We're committed
to providing business loans, even during COVID-19

First Circle, an SEC and DTI-accredited financial institution, provides fast, fair, and flexible business loans. Apply 100% online and get up to ₱2.5M to start, in 5 to 10 days.¹

Apply for a Business Loan

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
‍See how DBTIC grew
their sales by 50%

¹ Note

Your maximum credit limit will depend on your business size and performance. 5 business days means timely submission of documents and average verification time.

Business loan calculator

Get a preview of the interest rates based on your specific needs.

I need a business loan to...

My required loan amount is around...

I will pay back after...

My company is registered as a...

My company sells mainly to...

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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

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.

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 business loan for?

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

How can I get a business loan?

To get a business loan, your business should meet the following criteria:
‍
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.
‍
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 business loan.

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, DTI (for sole proprietorship) or SEC Certificate of Registration (for corporations and partnership), Proof of billing of your business, General Information Sheet (for corporations), and Articles of Partnership (for partnerships).

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 business loan application.

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

What are your rates?

We only charge interest on your outstanding balance for the days you have the funds. No hidden fees, no application fees, and no commitments.

We have a convenience fee of 1.99% per loan, with interest rates that vary from 1.44% to 5.29% per month, depending on the type of loan you want and your business profile. We give short-term loans of up to 6 months.

For example: if you had a 3% monthly interest rate, you would pay only ₱10 per day, for every ₱10,000 you have outstanding.

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 business loan.

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."

Choose a loan type that fits your needs

Loan type

Amortizing loan

Manage your cash flow

invoice financing

Get paid now

P.O. financing

Take on more orders

60% of the amount of
undelivered P.O.s (or similar documents) you received

70% of the amount of your
unpaid invoices (or similar
documents) from your buyers

60-70% of your unpaid invoices, undelivered P.O.s, or signed contracts

Max. loan amount

Single payment at the end (based on buyer's payment date)

Pay monthly, every 2 weeks or weekly

Payment frequency

1 - 6 months

1 - 4 months

Loan duration

1.44% - 4.04% / mo.

1.99% - 4.79% / mo.

2.49% - 5.29% / mo.

Interest rate*

Learn more

*The interest rate may vary depending on the nature of your business and the loan amount you ask for.

invoice financing

Get paid now

Get paid ahead for 70% of each unpaid invoice's amount

Payment frequency

Single payment at the end

Loan term

1 - 4 months

(Based on buyer's payment date)

Interest rate

1.99% - 4.79% / mo.

Learn more

p.o. financing

Take on more orders

Fulfill an order by getting paid 60% of each P.O. ahead

Payment frequency

Single payment at the end

Loan term

1 - 4 months

(Based on buyer's payment date)

Interest rate

2.49% - 5.29% / mo.

Learn more

amortizing loan

Manage your cash flow

Get one big loan for all of the invoices or P.O.s you submit

Payment frequency

Pay monthly, every 2 weeks, or weekly

Loan term

(Based on buyer's payment date)

Interest rate

1.44% - 4.04% / mo.

Learn more

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

“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)

4 Business Tips for the BER Months: Manage 13th month pay and more

November 30, 2020

First Circle and DTI Renew Partnership to Secure Future of SMEs

November 19, 2020

We're committedto providing business loans, even during COVID-19

How First Circle works

Fast & Simple Financing

Get funds in 5 to 10 days¹

Fair & Transparent Terms

Keep funds as long as you need

Flexible Payment Options

You're in control: Pay early to apply again

Business loan calculator

How First Circle works

Common questions

What can I use the business loan for?

How can I get a business loan?

What are the requirements?

What are your rates?

How is First Circle different from a bank?

What happens if I can't make a payment?

Find the right solution for you

I need a business loan to...

First Circle customer stories

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

Choose a loan type that fits your needs

Loan type

Amortizing loan

Manage your cash flow

invoice financing

Get paid now

P.O. financing

Take on more orders

Max. loan amount

Payment frequency

Loan duration

Interest rate*

*The interest rate may vary depending on the nature of your business and the loan amount you ask for.

invoice financing

Get paid now

Get paid ahead for 70% of each unpaid invoice's amount

Payment frequency

Single payment at the end

Loan term

1 - 4 months

(Based on buyer's payment date)

Interest rate

1.99% - 4.79% / mo.

p.o. financing

Take on more orders

Fulfill an order by getting paid 60% of each P.O. ahead

Payment frequency

Single payment at the end

Loan term

1 - 4 months

(Based on buyer's payment date)

Interest rate

2.49% - 5.29% / mo.

amortizing loan

Manage your cash flow

Get one big loan for all of the invoices or P.O.s you submit

Payment frequency

Pay monthly, every 2 weeks, or weekly

Loan term

(Based on buyer's payment date)

Interest rate

1.44% - 4.04% / mo.

Solution 1: Fund your purchase orders

We partner with you to fund your ongoing projects

Solution 2: Get paid now for invoices

We help you cover expenses and purchase inventory

4 Business Tips for the BER Months: Manage 13th month pay and more

First Circle and DTI Renew Partnership to Secure Future of SMEs

We're committed
to providing business loans, even during COVID-19

You're in control:
Pay early to apply again