There’s a smarter way to support your employees' credit needs

Smart Salary Advance is a fully managed program that lets you offer flexible, fair, and transparent salary advances without tying up your business funds or taking on risk. We handle everything—from disbursement to repayment, and credit tracking to credit building. You stay in control without being responsible for the loan.

Designed for employers and employees alike

Financial support at no risk to your business

Zero financial risk
‍No need to lend personal funds or expose your business to debt risk. 
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Easy administrative process
First Circle handles the application, disbursement and repayments are done through salary deductions. 
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‍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 Advance can help employees qualify for better financial opportunities in the future. 

0% interest rates
‍On purpose-based salary advances.

Better employee welfare,
better business

Asenso Advance

An interest-free advance for productive uses, such as health and education.

0% monthly interest for employee wellness financing*

A one-off convenience fee of 5-10% is charged upfront

SME can pre-select which productive use cases qualify, including training, healthcare, and equipment

First Circle will pay vendor or service directly

Flexible Salary Advance

A loan for general use, pre-approved employees can have their salary advanced to the bank account or e-wallet of their choice.

One of the lowest rates in the market and no hidden services fees or extra charges

Available to employees working for at least 3 months with the company

Flexible payment terms ranging from 1-12 months

How it works

Enroll your business for Smart Salary Advance

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 Smart Salary Advance.

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 Financials

Your annual business revenue is at least ₱5 million.

Smart Salary Advance 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.

Apply for an account now

FAQs

Have more questions? Visit our Help Center

Get same or next-day account opening.
No paperwork, no branch visits.

5 minutes to apply

Simply submit an online application form with 3-7 documents required from the comfort of your own office or home.

Open an account today

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

Support your employees while staying risk-free