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

First Circle, an SEC and DTI-accredited financial institution, provides fast, no-collateral business loans. Apply 100% online, and get up to ₱2.5M to start, in 5 to 10 days.¹

Sign up to get started

Trusted by


‍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.

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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 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 processing fee of 1.99% per transaction, with rates that vary from 1.99% to 4.74% per month, for up to 6 months.

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

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), Articles of Partnership (for partnerships).

Once your information is verified and you're eligibility is confirmed, just have your fresh purchase orders or unfulfilled invoices ready, and you can proceed with your business loan application.

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

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.

How can I get a business loan?

Start your application by checking your eligibility here. After successfully filling out the form, our Sales Team will contact you to discuss the steps and requirements for a business loan offer.

What can I use the business loan for?

Generally, our business customers partners with First Circle to help with cash flow, to fulfill unpaid invoices and fresh purchase orders from their buyers. The business loans can then be used then to make their business operate smoother, and possibly grow even further.

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."

“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)

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