder & sequence gaps
Pre-Seed$200K · 2025

Stages are modeled from round size (public records carry no series label). Ladder is contiguous — every modeled rung has a record.

Modeled valuation trajectory
$730K
Base estimate est.
$128K
Conservative case
$2.1M
Upside case
$1.1M
Modeled post-money

Round size and date are reported; the stage label is inferred from round size (latest is Pre-Seeda round under $1.0M). Valuation is modeled from stage benchmarks scaled by the fintech sector profile. Directional, not a quoted figure.

Not enough modeled valuation points to chart a trajectory.

Model inputs · modeled:benchmark-stage-stepup-v1
18%
Dilution assumption
Implied ownership sold in the financing.
29%
Survival probability
12% low · 53% high
1.74×/yr
Annual markup
2.35×/yr upside case
1.5 yr
Elapsed time used
1.5 yr actual, capped for stale marks
fintech
Sector profile
Adjusts growth and survival by industry.
Financing rhythm
Avg between rounds
Capital velocity
1.5 yr
On record since
2025
First round
New
First-time filer
How it compares to the market

Benchmarked against 1063 companies in Fintech. Each bar is a median (the middle company, not an average — outliers don't skew it). Two yardsticks: real money raised (reported on Form D) and modeled value (our estimate est.). These are whole-sector medians across all stages, except the per-stage row.

Total raised — vs sector median (real $, all stages) 0.0× of median
This company$200K
Sector median$4.3M
Latest round — vs other Pre-Seed rounds in sector (real $, this stage) 0.4× of median
This company$200K
Sector median$550K
Modeled value — vs sector median (estimate, all stages) 0.0× of median
This company$730K
Sector median$45.0M

Raised more than 67% of sector peers (real $). Modeled value above 67% of peers (estimate).

Niche peers — same stage & era

A tighter cohort than the sector chart above — only companies at the same stage (Pre-Seed) that last raised in the same ~3-year era, ranked by modeled value est. (not money raised). This is the exact set the analyst read compares against, so a like-for-like cohort is what makes "over/under-valued" meaningful. This company ranks #7 of 9.

This companyCohort peer
$100K$1.0M$10.0M$10K$100K$1.0M$10.0MCapital raised (log)Woliz · Pre-Seed Raised $2.2M · modeled $4.5M (est)NjiaPay · Pre-Seed Raised $1.0M · modeled $3.5M (est)EasyBank · Pre-Seed Raised $370K · modeled $1.3M (est)Hc Lending Llc · Pre-Seed Raised $450K · modeled $1.2M (est)Stream Pay Platforms Africa Inc. · Pre-Seed Raised $500K · modeled $1.2M (est)Cinergy Wealth LLC · Pre-Seed Raised $400K · modeled $1.0M (est)Patriot Pay, LLC · Pre-Seed Raised $275K · modeled $549K (est)Gaingels Nova Credit LLC · Pre-Seed Raised $112K · modeled $361K (est)Circuit Pay, Inc. (this company) Raised $200K · modeled $730K (est)Circuit Pay, Inc.
CompanyStageRaised · realValue · estvs peer med.
WolizPre-Seed$2.2M$4.5M3.91×
NjiaPayPre-Seed$1.0M$3.5M3.02×
EasyBankPre-Seed$370K$1.3M1.10×
Hc Lending LlcPre-Seed$450K$1.2M1.05×
Stream Pay Platforms Africa Inc.Pre-Seed$500K$1.2M1.00×
Cinergy Wealth LLCPre-Seed$400K$1.0M0.88×
Circuit Pay, Inc. this companyPre-Seed$200K$730K0.63×
Patriot Pay, LLCPre-Seed$275K$549K0.47×
Gaingels Nova Credit LLCPre-Seed$112K$361K0.31×
Full financing history

Stage is inferred from round size est., not reported on the filing — a round's dollar size maps to a bucket: Pre-Seed <$1.0M · Seed $1.0M–$4.0M · Series A $4.0M–$15M · Series B $15M–$40M · Series C $40M–$100M · Series D+ $100M–$400M · Growth/Late >$400M.

StageAmount · realAnnouncedPost-money · estValue · estConf.
Pre-Seed$200K2025-01-01$1.1M$730K90%
What happened at each round

Step-up, pace versus the sector's normal cadence, and revenue/exemption moves — read straight from the reported round facts reported.

  1. Pre-Seed$200K2025-01-01
    • First recorded raise — entered as Pre-Seed.
    • 1 investor on this round.
Intelligence
Modeled next raise
$320K
Modeled next size est.range $208K$512K
Last step-up
Capital velocity

Predictive signals are modeled est. from this company's own cadence and step-up, plus sector benchmarks — directional, not advice. Peer set and a CSV export live in your analyst workspace.

Key people & operators

Officers, directors and promoters named in this company's public recordsreported — the people who run it (not its investors). "Also runs" counts come from name-matching across all records, so verify before acting.

PersonRoleAlso runsTied since
GARY ZIEGLER2025-01
Registry & provenance

Circuit Pay, Inc. is an official record sourced from the U.S. Securities and Exchange Commission (SEC). U.S. data is aggregated from SEC Form D filings.

United States
Country of record
US
Jurisdiction
2058156
SEC CIK
2024
Incorporated
Similar companies

Nearest neighbours across the whole database — matched on sector, stage and capital scale, and on shared operators (officers or directors named at both companies in public filings). A discovery shortlist, not a valuation cohort — verify before acting, the same way modeled figures are directional.

CompanySectorStageRaised · realValue · estWhy similar
Patriot Pay, LLCFintechPre-Seed$275K$549Ksame sector · same stage
Wealthmeup Inc.FintechPre-Seed$135K$509Ksame sector · same stage
TurnStayFintechPre-Seed$300K$1.4Msame sector · same stage
Gaingels Nova Credit LLCFintechPre-Seed$112K$361Ksame sector · same stage
EasyBankFintechPre-Seed$370K$1.3Msame sector · same stage
Cinergy Wealth LLCFintechPre-Seed$400K$1.0Msame sector · same stage
Valens Pay Global LtdFintechPre-Seed$100K$598Ksame sector · same stage
Hc Lending LlcFintechPre-Seed$450K$1.2Msame sector · same stage
Semantically similar

Matched by meaning, not labels — a local language model reads each company's name, sector and description and ranks the closest in that learned space. This catches look-alikes that cross sector boundaries; the structured list above explains its matches, this one trusts the text. Directional, like every modeled signal here.

CompanySectorStageValue · estMatch
Pay-i IncFintechSeed$17.9M90%
Castle Pay, Inc.FintechSeed$25.0M87%
Kappa Pay Inc.FintechSeries A$52.9M87%
Union Credit Inc.FintechSeed$23.3M86%
Payment Box, Inc.FintechSeries A$14.1M86%
Spyn Pay, Inc.FintechPre-Seed$17.5M86%
Daisy Pay IncFintechSeed$8.0M86%
Revio Pay IncFintechSeries A$33.0M86%
Frequently asked
How much funding has Circuit Pay, Inc. raised?
Circuit Pay, Inc. has raised approximately $200K in disclosed capital across 1 recorded financing round, aggregated from public filings.
What is Circuit Pay, Inc.'s estimated valuation?
Provath's modeled valuation for Circuit Pay, Inc. is approximately $730K (modeled range $128K–$2.1M). This is an algorithmic estimate derived from round sizes and same-niche peers — not a quoted or reported figure.
What funding stage is Circuit Pay, Inc. at?
Circuit Pay, Inc.'s latest modeled financing stage is Pre-Seed. Its most recent recorded round closed around Wed Jan 01.
What does Circuit Pay, Inc. do and where is it based?
Circuit Pay, Inc. operates in the Fintech sector, based in BRENTWOOD.
Explore related

See where Circuit Pay, Inc. sits in the wider market — its sector, location and stage cohorts, each with their own leaderboards and capital-flow timelines.

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