Smart banking solutions for
your business

Join the 5,000 businesses that have chosen to go fuss-free with First Circle.

Get started with a business loan

Save time and money to focus on running your business

BUSINESS CREDIT LINE

Get the best credit line for Filipino businesses

Grow your business by opening a non-collateral credit line of up to 20 million pesos for free.

BUSINESS BANKING

Bank easily with no fees, no limits, no waiting line

Open a free online banking account with First Circle. No fees, no limits, no waiting line.

Smart businesses choose fuss-free, simple banking

Grow your business
Save money with fee-free banking
Save time for what matters
Minimize risk with best-in-class technical and account security

Grow your business

We’ve given ₱16 billion in loans to support business growth

Our customers experience an average of 80% revenue growth within 2 years

Save money with fee-free banking

Free credit lines where you pay only as you use, with rebates for early repayments

Free payments & bank accounts

Save time for what matters

Open an account in 5 minutes and get loans disbursed same- or next-day

Create and manage team members in just a few clicks

Minimize risk with best-in-class technical and account security

Never miss a payment to suppliers or staff

4.8 rating (152 reviews)

“ First Circle is highly recommended, and I absolutely love their service. They excel in efficiency, simplicity, and affordability, setting them apart from others in the market.

See more

Our customers achieve an average growth of 80% over 2 years

₱ 80 billion

in combined revenue of

our active customers

100,000+ people

employed by 

our active customers

Our customers' average profile

SMALL BUSINESSES

15 years

average time in business

₱51.5 M

in annual revenue

42 people

average no. of employees

MEDIUM BUSINESSES

34 years

average time in business

₱1.8 B

in annual revenue

155 people

average no. of employees

Christian Bello

Acima Meda Philippines Inc.

I just hope na the banks would copy First Circle as an example. If you have complaints, they actually listen to you, and then they address the complaints as much as they are able.

Linda Moya

Richworld Infra Solutions Corp.

With lower interest rates, faster release, and of course the good customer service and relationship with First Circle, we’re here to stay for long.

Erwin Manarpiis

Otus Copy Systems, Inc.

Yung unang [loan] namin sa First Circle, kahit maliit siya, ang laking naitulong niya...tumatak sa akin na mabilis yung process niya, tapos nakapagpondo kami ng projects, then natapos lahat ng projects satisfied yung customer.

First Circle customer

Daniel Cruz III

SH-CCPM Enterprise

I’m thankful, because without First Circle helping out with financing, hindi ko maca-cater yung first order ko.

entertainment and media
Out of all the financial institutions I have spoken with, First Circle has the most modern and updated facilities, and the most accommodating people. It’s a really good partner or ally to our business.
Roy Lopez, Chief Operating Officer
BlackOps Studios Asia
Partner since 2023

Alma Plaza

IMVJ Apparel

Ten always ang rating ko kay First Circle kasi sobrang gaan at ang laki ng tulong sa akin.

First Circle customer

Anita Mataga

FlexNet System Incorporated

With First Circle, immediate ang rescue, hindi kami kailangan pumunta sa inyo. Sasabihin lang namin na maglo-loan kami, processed na agad, hindi ka na maghihirap.

Ferdinand Fernandez

Vishnu Property Management Inc.

In doing business with First Circle, we made plans so that we could upgrade the business in relation to what First Circle is doing for us.

First Circle customer

Oren Cabrera

Maglev Air Conditioning Corp.

Si First Circle yung isa sa nagiging takbuhan namin ngayon, especially 'pag may urgent loans kami.

First Circle customer

Karren Vardeleon

Westfor Asia, Co.

Mabilis ang release, tapos ‘yung walang masyadong hinihingi. Kasi po very hands on kayo, so napo-provide namin agad ang mga requirements, narerelease agad yung loan namin.

Ma. Lina Moya

Richworld Infra Solutions Corp.

With First Circle, immediate ang rescue. Sasabihin lang namin na maglo-loan kami, processed na agad. Hindi ka na maghihirap.

Telecommunications
With lower interest rates, faster release, and of course the good customer service and relationship with First Circle, we’re here to stay for long.
Ma. Linda Moya, President and CEO
Richworld Infra Solutions Corp.
Partner since 2023

Christian Bello

Acima Meda Philippines Inc.

With First Circle, immediate ang rescue. Sasabihin lang namin na maglo-loan kami, processed na agad. Hindi ka na maghihirap.

FOOD PROCESSING
I just hope na the banks would copy First Circle. It’s a winning combination right there — the speed, efficiency, responsiveness.
Christian Bello, President and CEO
Acima Meda Philippines Inc.
Partner since 2020

Erwin Manarpiis

Otus Copy Systems, Inc.

With First Circle, immediate ang rescue. Sasabihin lang namin na maglo-loan kami, processed na agad. Hindi ka na maghihirap.

printing
Yung unang [loan] namin sa First Circle, kahit maliit siya, ang laking naitulong niya...tumatak sa akin na mabilis yung process niya, tapos nakapagpondo kami ng projects, then natapos lahat ng projects satisfied yung customer.
Erqin Manarpiis, President and CEO
Otus Copy Systems, Inc.
Partner since 2021
First Circle customer

Daniel Cruz III

SH-CCPM Enterprise

With First Circle, immediate ang rescue. Sasabihin lang namin na maglo-loan kami, processed na agad. Hindi ka na maghihirap.

production
First Circle is really the first institution that helped me, who also believed na kaya ko din ito...without First Circle, hindi ko maki-cater yung first order ko.
Daniel Cruz III, Owner
SH-CCPM
Partner since 2020

Get same or next-day account opening.
No paperwork, no branch visits.

5 minutes to apply

Simply submit an online application form with 3-7 documents required from the comfort of your own office or home.

Open an account today

Don’t just take our word for it

SME Digital Innovation of the Year - Philippines
2024
High-Growth Companies
Asia-Pacific
2023
High-Growth Companies Asia-Pacific
2022 & 2023
50 Fintech Startups Driving Financial Inclusion and Resilience
2020
Most Outstanding Member
2024
SME Company of the Year
2020
Accion International
Fasanara Capital
Insignia Ventures Partners
Koru Partners
SEC Financing License
Reg. No. CS201605477
Certificate of Authority No. 1104
Department of Trade and Industry
Partner
Data Privacy Act Compliant
NPC Reg. No. PIC-000-655-2019
Quezon City Government
Partner
Philippines Finance Association
Member
Credit Information Corporation
Partner
Management Association of the Philippines
Member
Philexport
Member
The American Chamber of
Commerce of the Philippines
Davao Chamber of
Commerce and Industry
Davao Chamber of
Commerce and Industry
Cebu Chamber of
Commerce and Industry
International Finance Corporation

First Circle is regulated by the Securities and Exchange Commission (SEC). For concerns, you may contact SEC at (+632) 8818-5554 or crmd_publicassistance@sec.gov.ph.

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