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.

Get a business loan in 1 day

when you open a non-collateral credit line of up to ₱20 million for free
Apply for a Credit Line
Check Rates & Loan Amounts
First Circle provides up to 20 million in business loans with no collateral
"Our partnership with First Circle enables our company to move faster, acquire more clients, and serve our existing IoT clients better."
Charlie Fernando, President & CEO of CLIXLogic Inc.
DTI former secretary Ramon Lopez with First Circle
DTI Philippines and First Circle renew partnership to provide funding and financial literacy support to more SMEs
Ramon Lopez, former DTI Secretary
Clixlogic CEO Charlie Fernando, First Circle CEO Patrick Lynch
"Our partnership with First Circle enables our company to move faster, acquire more clients, and serve our existing IoT clients better."
Charlie Fernando, President & CEO of CLIXLogic Inc.

What makes our product the best in the market?

Withdraw a business loan in just 2 business days
Withdraw a business loan from your credit line on the same business day
Get a business loan amount of up to 20 million
Get up to ₱20 million credit limit with no collateral or application fees
Pay only when you withdraw a business loan from your credit limit
Pay only for the credit you use and get rebates for early repayment
Dedicated contact to help with business loan withdrawals
Dedicated contact person to assist with application & withdrawals

What are our rates & terms?

Business Annual Revenue
Credit Limit
Monthly Interest
>₱200 million
₱10 million to ₱20 million
₱15-200 million
₱1 million to ₱10 million
1.29% to 1.49%
<₱15 million
₱250,000 to ₱2 million
2.39% to 2.49%
Unlike bank loans for business, our business loan is non-collateral
Collateral requirement
Our business loan period is from 1-12 months, just like other SME business loans in the Philippines
Loan Period
1, 3, 6, or 12 months
Choose to pay your small business loan from monthly to one-time repayment
Repayment options
Monthly, bi-monthly, or one-time
Our business loan interest rate can be lowered by 10% if you have another non-collateral business bank loan or government business loan
Best Price Guarantee
We’ll beat other unsecured loan offers by 10%

What are our eligibility requirements?

If you meet all the qualifications in our checklist, your next step is to get a free credit line assessment. It only takes 3 minutes!
Get a credit line assessment
Your business is registered with BIR, DTI (for sole proprietorship) or SEC (for partnership or corporation)
You are a resident of the Philippines, with a government-issued Valid ID or Alien Registration Card (ARC)
Your business annual revenue is at least ₱5 million

How to apply for a business loan

Step 1. Apply online
See if you qualify for financing by completing a short online application form. You will receive a call or email from us regarding your application in 1 business day.
Step 2. Submit requirements
If you passed our initial screening, a dedicated Account Manager will help you collect your requirements. Our paperwork is minimal and you won’t pay any fees!
Step 3. Use your credit line
Just contact your Account Manager or log in to your account whenever you need funds from your credit line. We disburse funds to any local bank in 1 business day.
See our full Process and Requirements

What are your documentary requirements?

You won’t have to submit these documents until we confirm that you are qualified for a credit line.
A dedicated Account Manager will help you collect them once you are ready to proceed with your credit line application.

Frequently-Asked Questions

Have more questions? Visit our Help Center.

Ready to start your application?

Yes, I’ll apply nowNo, but I'll stay in touch
“First Circle is worth looking at because it can address the issue of small businesses who cannot get finance from banks.”
Sergio Luis Ortiz
President, Philippine Exporters Confederation, Inc. (PhilExport)