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.

We have grown 1000s of SMEs since 2016!

The smartest, most ambitious businesses choose First Circle as their business partner,
Grow your business with our financing, payments, and marketplace products.
Complete with a dedicated account manager to support your growth every step of the way!
We are consistently recognized as one of the best businesses in the Philippines.
As seen on the Inquirer Growth Champions 2022 and the Financial Times Asia-Pacific High Growth Companies 2022

Helping businesses grow through long-term partnership

Increasing sales

Every business needs sales, which is why we provide free tools to help you discover new opportunities, learn from other businesses, and even see what we've done to grow our own sales!

Funding your growth

Once you've got tons of new projects and orders coming in, managing cash flows can get tricky. We make sure that our financing tools can move as fast as you do! Just apply once and get funds anytime.

Growing with you

We don't just support growing businesses, we grow with you! Loyal First Circle customers can expect lower prices, more funding, early access to new products, and lots of other awesome perks!

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)

Discover new bidding opportunities with our Project Finder

Find government contracts that are relevant to your business with one quick search. Set up free SMS and email alerts so you never miss out.
Search for a project
First Circle
No Collateral
Simple & online application
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 and more growth with our selection of financing products that are tailor fit for growing SMEs.
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.