How to get a Business Loan

Rates & Terms

Discover the terms of our financing services and the associated interest rates. We make sure that you find a solution that's tailor-made for your SMEs needs.

We value transparency

You are sure to know about all the costs associated with your loan.

Interest Rates

Interest rates are tailored to your company's profile and business needs. You are assured that all best effort is put into making the convenience fees and interest rates accurate, fair, and reasonable.

Your financing application goes through a rigorous yet efficient decision-making process, and you are regularly updated about its progress.
Apply for Business Loan
  • Loan duration
    Up to 6 months
  • Monthly interest rate
    Ranges from 1.74% to 3.49% per month. Interest rates may vary depending on your business profile, loan amount, term length, payment frequency, or the buyers you transact with.
  • Flexible Convenience Fee
    Choose between a processing fee (1.99% of the principal amount) or a subscription fee for unlimited free drawdown.

Frequently Asked Questions

Here are common questions our customers ask. For other questions, check our Help Center.
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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 is something that will really make a big difference to help SMEs in the Philippines.”
Ramon Lopez
Secretary, Department of Trade and Industry (DTI)