The Bayanihan 2 or Bayanihan to Recover as One (BARO) Act became effective on 15 September 2020.
Click here to know if and how Bayanihan 2 affects your loans with us.

The better way to get a business loan

Grow your business with a financing product made especially for SMEs.

Enjoy the lowest price on non-collateral SME loans—guaranteed!

Check

Receive feedback on your application in just 2 business days.

Enjoy dedicated support from your account manager every step of the way!

Apply for a Credit Line

TRUSTED BY

CITEM

Go Negosyo

Quezon City LGU

Philexport

First Circle is consistently recognized as

One of the top financing companies in the Philippines

As seen on the Inquirer Growth Champions 2022 and the Financial Times Asia-Pacific High Growth Companies 2022

Inclusive Fintech

The fintech 250

First Circle customer stories

See what customers are saying about First Circle

Christine Siazon

Red Dot Design, Inc.

"With First Circle, we are able to manage our cashflow really well. It has allowed 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 enabled us to supply our partners."

Josephine Talorong

JPT Pro-Earth Services

"First Circle’s online system is very efficient. It saves us a lot of unnecessary costs."

View all testimonials

“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)

Private vs. Government: Which is the better business loan provider?

September 30, 2022

A Guide to BPI Business Loans for SMEs

September 22, 2022

First Circle

Others

No Collateral

check

Simple & online application

No early repayment fees

Credit line that grows with your business

Application processing

2-3 Business Days

Months

Releasing money

2 Business Days

30 Days

Never miss another business opportunity

Say yes to more customers, more projects, and more growth with a Revolving Credit Line that's ready whenever you need it.

Apply for a Credit Line

Process & Requirements



Solution 1: Fund your purchase orders

We partner with you to fund your ongoing projects

Sign up to get started

Fund up to 70% of your fresh purchase orders, notices of award, notices to proceed, work orders, or job orders.



Solution 2: Get paid now for invoices

We help you cover expenses and purchase inventory

Fund up to 70% of invoice amount

Sign up to get started

Fund up to 70% for your unpaid sales invoices, billing statements, delivery receipts, acknowledgment receipts, and SOAs.

Not sure which solution is for you?
Talk to an expert.