SME Loans

Grow your SME and meet your working capital needs. With our fast, fair, and flexible non-collateral credit line, you can take out SME loans any time.

SMEs loans with no collateral required
Revolving Credit Line
Say yes to more customers, orders, and projects with a reusable credit line that you can access anytime. Choose from a loan period of 1, 3, 6, or 12 months.
  • Credit Limit
    ₱250,000 to ₱20 million
  • Interest Rate*
    0.99% to 2.49% per month
  • Best Price Guarantee
    If you have a better non-collateral SME loan offer, we'll beat the price by 10%
*Applies only to the portion of the credit line that you used
**Paid only when your credit line is used. Find a better comparison of these fees in the FAQ section.

Why choose our loans for SMEs?

sme loan philippines for businesses less than 1 year old
Open to SMEs operating for <1 year
what is sme loan
Free to open and requires no usage commitment
sme loan meaning
Hands-on support during application
smes loan
Pay only for the SME loans you took out

Find out if you qualify for a credit line

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

You don't have to complete your application documents at this stage. If you pass the initial screening, a First Circle contact person will help you fulfill our document checklist.
See all documentary requirements
  • 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
  • Must have an annual revenue of at least ₱5 million

How to apply

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 an SME 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

Before applying for a Credit Line or SME Loan
After opening a Credit Line
Have more questions? Visit our Help Center.

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

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)