Grow your business with a Revolving Credit Line

Open a line of credit in as fast as 2 business days and access up to ₱20 million in credit limit. No collateral, no application fees, and no usage commitment required!
Apply for a Revolving Credit Line
Grow your business with a First Circle Revolving Credit Line
Credit Limit
₱250,000 to ₱20 million
Interest Rate*
0.99% to 2.49% per month
Loan Period
1, 3, 6, or 12 months
Processing Fee or Subscription Fee
*Applies only to the portion of the credit line that you used
**Paid only when your credit line is used

A credit line that’s ready when you are

Never miss another business opportunity due to delayed collections. First Circle’s Credit Line gives you flexible, ongoing access to funds to purchase more inventory, cover unexpected cash flow gaps, and extend your working capital. Just apply once to withdraw a loan from your business line of credit any time!
Apply for a Revolving Credit Line
  • Up to ₱20 million in non-collateral credit
    Apply once and use your line as often as you need. We disburse funds to any bank in 1 business day.
  • Pay only for what you use
    Monthly interest only applies to the amount you borrow. Choose from a monthly, bi-monthly, or one-time repayment schedule.
  • Fast processing time
    The entire application process takes 2 business days after completing requirements. You also get hands-on support throughout your application.

The best price on non-collateral credit line loans

Our interest rate for credit line loans starts as low as 0.99% per month.
If you have a better offer for non-collateral SME financing, our Best Price Guarantee can beat that by 10%!

Find out if you qualify for a credit line

Do you meet our preliminary requirements? You may proceed to the application guidelines below.

You don't have to complete your business documents at this stage. If you pass the initial screening, a First Circle contact person will help you collect additional documentary requirements.
See all documentary requirements
  • Business must be registered with BIR, DTI (for sole proprietorship) or SEC (for partnership or corporation)
  • Applicant must be a resident of the Philippines and must have a government-issued Valid ID
  • Business must have an annual revenue of at least ₱5 million

How to open a Revolving Credit Line

Step 1. Apply online
See if you qualify for financing by completing a short online application form. You will receive a call or email from us regarding your application in 1 business day.
Step 2. Submit requirements
If you passed our initial screening, a dedicated Account Manager will help you collect your requirements. Our paperwork is minimal and you won’t pay any fees!
Step 3. Use your credit line
Just contact your Account Manager or log in to your account whenever you need a loan from your credit line. We disburse funds to any local bank in 1 business day.
See our full Process and Requirements

Frequently Asked 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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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.
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First Circle is consistently recognized as

One of the top financing companies in the Philippines

As seen on the Inquirer Growth Champions 2023 and the Financial Times Asia-Pacific High Growth Companies 2022

First Circle is one of the best business credit line providers in PHFirst Circle is one of the best business credit line providers in PH
"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)