BUSINESS CREDIT PLUS

Customise your loan to fit your business needs

Apply nowSee rates and loan amounts

Gain control over your finances, no collateral needed

Get same-day approval
Simple, fixed fee
No collateral required

Plan ahead with confidence

Secure the funds you need with Business Credit Plus and stay in control of your business growth.

Save more with smarter terms

Enjoy cost-effective loan options and benefit from early payment rebates that help you reduce expenses.

No collateral required

Access financing at lower risk, giving you more freedom to grow your business.

Design your loan to fit your needs

Get rapid access to funds
Get approved in just 3-5 business days, with same-day disbursements to keep your business moving.

Borrowing designed for SMEs

Our credit solutions are designed specifically to meet the unique needs of small and medium businesses.

Customise terms to suit your needs

Adjust your loan structure to fit your business needs, giving you full control over repayment.

Rates & Terms

Collateral Requirement
None
Loan Period
13 – 24 Months
Flexibility
3 months to drawdown from approval date
Repayment Options
Monthly

Annual Business Revenue

Credit Limit

Monthly Interest

Fees

Over ₱ 200 million
₱ 10 - 20 million
From 1.49%
None
₱ 15 - 200 million
₱ 1 - 10 million
From 1.89%
Processing Fee
ANNUAL BUSINESS REVENUE
Over ₱ 200 million
Credit Limit
₱ 10 million - ₱ 20 million
MONTHLY INTEREST
0%
FEES
3% Processing Fee
ANNUAL BUSINESS REVENUE
Between ₱ 15 - 200 million
Credit Limit
₱ 1 million - ₱ 10 million
MONTHLY INTEREST
0%
FEES
3% Processing Fee
ANNUAL BUSINESS REVENUE
Under ₱ 15 million
Credit Limit
₱ 250,000 - ₱ 2 million
MONTHLY INTEREST
0%
FEES
3% Processing Fee

Eligibility Requirements

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Business Registration

Your business must be registered with the BIR and either the DTI (for sole proprietorships) or SEC (for partnerships or corporations), and must have been operational for at least one year.
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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 these qualifications, get a free credit line assessment in 3 minutes.
Get a credit assessment

FAQs

How is this different from a Business Credit Line?
Who is this best for?
How can I apply?

Have more questions? Visit our Help Center

Get same or next-day account opening.
No paperwork, no branch visits.

5 minutes to apply

Simply submit an online application form with 3-7 documents required from the comfort of your own office or home.

Open an account today
Need a different credit product?

Express Business Loan

Cover any urgent expenses and bridge operational gaps with  ultra-fast short-term financing that gets processed within 1 day.

Learn more

Business Credit Line

Get up to 20 million pesos from the best credit line for SMEs with greater flexibility and control.

Learn more

Smart Salary Advance

Uplift your employees with flexible employee wellbeing loans for healthcare and training or education expenses.

Learn more

Join the 5000+ businesses that chose First Circle

With First Circle, immediate ang rescue, hindi kami kailangan pumunta sa inyo. Sasabihin lang namin na maglo-loan kami, processed na agad, hindi ka na maghihirap.
Anita Mataga, Managing Partner
FlexNet System Incorporated
Partner since 2022
With lower interest rates, faster release, and of course the good customer service and relationship with First Circle, we’re here to stay for long.
Ma. Linda Moya, President
Richworld Infra Solutions Corp.
Partner since 2023