How to get a Revolving Credit Line?

A Revolving Credit Line is like a credit card for your business. It gives you the flexibility to borrow money within a set limit whenever you need it.

Once you've taken a loan from your credit line, just pay it back to access your full credit limit again. Re-use your credit limit as many times as you want!

Our mission is to be the biggest driver of SME growth in Southeast Asia, and we believe the only way to do this is by creating long-term partnerships with our customers.

By choosing First Circle, you are choosing a partner that's dedicated to your long-term growth rather than a short-term profit.

To get a Revolving Credit Line, your business should meet the following criteria:
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1. Registered with BIR and DTI (if sole proprietorship) or SEC (if partnerships or corporation)
2. Business address must be in NCR, Central Luzon, CALABARZON, Central Visayas, Northern Mindanao, or Davao Region
3. Annual revenue of at least P5M
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If qualified, you can fill out our business loan application form in just 1 minute. After successfully filling out the form, our Sales Team will contact you to discuss the steps and requirements.

Interest rates
Interest rates start as low as 1.39% and can be lowered further if you are eligible to avail of our Best Price Guarantee.

Credit line validity
Your credit line will remain valid as long as you keep your business documents up-to-date.

Loan duration
Up to 6 months
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Flexible convenience fees
Choose between a per-withdrawal processing fee or a fixed-rate subscription fee for unlimited withdrawals.

Our Best Price Guarantee is available to any business that has a valid First Circle Revolving Credit Line and meets the definition of an SME according to the Department of Trade and Industry (DTI). The DTI defines SMEs as companies with "an asset size (less land) of up to PhP100 million; and (2) an employment size with less than 200 employees."

Our Best Price Guarantee means that SMEs who receive a Revolving Credit Line from First Circle can request a price that is 10% lower than any non-collateral loan offer from another registered finance company in the Philippines.

By "price", we mean the total cost of finance which we calculate as the annual percentage rate (APR) which is legally required to be quoted in the loan contract. When calculating the APR for First Circle and any other providers, we will include all fees regardless of how they are named (i.e. processing fees, interest payments, admin fees, etc).

If you do not have a First Circle Revolving Credit Line (RCL) yet, start your application by visiting our Apply Now section above.  This lets us perform a preliminary assessment of your business. Note that the Best Price Guarantee is only available to SMEs who are approved for an RCL.

You may share the loan offer you wish to use to avail of the Best Price Guarantee anytime before or after you receive your RCL. All information you provide to us will be protected by our Privacy Policy.

You may reach our Customer Support agents in real time from Mondays to Fridays, 9 AM to 6 PM at the following channels:

Landline: (+632) 8580 3200
Facebook Messenger: https://www.messenger.com/t/firstcircleph
Live Chat: Select the 'Chat' or 'Help' button on the bottom right of the First Circle website.

You may still contact us above or email us at support@firstcircle.com on weekends, holidays, or non-operating hours beyond 6PM. We will respond to your query as soon as business hours resume.