# First Circle

> First Circle is a Philippines-based SME lender and business-banking platform offering non-collateral loans, credit lines, online business accounts, and salary advance solutions for Filipino businesses.

## Docs

- [Home](https://www.firstcircle.ph/): Overview of First Circle's business banking, lending products, and digital tools built for Philippine SMEs.
- [About](https://www.firstcircle.ph/about): Company mission, leadership, and how First Circle empowers SME growth across the Philippines.
- [Contact Us](https://www.firstcircle.ph/contact-us): Email, phone, and office contact details for sales, support, and partnerships.

## Products

- [Business Banking](https://www.firstcircle.ph/business-banking): Open an online business bank account designed for Philippine SMEs to manage funds and operations digitally.
- [Business Credit Line](https://www.firstcircle.ph/business-credit-line): Non-collateral revolving credit line tailored to Philippine SME working-capital needs.
- [Business Credit Plus](https://www.firstcircle.ph/business-credit-plus): Flexible business loan up to ₱20M with terms up to 2 years, fast approval, and simple repayment.
- [Express Business Loan](https://www.firstcircle.ph/express-business-loan): Short-term business loan in the Philippines with funding released within 24 hours of approval.
- [Future Salary Access](https://www.firstcircle.ph/future-salary-access): Employee salary loan and salary-advance facility offered through employers for their workforce.
- [Solar Financing](https://www.firstcircle.ph/solar-financing): Business solar financing for rooftop systems with no upfront fees and full project support.

## Resources

- [The Thinking Circle (Blog)](https://www.firstcircle.ph/blog): Insights hub covering SME finance, cash flow, lending, and business operations in the Philippines.
- [5 Main Types of Business Loans in the Philippines](https://www.firstcircle.ph/blog/types-of-business-loans): Reference guide to common business loan types available to Philippine SMEs and how to choose.
- [The SME Financial Toolkit: Business Loans, Credit Lines, and Salary Loans](https://www.firstcircle.ph/blog/the-sme-financial-toolkit-business-loans): Comparison of the main SME financing instruments and when to use each.
- [2024 Bank Financing Stats: Banks Miss MSME Lending Quota](https://www.firstcircle.ph/blog/2024-bank-financing-stats): Original data on Philippine MSME credit access and the bank financing gap.
- [IFC's $7M Investment in First Circle](https://www.firstcircle.ph/blog/ifc-invests-7m-first-circle): How IFC funding expands First Circle's SME lending capacity and product roadmap.
- [What is a POS Machine? A Guide to POS Systems for SMEs](https://www.firstcircle.ph/blog/pos-machine-pos-systems-smes): Plain-language explainer of POS systems for Philippine SME retailers.
- [Facing a Cash Flow Gap? 5 Quick Steps to Business Recovery](https://www.firstcircle.ph/blog/cash-flow-gap-steps-to-recovery): Practical cash-flow recovery playbook for Philippine SMEs.
- [Top 10 Free Online Tools for SMEs](https://www.firstcircle.ph/blog/top-10-free-online-tools-smes): Curated list of free digital tools Filipino small businesses can adopt today.

## Company

- [Our Commitments](https://www.firstcircle.ph/our-commitments): Overview of First Circle's ESG, governance, and social-impact commitments.
- [Sustainability](https://www.firstcircle.ph/our-commitments/sustainability): Environmental and sustainability initiatives across First Circle's operations and products.
- [Governance](https://www.firstcircle.ph/our-commitments/governance): Corporate governance framework, policies, and accountability standards.
- [Social Responsibility](https://www.firstcircle.ph/our-commitments/social-responsibility): Community programmes and social-impact work supporting Philippine SMEs and workers.
- [Careers](https://www.firstcircle.ph/careers): Open roles across sales, finance, engineering, and operations at First Circle.
- [Ambassador Circle](https://www.firstcircle.ph/ambassador-circle): Referral and ambassador programme for partners who introduce SMEs to First Circle.

## Key Facts

- Headquartered in Metro Manila, Philippines.
- Provides non-collateral business loans, credit lines, business banking, salary-advance, invoicing, and corporate card products.
- Loan sizing ranges from short-term express loans to facilities up to ₱20M with terms up to 2 years.
- Backed by international development finance, including a $7M investment from the International Finance Corporation (IFC).
- Serves Philippine SMEs across retail, e-commerce, manufacturing, distribution, services, and trading sectors.

## Contact

- Website: https://www.firstcircle.ph
- Contact form: https://www.firstcircle.ph/contact-us
- Other domains: https://www.firstcircle.com, https://www.firstcircle.eu