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!
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
Learn more
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Go Negosyo
Quezon City LGU
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 FintechThe fintech 250
First Circle customer stories

See what customers are saying about First Circle

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)
First Circle
No Collateral
Simple & online application
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No early repayment fees
Credit line that grows with your business
Application processing
2-3 Business Days
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

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% for your unpaid sales invoices, billing statements, delivery receipts, acknowledgment receipts, and SOAs.
Not sure which solution is for you?
Talk to an expert.