Business Credit Line

Flexible business credit with no setup fees and fast approval

Apply now See rates and loan amounts

Why get our business credit line?

Smarter credit features

Apply online and drawdown within 1–2 business days. Pay only when you use it, and avail of early repayment discount options.

Flexibility for your business

Choose your own payment schedule, and reschedule payments if needed.

Ease cashflow gaps and sudden expenses

Bridge cashflow gaps and handle sudden expenses effortlessly, ensuring financial stability for your business.

Customise your credit line for your needs

Credit designed to give your business operating flexibility

Two-thirds of customers access funding within six months of opening their Business Credit Line with us.

Funding on your terms

Customize your repayment plan and duration to fit your unique needs, ensuring flexibility and control every step of the way

Save time by delegating tasks

Boost efficiency by entrusting tasks to your dedicated finance team, allowing you to focus on what matters most in your business.

Rates & Terms

No Collateral Requirement

All credit options are zero-collateral

Loan Period

1 – 12 months

Best Price Guarantee

10% better loan offers

Repayment Options

Monthly, Bi-Weekly, or One-Time

Annual Business Revenue

Credit Limit

Monthly Interest

Fees

Over ₱ 200 million

₱ 10 - 20 million

0.99%

None

₱ 15 - 200 million

₱ 1 - 10 million

From 1.29%

Processing Fee or Subscription Fee

Under ₱ 15 million

₱ 250,000 - 2 million

From 2.39%

Processing Fee or Subscription Fee

ANNUAL BUSINESS REVENUE

Over ₱ 200 million

Credit Limit

₱ 10 million - ₱ 20 million

MONTHLY INTEREST

0.99%

FEES

None

ANNUAL BUSINESS REVENUE

Between ₱ 15 - 200 million

Credit Limit

₱ 1 million - ₱ 10 million

MONTHLY INTEREST

From 1.29%

FEES

Processing Fee or Subscription Fee

ANNUAL BUSINESS REVENUE

Under ₱ 15 million

Credit Limit

₱ 250,000 - ₱ 2 million

MONTHLY INTEREST

From 2.39%

FEES

Processing Fee or Subscription Fee

The best credit line in the ways that matter

Largest credit amount

Get up to ₱20 million credit limit with no collateral or application fees

Cheaper rates

Credit line with rates starting at just 0.99% per month

Fastest disbursement

Withdraw a business loan from your credit line on the same business day

Most flexible

Take money on your terms, with rebates for early repayments

Most convenient

Drawdown in a few clicks, with zero paperwork

Best service

Withdraw a business loan from your credit line on the same business day

Eligibility Requirements

Business Registration

Your business is registered with BIR, DTI (for sole proprietorship) or SEC (for partnership or corporation)

Business Owner

You are a resident of the Philippines, with a valid government-issued ID or Alien Registration Card (ARC)

Business Financials

Your annual business revenue is at least ₱5 million

If you meet all these qualifications, get a free credit line assessment in 3 minutes.

Get a credit assessment now

FAQs

Have more questions? Visit our Help Center

Quick and easy application process

Apply online in 5 minutes

Only 3–7 documents needed

No paperwork, no branch visits — 100% online

Open an account today

Need a different credit product?

Express Business Loan

Bridge cash flow gaps and cover urgent expenses with a fast, short-term business loan—receive in 1 day, no collateral required.

Business Credit Plus

Fuel your business growth with a longer-term credit line—no collateral needed. Ideal for expanding your company.

Smart Salary Loans

Empower your employees with flexible salary loans that improve retention and come at no financial risk to your business.

Join the 5000+ businesses that chose First Circle

With First Circle, immediate ang rescue, hindi kami kailangan pumunta sa inyo. Sasabihin lang namin na maglo-loan kami, processed na agad, hindi ka na maghihirap.

Anita Mataga, Managing Partner

FlexNet System Incorporated

Partner since 2022

With lower interest rates, faster release, and of course the good customer service and relationship with First Circle, we’re here to stay for long.

Ma. Linda Moya, President

Richworld Infra Solutions Corp.

Partner since 2023