Hello, and welcome to Virgin Money.

When I first started out in the record business, and was struggling to get by, my Aunt Joyce was kind enough to give me a small loan.

That loan kept the Virgin Records recording studio afloat. It gave me the time and resources I needed to make my business a success. And many years, and many business ventures later, I still have her to thank.

So, obviously, loans between family and friends are very close to my heart.

That's why I was intrigued by the team at CircleLending and their innovative approach to finance. And why I wanted to bring them into the Virgin family and help them launch Virgin Money in the United States.

Like all Virgin companies, Virgin Money believes in getting customers a better deal. With money from family and friends, you can pick your own interest rate and loan terms to fit your situation. Rather than giving interest to a bank, you can keep it in the family – often adding up to thousands of dollars of savings.

The good people at Virgin Money have managed more than $300 million in loans. So there are few better suited to help you do these loans properly. They know how to manage these loans in a smart manner so you can stay close to your loved ones. They also help you get tax savings that would be silly to pass up.

In the coming months, Virgin Money will be bringing you new products such as a student loan for college. Sometime soon, we'll also be helping you get bank loans – but with a friends-and-family twist that gives you a better deal than any other lender can offer you.

We want to change the face of money – and we want you to join us. And I promise we'll have a little fun along the way too.

Cheers,

Richard Branson