How to get a Business Loan

Invoice Financing

Be capable of managing your business without facing challenges on your operating cost.

Waiting for clients' payments to be fully processed?

No opportunity should be lost because of delayed collections. First Circle's Invoice Financing helps you get the funding you need while you wait for your clients to settle payments for pending invoices.

Invoice 101

An invoice is a document issued by suppliers to buyers after a product or service has been delivered as a bill or a statement of the amount due to be paid after a specified timeline.

First Circle will also accept documents similar to invoices, such as Billing Statements and Delivery Receipts.
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  • Improve your cash flow

    Monetise invoices now instead of waiting for clients to pay.
  • Grow your business
    Keep saying yes to larger orders and new clients with enough capital.
    • Build client relationships
      Extend payment terms for you most valued customers.

    Invoice Financing

    Getting paid now
    Best for
    Get paid ahead for 70% of each unpaid invoice’s amount
    Single payment at the end (based on buyer's payment date)
    Payment frequency
    1 - 4 months
    Loan duration
    1.99% - 4.79% / mo.
    Interest rate*
    Sample Invoice
    How it works

    Getting your Invoices financed has never been this convenient. Upload your documents now.

    Your invoices will be reviewed and you will get a loan decision within 5-7 business days. Once you accept our loan offer, the funds will be in your bank account within 5 business days. This processing time assumes timely submission of required information and documents by the customer as well as an average document verification timeline.
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    Process & Requirements

    Common questions

    Here are common questions our customers ask. For other questions, check our Help Center.
    Find the right solution for you

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    Hands-on guidance comes with every application, with our dedicated Sales Team. Get started now and see if you qualify for a business loan.
    Talk to an expert
    “First Circle is something that will really make a big difference to help SMEs in the Philippines.”
    Ramon Lopez
    Secretary, Department of Trade and Industry (DTI)