First Circle

First Circle offers a Revolving Credit Line designed to support the growth and operational needs of SMEs in the Philippines. This financial product allows businesses to access funds up to ₱20 million without collateral, upfront fees, or commitment. It's tailored for SMEs looking for flexible financing to cover cash flow gaps, fund expansion, or manage operating expenses. With an interest rate starting at 0.99% per month, First Circle provides a competitive and accessible financing option for businesses aiming to scale and thrive.

Using First Circle's services is beneficial for SMEs seeking fast, fair, and flexible financing solutions. Their Revolving Credit Line offers a unique advantage of re-usable credit, meaning businesses can withdraw funds as needed without reapplying for a new loan. This feature is particularly useful for managing unpredictable cash flow needs. Additionally, First Circle's commitment to transparency, with no hidden fees and a straightforward application process, ensures businesses can access financing without unnecessary complications. Their partnership with DTI and recognition by various business organizations further establish their credibility and reliability as a financing partner.

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Advantages of First Circle

Flexible Financing

Access to a revolving credit line that replenishes after repayment, offering continuous financial support without the need for multiple loan applications.

Competitive Interest Rates

Interest rates starting at 0.99% per month, making it one of the most affordable financing options for SMEs in the market.

No Collateral Required

Businesses can secure financing without the need to pledge assets as collateral, lowering the barrier to access funds.

Fast and Efficient Process

Loan decisions within 2 business days and fund disbursement in just 1 business day, ensuring timely access to needed capital.


What our customer says about First Circle

Hear from delighted customers who've found success with First Circle

User Experience
Customer Support
Product/Service Range

I am genuinely impressed with First Circle for their level of Trustworthiness. Throughout the process, I was always provided with full and transparent information about the loans and conditions, making me feel at ease when making decisions. The customer support team is also very professional and attentive. Thank you, First Circle, for being there for me!"


When searching for a reliable lending service, I chose First Circle and was not disappointed. The User Experience from the first step to receiving the loan exceeded all my expectations. They have a rich array of products/services that cater to all my financial needs. The team at First Circle is always ready to answer any queries and support any issues quickly.


One of the things I value most about First Circle is their Range of Products/Services. Whether you need short-term or long-term loans, First Circle has the right solution. Moreover, their customer support team is truly excellent, always listening and resolving any of my concerns swiftly and efficiently. It was a great experience working with First Circle.


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