Get the best price on
non-collateral SME business loans

Grow your business with an always-accessible and easy-to-use credit line that gives you the best prices on the market, guaranteed!
Apply for a Revolving Credit Line
First Circle Revolving Credit Line for Businesses

Grow your business with a funding line that's ready when you are

Never miss another business opportunity or lose out because of delayed collections. First Circle’s Revolving Credit Line gives you flexible, ongoing access to funds so you can purchase more inventory, cover unexpected cash flow gaps, and fuel your business growth. Just apply once and withdraw a loan from your credit line any time!
Apply for a Revolving Credit 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.
  • 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.
  • Zero Hidden Fees
    Pay only for the funds you use and get rebates when you repay early. Save thousands on processing fees with a subscription.
  • Dedicated Support
    Get hands on guidance from our team of dedicated account managers.

Supplying to the government?

Check out our PhilGEPS Project Financing tool, designed especially to support government suppliers—we'll fund most of the cost while you keep most of the revenue. Start repayments only when the project is completed.
Learn about PhilGEPS Project Financing
PhilGEPS project financing

First Circle is consistently recognized as

One of the top financing companies in the Philippines

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

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Frequently Asked Questions

Here are common questions our customers ask. For other questions, check our Help Center.
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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.
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)