Introducing your business’ newest partner: Our Revolving Credit Line!

Flexible and immediate access to funds when you need to pay for employees, cover day-to-day business needs, etc.¹

Use and re-use your credit line as often as you like.

Get unlimited free drawdowns with subscription

Access credit between ₱250,000 and ₱5,000,000

Apply for a Revolving Credit Line

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¹ Note

Your maximum credit limit will depend on your business size and performance.

Business loan calculator

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How First Circle works


Fast & SIMPLE FinancingGet funds in 5 to 10 days¹Apply online for a business loan in 10 minutes, in the comfort of your own home or office. New partners get money in 5 to 10 business days.¹
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Fair & Transparent TermsKeep funds as long as you needWe send you loan offers tailored to your margins. We fund up to 60-70% of your purchase order or receivable, so you can focus on running your business. Keep the funds, and only pay us back when your customer pays you.
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Flexible payment OPTIONSYou're in control: Pay early to apply againOnly pay interest for the days you need. Early payments are free with discounts for prorated interest. If you need more funds, just apply for a credit limit increase.

Want to know more about our business loans?
Talk to an expert.

Common questions

Here are common questions our customers ask. For other questions, check our Help Center.

What can I use the Revolving Credit Line for?

Currently, we offer our loans to companies who are engaged in business-to-business (B2B) transactions. You can use the revolving credit line to manage your cash flow, get paid for unpaid invoices , and fulfill your purchase orders from your buyers. You can use the credit lineto help your business operate smoother and grow further.

How can I get a revolving credit line?

To get a revolving credit line, your business should meet the following criteria:
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1. The business must receive purchase orders or issue invoices.
2. The business is receiving orders from partnerships, cooperatives, corporations or government agencies in the Philippines.
3. The business must be located in the Philippines.
4. Type of business: Corporation, Partnership or Sole Proprietorship.
5. The business should be operational for more than one (1) year, unless your annual revenue is more than ₱10 million.
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If qualified, start your application here. After successfully filling out the form, our Sales Team will contact you to discuss the steps and requirements for a revolving credit line.

What are the requirements?

We need to verify your personal information, as well as your business information.

Only one (1) valid ID is needed to verify personal information. You can submit any of the following government-issued IDs: Driver's License, Passport, Postal ID, Professional Regulation Commission (PRC) ID, Tax Identification Number (TIN) ID, Unified Multi-Purpose ID.

The following are the documents required to verify business information:
• BIR Certificate of Registration
• SEC Certificate of Registration (for corporations and partnership)
• Proof of billing of your business
• General Information Sheet (for corporations)
• Articles of Partnership (for partnerships)
• BIR Form 2303 (for sole proprietors)
• Information on your top 3 buyers or Summary Alphalist of Witholding Tax (SAWT)

Once your information is verified and your eligibility is confirmed, just have your unfulfilled purchase orders or unpaid invoices ready, and you can proceed with your Revolving Credit Line application.

When you're ready, get started here and see if you qualify.

What are your rates?

We offer monthly interest rate ranging from 1.39% to 3.49% per month, depending on your business profile, selected loan amount, term length, payment frequency or the buyers you transact with.

You also have flexible convenience fee options: choose between a processing fee (1.99% of the principal amount of every drawdown) or a subscription fee for unlimited free drawdowns.

How is First Circle different from a bank?

Even though we offer business loans, we’re not a bank. We’re a financial company, accredited by SEC and DTI, tailored to businesses in the Philippines. Our goal is to provide fast, fair, and flexible access to finance where and when your business needs it. See how we compare with other financial institutions.

What happens if I can't make a payment?

Let us know as soon as possible if you think you might have payment difficulties, we’ll work together to find a solution. Get in touch with us and let's discuss.

Find the right solution for you

I need a business loan to...

Supported by real people
Hands-on guidance comes with every application, with our dedicated Sales Team. Get started now and see if you qualify for a Revolving Credit Line.

Talk to an expert

First Circle customer stories

Since 2016, we've supported thousands of businesses, funding loans worth ₱5+ Billion total

Let our customers tell you how First Circle has supported their businesses through our fast, fair, and flexible financing.

Meet our customers

Christine Siazon

Red Dot Design, Inc.

"With First Circle, we are able to manage our cashflow really well. It has been allowing us to accept more projects by around 20%."

Anthony Troy Nido

A.T. Nido Enterprises

"When I partnered with First Circle, I was able to expand and serve other areas within Luzon. I became more confident to expand because of First Circle's help."

James Navarro

DBTIC 19:13 Co.

"Within a short amount of time, even without collateral, we were able to secure cash with First Circle. This resulted in funding our supplies, which enabled us to help farmers and supply our partners."

Josephine Talorong

JPT Pro-Earth Services

"First Circle’s online system is very efficient, it saves us a lot of costs. Because for us, every single day we lose is an unnecessary cost."

First Circle

Others

No Collateral

Simple & online application

No hidden fees

Fast processing &
convenient access

Time taken to apply

Minutes

Days

Money in account

5 Days *

30 Days

* This processing time assumes timely submission of required information and documents by the customer as well as an average document verification timeline.

Why Finance with First Circle?

Because you wouldn’t have it any other way. We’ve all been there before. Long lines at the bank or loan sharks with cut-throat interest rates. No one wants to be in this situation anymore.

First Circle’s financing services are made especially for business owners who receive purchase orders and issue invoices. These are small and medium enterprises who encounter increased demand in the form of large orders, the need to pay suppliers in cash, or extend credit to customers.

All these scenarios cause cash flow gaps that may limit the potential for growth of your business. First Circle is here to help business owners get access to quick funding when they find themselves in such situations.

Apply for Credit Line

Process & Requirements

“First Circle is something that will really make a big difference to help SMEs in the Philippines.”

Ramon Lopez

Secretary, Department of Trade and Industry (DTI)

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