BUSINESS CREDIT PLUS

Business loans with terms of up to 2 years

Apply nowSee rates and loan amounts

Why customers choose us for business loans?

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

No Collateral Requirement

All credit options are zero-collateral

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 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 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

Quick and easy application process

Apply online in 5 minutes

Only 3–7 documents needed

No paperwork, no branch visits — 100% online

Open an account today

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.

Learn more

Business Credit Line

Grow smarter with a non-collateral credit line of up to  ₱20M —use what you need, repay on your terms.

Learn more

Smart Salary Loans

Empower your employees with flexible salary loans that improve retention and come at no financial risk to your business.

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