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.
¹ Note
Your maximum credit limit will depend on your business size and performance.

How to get a Revolving Credit Line

Apply online and speak with an Account Manager

One of our Account Managers will get in touch to understand what your business needs are, and give tailored solutions to help your business grow.

Submit personal, business, and transaction documents

Send your documents in however way you want: email, Viber, or Facebook Messenger; and we’ll give you a revolving credit line decision with 5-7 business days.

It's that easy!
Start using your new revolving credit line and scale your business!

Once you’ve received your revolving credit line: simply choose your own loan terms and get access to your funds right away!

Common questions

Here are common questions our customers ask. For other questions, check our Help Center.
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 Revolving Credit Line.
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
First Circle
No Collateral
Simple & online application
No hidden fees
Fast processing &
convenient access
Time taken to apply
Money in account
5 Days *
30 Days
* This processing time assumes timely submission of required information and documents by the customer as well as an average document verification timeline.
Why Finance with First Circle?

Because you wouldn’t have it any other way. We’ve all been there before. Long lines at the bank or loan sharks with cut-throat interest rates. No one wants to be in this situation anymore.

First Circle’s financing services are made especially for business owners who receive purchase orders and issue invoices. These are small and medium enterprises who encounter increased demand in the form of large orders, the need to pay suppliers in cash, or extend credit to customers.          

All these scenarios cause cash flow gaps that may limit the potential for growth of your business. First Circle is here to help business owners get access to quick funding when they find themselves in such situations.
Apply for 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.
“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)