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Process & Requirements

Get financed without ever leaving your premises.


Choose your business type for the requirements list:

  • Sole Proprietor
  • Corporate
  • Partnership
Basic Business Requirements
All Loan Applications Require:
  • Registered for a minimum of 2 years unless you are an online eCommerce merchant:
  • Online eCommerce merchant:If your business is online, it needs to be registered for a minimum of 6 months
  • Business operating in or near Metro Manila
Requirements for PO finance
Loan Applications Require:
  • Photo of a valid Purchase Order
  • DTI Certificate
Basic Documentation
All Loan Applications Require:
  • Two Photos of Valid Government IDs
  • Proof of Billing (most recent month)
  • BIR Certificate of Registration
Requirements for Invoice finance
Loan Applications Require:
  • Photo of an Invoice
  • DTI Certificate

The Process - 3 Simple Steps

Online Application

Answer a few simple questions to allow us to calculate your risk. Everything will be facilitated online, and you can come back and edit your profile information at any stage.

To verify your identity, we’ll ask that you connect some of your online accounts like Yahoo Mail or Facebook.

Online Processing

If you are a first time applicant, you will need to submit the required documents. This will allow us to understand your business and conduct our risk assessment. One of our friendly business development team will contact you to help with the application process, when you need it. We will then tailor an offer made for you and your business needs.

Accept Your Offer

If you have submitted the required documents, and your business passes our underwriting requirements, we will send you an offer as soon as the application is processed.

Your loan size and rate will depend on the risk, loan duration, and the tenure of business with First Circle.

Once you accept an offer we will schedule a courier to come and collect your post dated cheques, which we’ll use to collect your repayments.

Access Your Funds Immediately

Approved funds will be available immediately online. You can withdraw into your own account or pay suppliers online. Fund transfer arrives in bank accounts on the same day.