Process & Requirements

How to get a Revolving Credit Line?

A handful of steps that are all online with minimal paperwork.
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 to understand what your business needs are.

Once you submit clear photos of these documents, First Circle will verify them and give you a Revolving Credit Line decision within 2-3 business days. No minimum transaction amount is required to avail of business financing.
Apply for Revolving Credit Line
  • Easy Access to Your Additional Funds
    Just apply once and access up to ₱5M of re-usable credit. Unlock lower prices and higher limits as you use your line.
  • Best Price Guarantee
    Rates start as low as 1.39% per month. If you have a better offer for non-collateral SME financing, 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.
  • 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 you have received your revolving credit line, you can log in to your account to request a customized loan. 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.
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    “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)