Business loans with terms of up to 2 years
Why customers choose us for business loans?
Plan ahead with confidence
Secure the funds you need with Business Credit Plus and stay in control of your business growth.
Save more with better 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
No Collateral Requirement
All credit options are zero-collateral
Loan Period
13 – 24 Months
Best Price Guarantee
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 |
Eligibility Requirements
Business Documents
Your business is registered with BIR, DTI (for sole proprietorship) or SEC (for partnership or corporation)
Business Owner
You are a resident of the Philippines, with a valid government-issued ID or Alien Registration Card (ARC)
Business Documents
Your annual business revenue is at least ₱5 million
If you meet all these qualifications, get a free credit line assessment in 3 minutes.
FAQs
A Business Credit Line gives you flexible access to funds that you can draw and repay as needed.
Business Credit Plus is a fixed-term loan — ideal for larger, one-time investments. You receive the full amount upfront and repay it over a period of up to 2 years.
Business Credit Plus is designed for major growth moves — like expanding your business, entering new markets, or purchasing equipment and assets.
Start here!
Simply tell us about your business and we'll reach out to ask for a few documents from you. Upload them on a secured online platform, and you're done—we'll handle the rest.
Have more questions? Visit our Help Center
Quick and easy application process
Apply online in 5 minutes
Only 3-7 documents needed
No paperwork, no branch visits — 100% online
Need a different credit product?
Express Business Loan
Bridge cash flow gaps and cover urgent expenses with a fast, short-term business loan—receive in 1 day, no collateral required.
Business Credit Line
Grow smarter with a non-collateral credit line of up to ₱20M —use what you need, repay on your terms.
Future Salary Access
Empower your employees with flexible salary loans that improve retention and come at no financial risk to your business.
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