Same-day credit with our Express Business Loan
Why choose our Express Business Loan?
Get same-day approval
Drawdown your first funds in as little as 24 hours, and seize new opportunities or address urgent business needs without delay.
Simple, fixed fee
No hidden charges, no complicated paperwork—just straightforward financing with full transparency.
No collateral required
Access the funds you need without risking your assets, so you can focus on growing your business.
Ultra-fast, same-day disbursements
Get immediate funding
Access the capital you need, when you need it—approved today, disbursed fast, so you never miss an opportunity.
Zero interest, one fixed fee
Know exactly what you’ll pay upfront—no hidden costs, just total transparency with a simple fixed fee.
Flexible repayment options on your terms
Choose a repayment plan that fits your cash flow, and benefit from 0.5% rebate on early repayments.
Rates & Terms
No Collateral Requirement
All credit options are zero-collateral
Loan Period
Up to 1 month
Easy Application
Less than 5 documents required
Repayment Options
Single repayment within 1 month for an early repayment fee discount of 0.5% rebate. A 3% fee applies for rescheduled dates.
Annual Business Revenue | Credit Limit | Monthly Interest | Fees |
Over ₱ 200 million | ₱ 10 - 20 million | 0% | 1% Processing Fee |
₱ 15 - 200 million | ₱ 1 - 10 million | 0% | 2-3% Processing Fee |
Under ₱ 15 million | ₱ 100,000 - 2 million | 0% | 4% Processing Fee |
Eligibility Requirements
Business Documents
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 Documents
Your annual business revenue is at least ₱5 million
If you meet all these qualifications, get a free credit line assessment in 3 minutes.
FAQs
An Express Business Loan (EBL) is short-term bridge financing designed to help your business move quickly.
It provides fast access to working capital when you need it most—whether that’s to secure stock, grab a new opportunity, or cover short-term gaps in cash flow. Once approved, funds are disbursed as early as the same day, with minimal paperwork and no need to visit a branch.
This product is designed for established small and medium enterprises (SMEs) who need quick, reliable capital to manage or grow their operations. It’s ideal for:
- Purchasing equipment or inventory
- Bridging seasonal dips in cash flow
Whether you're scaling up or stabilising, an Express Business Loan gives you the freedom to move fast—without long waits or red tape.
Start here!
Simply tell us about your business and we'll reach out to ask for a few documents from you. Upload them on a secured online platform, and you're done—we'll handle the rest.
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
Need a different credit product?
Business Credit Line
Grow smarter with a non-collateral credit line of up to ₱20M —use what you need, repay on your terms.
Business Credit Plus
Grow smarter with a non-collateral credit line of up to ₱20M —use what you need, repay on your terms.
Future Salary Access
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