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.

First Circle is consistently recognized as

One of the best business loan providers for SMEs in the Philippines

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

Inclusive Fintech badge for for First Circle Business LoanFintech 250 logo for First Circle Business Loan
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 business loan application
check icon
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 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.
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.