The better way to get a business loan

Open a credit line for free! Only pay when you withdraw your first business loan.

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

Receive feedback on your credit line application in just 2 business days.

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

Apply for a Credit Line

Learn more

TRUSTED BY

Quezon City LGU for First Circle Business Loan Philippines

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%."

Henri Muzzarelli

Vonotec, Inc.

"First Circle is fast and straightforward with no surprises. I have to say that First Circle is very reliable."

First Circle

Others

Simple & online business loan 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 when you can get a business loan any time you need it.

Apply for a Credit Line

Process & Requirements

Frequently Asked Questions

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

What is First Circle?

First Circle is an SEC-registered financing company in the Philippines that specializes in business loans for growing SMEs. We do this through our Revolving Credit Line product, which helps businesses fund expansion, cover cash flow gaps, and manage their working capital in general.

What is a Revolving Credit Line?

A Revolving Credit Line is like a credit card for your business. It gives you the flexibility to borrow money within a set limit whenever you need it. Once you've taken a business loan from your credit line, just pay it back to access your full credit limit again. Re-use your credit limit as many times as you want!

Why choose First Circle?

Our mission is to be the biggest driver of SME growth in Southeast Asia, and we believe the only way to do this is by creating long-term partnerships with our customers. By choosing First Circle, you are not just choosing a business loan provider. You are choosing a partner that's dedicated to your long-term growth.

How can I get a Revolving Credit Line?

To get a Revolving Credit Line, your business should meet the following criteria:
‍
1. Registered with BIR and DTI (if sole proprietorship) or SEC (if partnerships or corporation)
2. Business address must be in NCR, Central Luzon, CALABARZON, Central Visayas, Northern Mindanao, or Davao Region
3. Annual revenue of at least P5M
‍
If you're interested, you can start your application via our online business loan application form. After successfully filling out the form, our Sales Team will contact you to discuss the next steps and requirements for your business loan.

What are your rates and terms?

Interest rates
Our business loan interest rates start as low as 1.39% and can be lowered further if you are eligible to avail of our Best Price Guarantee.

Credit line validity
Your credit line will remain valid as long as you keep your business documents up-to-date.

Loan duration
Up to 12 months
‍
Flexible convenience fees
Choose between a per-withdrawal processing fee or a fixed-rate subscription fee for unlimited business loan withdrawals.

“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)

A Guide to Business Permit Renewal in the Philippines

January 10, 2023

The 4 Most Common Business Loan Requirements in the Philippines

December 2, 2022