Zero-cost salary loan benefits for your employees
Future salary access to support workforce needs
Offer your employees transparent and fair salary loans. We handle everything—from disbursement to repayment, and credit tracking to credit building. You stay in control without being responsible for the loan.
Benefits for employers and employees
Financial support at no risk to your business
Zero financial risk
No need to lend personal funds or expose your business to debt risk.
Easy administrative process
First Circle handles the application, disbursement and repayments are done through salary deductions.
Customisable to your needs
Choose the categories that best fit your business and workforce.
Stronger employee retention & productivity
Financially stable employees are more engaged and productive.
Flexible & transparent credit for employees
No more predatory loans
Access fair, transparent, and trustworthy credit.
Build a strong credit history
When used responsibly, Smart Salary Loans can help employees qualify for better financial opportunities in the future.
0% interest rates
On purpose-based salary advances.
Two salary loan options to support
your team outside of work
Asenso Advance
An interest-free advance for dedicated uses, such as health and education
Flexible Salary Advance
Employee loans for general use, pre-approved employees can have their salary advanced to the bank account or e-wallet of their choice
How does this work?
Offer more benefits to your employees beyond the workplace with our Future Salary Access
Enroll your business for Future Salary Access
Tell your Account Manager that you’d like to enroll in the program.
Share your employee details and indicate those who you’d like to qualify for Future Salary Access.
Eligible employees will be invited via email
We will email qualified employees to invite them to join the program.
Your employees select their loan, with next-day disbursements
Employees may select their preferred loan amount and terms, up to their net monthly salary.
As their employer, you have the option to pre-approve their loans before we disburse the loan amount into their bank account or e-wallet within the next business day.
Make repayments with your payroll cycle
You will receive a Statement of Accounts consolidating all repayments due, 5 days before your scheduled payroll date.You will need to remit the payment to us on the date of your payroll, and deduct the amount from your employee’s salary accordingly.
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
Future Salary Access is automatically available to all customers with a First Circle account. Simply reach out to your Account Manager to get started, or sign up for a new account now.
FAQs
Asenso means progress or moving forward in life. It’s also what we call our 0% interest, purpose-based advance—designed to support meaningful investments in your future, in areas like education, healthcare, professional development, home repairs or urgent medical expenses and more.
These purchases may include, but are not limited to, learning materials such as books, seminars, conferences, formal education, skills training, health and wellness services like doctors’ consultations, treatments, procedures, medicines, gym or sports memberships, fitness equipment, and other similar items.
First Circle reserves its final discretion on these loan applications.
Consult your HR or First Circle account manager to check if your planned purchase is covered by the company’s accepted categories.
Details for the expenditure must be forwarded to First Circle, and will be paid directly by us.
Absolutely. Employees may avail of the Asenso Advance loan to benefit family members within the first degree of consanguinity, ie. your spouse, your parents or your children.
Have more questions? Visit our Help Center
Get started with First Circle today
Apply for an account online in 5 minutes
Simply submit 3-7 documents to us
No paperwork, no branch visits — 100% online
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 Line
Grow smarter with a non-collateral credit line of up to ₱25M —use what you need, repay on your terms.
Business Credit Plus
Fuel your business growth with a longer-term credit line—no collateral needed. Ideal for expanding your company.
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