For over 15 years, Circle Club has specialized in helping European entrepreneurs, especially those based in Spain, navigate the complexities of U.S. business expansion. From setting up LLCs to filing U.S. taxes, Circle Club simplifies international growth for small business owners looking to take advantage of America’s business-friendly environment, flexible corporate structures, and trusted financial infrastructure.
With its office strategically located in Miami Beach, a destination beloved by European clients, Circle Club offers a unique local presence that gives their international customers peace of mind and a personal connection to their new business home in the U.S.
But there was one major roadblock their clients continually faced: opening a U.S. bank account.
Bridging the Gap for Global Entrepreneurs
Many of Circle Club’s clients were ready to do business in the U.S., but without a U.S. bank account, they were stuck. Forming a U.S. company is just one step. Without banking access, these businesses would have difficulty operating in the U.S. The process of opening an account from abroad was often burdensome, confusing, or outright inaccessible. And without a financial foundation, even the most promising business structures remained incomplete.
As a result, Circle Club sought more than a banking provider. They needed a true partner who could offer a user-friendly banking platform designed specifically for non-residents. Most importantly, they wanted a partner who was open to collaboration and improvement that could grow with them.
With Lili, they understood that their clients would face a straightforward onboarding experience. Circle Club clients could now open a U.S. business account quickly and remotely.
A Seamless Embedded Experience
Lili was the first partner to provide Circle Club with embedded U.S. banking access for international clients.* This kind of integration didn’t just add a banking solution to Circle Club’s offering—it elevated the entire client experience.
While any new integration brings some learning curves, the experience was smooth from the start.
“Any issues were resolved quickly. Our developer had a great relationship with the Lili team. It truly felt like a collaboration” said Patricio Fernandez, CEO of Circle Club. He added, “From the CEO to the support team, communication has always been open and honest. We felt heard from day one. When you have a tech partner that’s actually listening to your suggestions, that’s a big deal.”
Lili’s banking solution didn’t just fill a gap. It transformed the customer journey. Clients were now able to complete their U.S. business setup in one place, eliminating the frustration of having to manage multiple disconnected services. This elevated the client experience and positioned Circle Club as a more comprehensive and trusted provider.
Growing Together—Globally
Although boosting sales wasn’t the original goal, the impact was immediate. With banking now part of their service package, Circle Club became a one-stop-shop for clients expanding to the U.S. “We’re offering more value now. Our clients love the simplicity and reliability. We haven’t had a single complaint” said Fernandez.
Looking ahead, Circle Club is preparing to expand its services into Latin America, with plans to support small business owners in Argentina and beyond. Their goal is to continue building compliant, cross-border financial solutions that make global business feel local.
“Success in a partnership means growing together. And we’re doing that—our clients win, we win, and our partner wins. By choosing a partner that not only helps you stay compliant, but also grows with you. That’s what makes all the difference,” said Fernandez.
