Flexible business credit with no setup fees and fast approval
Why get our business credit line?
Advanced credit solutions
Apply online and drawdown within 1–2 business days. Pay only when you use it, and avail of early repayment discount options.
Flexibility for your business
Choose your own payment schedule, and reschedule payments if needed.
Ease cashflow gaps and sudden expenses
Bridge cashflow gaps and handle sudden expenses effortlessly, ensuring financial stability for your business.
Customise your credit line for your needs
Credit designed to give your business operating flexibility
Two-thirds of customers access funding within six months of opening their Business Credit Line with us.
Funding on your terms
Customize your repayment plan and duration to fit your unique needs, ensuring flexibility and control every step of the way
Save time by delegating tasks
Boost efficiency by entrusting tasks to your dedicated finance team, allowing you to focus on what matters most in your business.
Rates & Terms
No Collateral Requirement
All credit options are zero-collateral
Loan Period
1 – 12 months
Best Price Guarantee
10% better loan offers
Repayment Options
Monthly, Bi-Weekly, or One-Time
Annual Business Revenue | Credit Limit | Monthly Interest | Fees |
Over ₱ 200 million | ₱ 10 - 20 million | 0.99% | None |
₱ 15 - 200 million | ₱ 1 - 10 million | From 0.99% | Processing Fee or Subscription Fee |
Under ₱ 15 million | ₱ 100,000 - 2 million | From 0.99% | Processing Fee or Subscription Fee |
The best credit line in the ways that matter
Largest credit amount
Get up to ₱20 million credit limit with no collateral or application fees
Cheaper rates
Credit line with rates starting at just 0.99% per month
Fastest disbursement
Withdraw a business loan from your credit line on the same business day
Most flexible
Take money on your terms, with rebates for early repayments
Most convenient
Drawdown in a few clicks, with zero paperwork
Best service
Get assistance whenever you need from your dedicated relationship manager
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
A Business Credit Line is a pre-approved credit facility you can tap into anytime over a 12-month period. You only use it when needed — and there’s no collateral required.
It gives your business flexibility and control over cash flow. Whether you're managing seasonal expenses, supplier payments, or urgent opportunities, your credit line is ready when you are — no need to reapply.
A loan is best for one-time, long-term expenses like equipment or expansion. A Business Credit Line is designed for short-term, repeat use — like stocking up during peak sales periods. You can draw and repay as needed, and repay early with no extra cost, helping you save on interest.
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?
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 Plus
Fuel your business growth with a longer-term credit line—no collateral needed. Ideal for expanding your company.
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