Diligence memo · auto-generated · as of July 2, 2026
Circuit Pay, Inc.
Circuit Pay, Inc. looks under-valued against its niche peers and is quiet on financing cadence.
Businessfiled
Circuit Pay, Inc. operates in Fintech, based in BRENTWOOD.
No verified homepage on file yet — operating evidence is limited to the public record.
Capital & rounds (filed)filed
Circuit Pay, Inc. has raised $200K in disclosed capital across 1 recorded round, aggregated from public filings. Its latest round is modeled as Pre-Seed (a round under $1.0M).
Largest single filing: $200K on 2025-01-01.
Most recent recorded round closed around 2025-01-01.
Valuation (modeled)modeled
Provath models Circuit Pay, Inc. at approximately $731K (range $128K–$2.1M). This is an algorithmic estimate from round sizes and same-niche peers — not a quoted or reported figure.
Read: 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.
Financing rhythm & timingmixed
Last raise 18 mo ago; this sector typically re-raises about every 12 months.
Slightly overdue versus sector cadence.
Comparablesmixed
Capital scale ranks ahead of 67% of Fintech peers (1063 compared).
Modeled value ranks above 67% of those peers.
Closest niche peers: Woliz, NjiaPay, EasyBank, Hc Lending Llc, Stream Pay Platforms Africa Inc..
Peoplefiled
1 named person on file across officers, directors and signatories.
Risks & flagsmixed
No clearly named CEO/founder/principal in the surfaced records — key-person evidence is thin.