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. 5 business days means timely submission of documents and average verification time.

How First Circle works

Fast & Simple Financing
Get funds in 5 to 10 days¹

Apply 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 Terms
Keep funds as long as you need

We 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.

It's that easy!
Flexible Payment Options
You're in control:
Pay early to apply again

Only 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.

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 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

Choose a loan type that fits your needs

Loan type
Amortizing loan
Manage your cash flow
invoice financing
Get paid now
P.O. financing
Take on more orders
Fulfill an order by getting paid 60% of each P.O. ahead
Get paid ahead for 70% of each unpaid invoice's amount
One big loan plan for all of the invoices or P.O.s you submit
Description
Single payment at the end (based on buyer's payment date)
Single payment at the end (based on buyer's payment date)
Pay monthly, every 2 weeks or weekly
Payment frequency
1 - 6 months
1 - 4 months
1 - 4 months
Loan duration
1.44% -4.04% / mo.
1.99% -4.79% / mo.
2.49% -5.29% / mo.
Interest rate*
*The interest rate may vary depending on the nature of your business and the loan amount you ask for.
invoice financing
Get paid now
Get paid ahead for 70% of each unpaid invoice's amount
Payment frequency
Single payment at the end
Loan term
1 - 4 months
(Based on buyer's payment date)
Interest rate
1.99% - 4.79% / mo.
Learn more
p.o. financing
Take on more orders
Fulfill an order by getting paid 60% of each P.O. ahead
Payment frequency
Single payment at the end
Loan term
1 - 4 months
(Based on buyer's payment date)
Interest rate
2.49% - 5.29% / mo.
Learn more
amortizing loan
Manage your cash flow
Get one big loan for all of the invoices or P.O.s you submit
Payment frequency
Pay monthly, every 2 weeks, or weekly
Loan term
(Based on buyer's payment date)
Interest rate
1.44% - 4.04% / mo.
Learn more
Not sure which solution is for you?
Talk to an expert.
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)