Process & Requirements

How to get a Revolving Credit Line?

A handful of steps that are all online with minimal paperwork.
Apply for a Revolving Credit Line through the following steps
Step 1

Apply online and speak with an Account Manager

Start by seeing if your business is eligible for a Revolving Credit Line by clicking the button below. If you are qualified, an Account Manager will call you within 1 business day to understand what your needs are.

If you decide to proceed with your application, your Account Manager will assist you in completing your loan requirements.
Apply for Revolving Credit Line
  • Easy Access to Your Additional Funds
    Just apply once and access up to ₱20M of re-usable credit. Unlock lower prices and higher limits as you use your line.
  • Best Price Guarantee
    Rates start as low as 0.99% per month. If you have a better offer for non-collateral SME loans, we'll beat the price by 10%
  • Fast Processing Time
    The entire application process only takes 2 business days after your submit complete requirements.
  • Dedicated Support
    Get hands on guidance from our team of dedicated account managers.
Step 2

Complete your application documents


Send your personal, business, and transaction documents to your Account Manager any way you want: through email, Viber, or Facebook Messenger. Once you submit clear photos of these documents, First Circle will verify them and give you a Revolving Credit Line decision in 1-2 business days.
  • Valid Government ID
    • Basic business information
    • Information on your trading relationships
    • Bank statements and audited financial statements
    Step 2

    Submit personal, business, and transaction documents

    Send your documents in however way you want: through email, Viber, or Facebook Messenger. View our document checklist to see guidelines on what we accept.

    Once you submit clear photos of these documents, First Circle will verify them and give you a Revolving Credit Line decision within 5-7 business days. No minimum transaction amount is required to avail of business financing.
    Apply for Revolving Credit Line
    Step 3

    Use and re-use your credit line whenever you need it!

    Once your credit line is active, you can log in to your account or contact your Account Manager to request for a business loan any time you need it.

    We will schedule a courier to pick up your post-dated cheques (PDCs) within our serviceable areas: Metro Manila and some areas of Rizal, Cavite, Bulacan, and Laguna. For customers outside of these areas, you will have to deliver the cheque to us at your expense.
    Apply for Revolving Credit Line
    • Funds straight into your bank account

      Approved funds will be transferred directly to your bank account. Funds will be transferred once we have collected cheques and will reflect within 1-2 banking days.

    Frequently Asked Questions

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

    I need a business loan to...

    Supported by real people
    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 worth looking at because it can address the issue of small businesses who cannot get finance from banks.”
    Sergio Luis Ortiz
    President, Philippine Exporters Confederation, Inc. (PhilExport)