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Business CREDIT LINE

Business loans and flexible credit lines

Apply nowSee rates and loan amountsSee rates and loan amounts

Take your business to the next level

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Scale your business– support expansion

Empower your business to scale dynamically, providing flexible support for your business’ expansion.
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Fund marketing, R&D and other initiatives

Fuel your business's innovation and growth by accessing funds for marketing, R&D, and other strategic initiatives.
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Ease cashflow gaps, sudden expenses

Bridge cashflow gaps and handle sudden expenses effortlessly, ensuring financial stability for your business.

First Circle’s Business Credit Line
– the best at everything our customers care about most

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Largest

Get up to ₱20 million credit limit with no collateral or application fees.
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Cheapest

Credit line with rates starting at just 0.99% per month.
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Fastest

Withdraw a business loan from your credit line on the same business day.
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Most Flexible

Take money on your terms, with rebates for early repayments.
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Most Convenient

Drawdown in a few clicks, with zero paperwork.
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Best Service

Ask for assistance any time from your dedicated relationship manager.

Credit limits designed for your business

Discover tailored credit limits crafted specifically for your business needs, providing the financial flexibility to fuel growth and seize opportunities with confidence.
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Funding on your terms

Customize your loan plan duration and payment terms to fit your unique needs, ensuring flexibility and control every step of the way.

Save time by delegating tasks

Boost efficiency by entrusting tasks to your dedicated finance team, allowing you to focus on what matters most in your business.
Who will write the checks screenSelect a user dropdown
Who will write the checks screenSelect a user dropdown

Rates & Terms

Annual Business Revenue

Credit Limit

Monthly Interest

Fees

Over ₱ 200 million
₱ 10 - 20 million
0.99%
None
Between ₱ 15 - 200 million
₱ 1 - 10 million
1.29% - 1.49%
Processing Fee or Subscription Fee
Under ₱ 15 million
₱ 250,000 - 2 million
2.39% - 2.49%
Processing Fee or Subscription Fee
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Collateral Requirement
None
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Loan Period
1, 3, 5, or 12 Months
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Best Price Guarantee
10% better loan offers
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Repayment Options
Monthly, Bi-Monthly, or One-Time

Rates & Terms

Annual Business Revenue

Credit Limit

Monthly Interest

Fees

Over ₱ 200 million

₱ 10 - 20 million

0.99%

None

Between ₱ 15 - 200 million

₱ 1 - 10 million

1.29% - 1.49%

Processing Fee or Subscription Fee

Under ₱ 15 million

₱ 250,000 - 2 million

2.39% - 2.49%

Processing Fee or Subscription Fee

Annual Business Revenue

Select your annual revenue range to see the rates and terms we can offer your business.

Credit Limit

₱ 10 - 20 Million

Monthly Interest

0.99%

Fees

None

Credit Limit

₱ 1 - 10 Million

Monthly Interest

1.29 - 1.49%

Fees

Processing or Subscription Fee

Credit Limit

₱ 250,000 - 2 Million

Monthly Interest

2.39 - 2.49%

Fees

Processing Fee or Subscription Fee

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Collateral Requirement

None

Loan Period

1, 3, 5, or 12 Months

Best Price Guarantee

10% better loan offers
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Repayment Options

Monthly, Bi-Monthly, or One-Time

Eligibility Requirements

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Business Documents

Your business is registered with BIR, DTI (for sole proprietorship) or SEC (for partnership or corporation).
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Business Owner

You are a resident of the Philippines, with a valid government-issued ID or Alien Registration Card (ARC).
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Business Financials

Your annual business revenue is at least ₱5 million.
If you meet all the qualifications on our checklist, your next step is to get a free credit line assessment.

It only takes 3 minutes!
Get a credit line assessment

FAQs

What is a Revolving Credit Line?
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What is the difference between a credit line and a business loan?
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How is your business loan different from a bank business loan?
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What are your business loan fees and charges?
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How is the Processing Fee different from the Subscription Fee?
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What are your application requirements?
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What is the credit line application process?
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How do I know if my application is approved?
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How do I withdraw a business loan from my credit limit?
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How do I repay a business loan from my credit line?
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Can I open a credit line even if I don't need it right away?
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Do you offer microloans or start up business loans without collateral?
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What is First Circle?
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Have more questions? Visit our Help Center

Open an account in one day

No paperwork

Online application form in 5 minutes with 3-7 documents required.
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No branch visits

Open your account from the comfort of your own office or home.
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Same or next-day account opening

Start banking without delay.
Open an account today

Why Smart Businesses choose First Circle

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To grow

₱11 billion in loans given to support business growth
Average 80% revenue growth experienced within 2 years
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To save time

5 minute account opening
Loans disbursed in 1 day
No paperwork needed
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To save money

Most affordable no-collateral funding available
Fee-free payments
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To minimize risk

Minimize downside risk
Never miss an opportunity due to cashflow gaps

security is our priority

Our Investors

Our PARTNERS

First Circle is regulated by the Securities and Exchange Commission (SEC). For concerns, you may contact SEC at (+632) 8818-5554 or [email protected].