Med Tech. Real Estate. Products. & Everything In Between.
We Connect People to People. People to Projects. Capital to Projects.
The Golden Circle exists to power growth through connection.
We connect capital to projects, people to people, and people to projects creating momentum that transforms vision into reality.
Our Mission Is Simple:
Build powerful networks that drive extraordinary results. We believe success starts with people. By surrounding ourselves with driven, principled, and purpose-led individuals, we create a circle where innovation thrives, collaboration accelerates, and business scales faster.
With the right people in the circle, anything can be achieved!
Our Circle
Some Members of Our Team
Founder, The Golden Circle & People Not Projects
Michael C Gray
Michael is a master connector and the visionary founder of People Not Projects and The Golden Circle, driven by a relentless pursuit of the cutting edge - where creativity, technology, and experience intersect. He builds powerful relationships and transformative opportunities for clients ranging from Fortune 500 leaders to global icons, including the legendary martial artist and humanitarian, Jackie Chan
Funding Facilitator & Capital Connector
Eddie Zuniga
Eddie Zuniga | Funding Facilitator | Capital Connector I connects structured projects with aligned capital sources across real estate, renewable energy, infrastructure, and international development.
Specializing in capital matchmaking, investor alignment, and pre-funding readiness strategic. Leverages Political contacts to expedite projects.
How We Work
Connect + Capitalize + Nurture
The Golden Circle connects, capitalizes, and nurtures people and businesses.
Connect
We create strategic connections that turn ideas into action by aligning the right people, capital, and projects. Through collaboration, we remove barriers, accelerate momentum, and drive results - because at The Golden Circle, 1 + 1 = 1 Billion.
Capitalize
We help founders secure the right capital - debt or equity - to build strong, aligned relationships with investors, matching each opportunity with the proper financial structure and partners.
Circle
We build a trusted circle and community where meaningful relationships drive real results - grounded in integrity, alignment, and an abundance mindset that lets bigger deals get done.
Project Types
Select List
Business Programs
- •Cafeteria 125 Plan (25-1,000 employees)
- •Tax on Tips Strategy
- •Tariff Program
Direct Sales
- •ELYT - a friends' travel company
- •Immunotec - glutathione health product
Amazon Product Sales
- •Serving a community of 84K Amazon sellers
- •Templar Stone - warfighter products for the GSA
- •Enyrgy - vitamin D machine
- •Calm Box
Real Estate
- •$1.5B set of 10 projects - Roatán Islands
- •$1.2B project in the Edition resort
- •Idaho - land available
- •Clinic property available, licensed & ready to operate
Health & Wellness
- •Stem cells / exosomes / peptides
- •Hyperbaric chamber sales
- •XPRIZE clinical trials
Loans & Commodities
- •Business loans, SBA and more
- •Oil / gold / art and other commodities
Business Programs
Programs In Focus
Cafeteria 125
An IRS-regulated, employer-sponsored benefit program allowing employees to pay for qualified expenses - health insurance premiums, FSAs, dependent care - using pre-tax income. It reduces taxable income for employees and payroll taxes for employers, saving companies money per employee while increasing employee take-home pay.
- Complements existing healthcare benefits without replacing them
- Can be added anytime - no need to wait for open enrollment
- Integrates easily alongside other existing cafeteria plans
- Creates tax savings for both employers and employees
Tax on Tips
Tipped employees can deduct a significant portion of their tip income from federal taxable income when filing, increasing take-home pay through lower tax liability or larger refunds. For restaurants and hospitality businesses, this improves retention, eases hiring, and boosts morale.
- Deduct up to $25,000 in tip income from federal taxable income
- Applies starting tax year 2025 (filed in 2026) through 2028
- Claimed on the tax return like a standard write-off - not a separate program
Tariffs
In February 2026, the U.S. Supreme Court ruled certain tariffs imposed under the International Emergency Economic Powers Act were illegal - meaning the government must refund those tariffs retroactively. Total refunds could reach roughly $166 billion, processed through a new U.S. Customs system.
- Refund portal launching in phases starting spring 2026
- Payments may take approximately 45 days after approval
- Refunds go to importers and companies that paid tariffs directly - not automatically to consumers
Real Estate
Featured Projects
Inku Tulum, Mexico
Deelum Concepts, in collaboration with V Taller, presents Inku Residences - an exclusive collection of four private villas inspired by the acclaimed Ch'anal and Kaanal concepts. A harmonious blend of nature and elegance in a serene sanctuary designed for privacy and comfort.
Selling
$1.2M / home, or $4.5M for all 4
Timeline
April 2026
Deck
Available on request
Roatán, Honduras
Developer Scott Miller - previously behind multiple Hilton hotels and over $60M in U.S. real estate projects - is seeking capital for 10 projects on the island of Roatán, including infrastructure, with the ultimate goal of bringing a bank to the island to help capitalize his and his partners' projects.
Selling
Lots, homes & condos
Seeking
$1.7B + a bank for the island
ROI
2x-5x multiple on some investments
Timeline
March 2028
Loans
LowDoc (Midas Financial)
No-Doc Loans
Financing solutions designed for borrowers without traditional income verification documents - tax returns or W-2s. Commonly used by self-employed individuals, entrepreneurs, and investors with strong assets or cash flow but non-traditional financial profiles. Lenders evaluate creditworthiness, liquidity, and overall financial strength instead of documented income.
- Minimal income documentation required
- Asset-based qualification via bank statements, reserves, or net worth
- Faster approval through streamlined underwriting
- Flexible for self-employed individuals, business owners & real estate investors
7.25%
Rates As Low As · Fast Pre-Qualification
Ready When You Are
Join The Circle
Have a project, capital, or a connection worth making? Let's talk.