After you sign up, we’ll have a brief 15-minute call to review the Program and answer quick questions. Then you’ll be invited into the Circle Community where you can walk through the Program at your own pace…

Upon completion of your partnership, you have three options:

• Dissolve the Company
• Sell the Company
• Keep the Company

QUALIFICATIONS

• U.S. Citizen
• Age 21–65
• No merchant accounts in your name
• No active collections
• Filed last 2 years of tax returns
• No bankruptcies/liens/judgments past 5 years
• Maintain $750+ balance for 3 months
• No felony record
• Not on government assistance

WHAT TO PROVIDE

• Credit score 650+
• 2 years tax returns (pp. 1–2)
• 3 months bank statements
• Driver’s license & SS card
• Proof of address (utility/lease or phone bill/passport)

All documents must be PDF

No. A screenshot of your credit score is used for pre-approval. A formal pull only happens when applying for a merchant account—and that never impacts your personal score.

Zero upfront fees. EL3VN takes a $1,000 service fee after you receive your first $1,000 bonus (posts within a week of opening the business bank account).

Yes, but they’re reimbursed (up to $250). State filing fees vary. If your state exceeds $250 (e.g. CA $455, NV $743) you cover the extra. Banks may also require a $100 deposit—also reimbursed.

EL3VN means ELEVEN—a nod to the 11 hours it typically takes to finish the process.

EL3VN is a referral agency. We connect qualified clients with a processing company that pays the passive income. They require a referral code—EL3VN supplies that plus full support via Circle Community and chat.

Minimum requirement is a 650 FICO, but exceptions may apply. A 620+ option is coming soon—sign up to be considered.

After opening your business account, the $1,000 bonus posts in 2–4 business days. Your first recurring $1,000 payment arrives 45 days later—assuming all steps are on time.

Minimum 9 months at $1,000/mo. Some run 12–14 months+. After 9 months payments drop to $500; you also receive six $500 wind-down payments.

Yes—EL3VN never sells or shares your data outside the scope of the Terms of Service.

They prove activity for merchant approval:

• $500+ ending balance each month
• $2,500–$3,000 monthly activity
• No NSF (non-sufficient funds)

No spam. You may receive occasional updates, feedback requests, or progress check-ins—nothing more.

One applicant per household. Someone at a different residence is eligible.

Yes. We can’t serve applicants from Alaska, Hawaii, Maine, or Wyoming at this time.

Yes—you must be physically present in the U.S. to finish the required steps.

EL3VN can fund trips of any length. You pay tax on 1099 income not applied to your trip (assumes funds go to a 501(c)(3)).

Example: A 3-month trip costs $3 k. If you direct the full $3 k to the trip, remaining funds count as income unless offset by other mission expenses or further donations.

Absolutely—multiple participants joining together can finance larger projects. Coordinate vendor payments or monthly financing using each member’s earnings.

Go to our Missions page, click Apply under “Mission Organizations,” fill the form, and we’ll schedule a video call to maximize your funding.

Visit the Missions page, apply as a Donor, and we’ll walk you through everything on a quick video call.

Circle.so hosts all educational material, checklists, and docs. It’s also where you give feedback and share strategies for leveraging your qualified business credit.

After sign-up and a short Zoom intro call, you’ll get an email invite.

Note: Join the call on desktop or laptop—not mobile.

Yes—available on iOS and Google Play.

On first launch the app may think you’re creating a community. Visit Circle.so in your mobile browser, open the menu, tap Login—it hands off to the installed app.

You decide. Adjust email & push notifications in Settings; we suggest leaving them on at first for maximum value.