Borrow up to P25 million at rates as low as 0.79%

Your Business Credit Line can now go up to ₱25 million, with interest rates as low as 0.79%.* Whether you're covering payroll, restocking inventory, or funding a new opportunity, a higher credit line gives you more room to move when your business needs it. And it's never been easier to manage, right from your First Circle account.

*Credit approval, limits, and rates granted may vary upon assessment based on existing First Circle policies. Reach out to your Account or Relationship Manager to find out if this applies to your account.

Managing your Business Credit Line online

Your First Circle account gives you several ways to manage your Business Credit Line online — from rescheduling, early repayment, and drawdowns, to direct debit payments. 

Here's a closer look at what's available to you today simply by accessing your account.

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Drawdown funds

Select your loan amount, terms, disbursement account, and repayment method all online. If your plans change, drawdown requests can also be cancelled directly from the loans table. 

Choose your own repayment date

When setting your loan terms, you can select your preferred first repayment date, shown as "Repay on a fixed date of the month." Use this to align repayments with your business's cash flow cycle.

Pay by direct debit

For eligible companies, direct debit lets repayments happen automatically, removing the need for manual transfers on every due date. Availability depends on your company's account setup. You can contact your Account or Relationship Manager to confirm your eligibility.

‍Save on interest by repaying early

Make an early repayment on an eligible loan directly from your account - choose your repayment date and see how much you would save on interest. The earlier you pay, the more you can save.

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Reschedule your loan

If your repayment schedule no longer fits your business's cash flow, you can update it yourself, whenever it's convenient. From your loans table, select Reschedule repayment to adjust your terms directly.

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Coming soon: What's new from First Circle

USD Disbursements

If your business deals in US Dollars, you will soon be able to receive your Business Credit Line disbursement in USD straight to your account, no manual conversions needed.

Payroll and Invoices

Managing payroll and invoices shouldn't mean juggling separate tools. We're building both directly into your First Circle account. Soon you can manage payroll cycles for your team or create automated invoices and get paid faster, all online on your First Circle Account.

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Want to get first access to these features? Reach out to your Account or Relationship Manager, or contact support@firstcircle.com or (+632) 8580 3200, to check your eligibility.