How Do I Renew My First Circle Credit Line?
Quick Answer
Key Takeaways
Update as of July 21, 2026: The 2026 validity and renewal deadline for First Circle's Business Credit Line has been extended from June 30 to July 31, 2026.
Your credit line provides immediate financial support for new business opportunities or unexpected cash flow gaps. It also gives you flexibility and ensures you always have working capital to manage your business operating expenses efficiently. As a Business Credit Line client, you can draw down funds same-day for your business needs, and repay on flexible terms of up to 12 months.
Why Does My Business Credit Line Need Annual Renewal?
Annual renewal ensures your credit limit and terms continue to reflect your business's current financial standing, so you're always matched to the right financing for where your business is today.
Upon renewing your Credit Line, please expect that credit approval, limits, and rates granted may vary upon assessment based on existing First Circle policies.
When Is the Credit Line Renewal Deadline?
The renewal deadline for all First Circle Business Credit Line partners is June 30 every year. For 2026, however, this has been extended to July 31, 2026.
First Circle recommends submitting your documents at least one month early — by end of May — to give our team enough time to process your renewal without interrupting your credit access.
How Do I Renew My First Circle Credit Line?
Simply upload the latest business documents listed below via the Documents tab on your First Circle account, or send them to support@firstcircle.com or Account Manager.
What Documents Do I Need to Renew My Credit Line?
- 2025 Audited Financial Statement (AFS) or Latest Income Tax Return (ITR)*
- Bank Statements from the last 6 months
- Latest Secretary's Certificate. For corporations only.
- Updated future revenue documents. These are undelivered purchase orders or unpaid invoices covering the next 3–6 months. These provide visibility into your upcoming cash flow.
- Trading Relationship documents. Documents demonstrating your ongoing relationships with clients or suppliers.
*ITRs are only accepted as an alternative to 2025 AFS for Sole Proprietorships.
Where Do I Submit My Renewal Documents?
You may upload your renewal documents to your First Circle account. Otherwise, please send them to:
- Email: support@firstcircle.com
- Or directly to your assigned First Circle account manager
If you're unsure who your account manager is, you can reach the First Circle team at +63 2 8580 3200. We are available from Mondays to Fridays (except holidays) from 8:00 AM to 6:00 PM.
Frequently Asked Questions
What Happens If I Miss the Renewal Deadline?
If your documents are not received by June 30, your credit line withdrawals will be blocked until all requirements are submitted and processed. This means you won't be able to draw down funds until renewal is complete.
How Can I Make the Renewal Process Faster?
- Renew at least one month early to avoid disruptions to your financing access.
- Request your AFS and/or Secretary's Certificate early. Audited Financial Statements are the most common source of delay, as it takes several weeks to prepare.
- Set a recurring annual reminder ahead of the renewal date. A one-month headstart of May 31 is usually enough to complete all documents.
Need Help With Your Renewal?
Contact the First Circle team:
- Email: support@firstcircle.com
- Phone: +63 2 8580 3200
*Credit approval, limits and rates granted may vary upon assessment based on existing First Circle policies.
First Circle Growth Finance Corp. is a financing company with SEC Registration No. CS201605477 and CA No. 1108. It is regulated by the Securities and Exchange Commission with the email flcd_queries@sec.gov.ph. For any questions, you may reach out to support@firstcircle.com.
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