Smart banking solutions and business loans

Join 5,000+ Filipino businesses that have chosen First Circle for fuss-free business banking

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Flexible, fast, and tailored business banking solutions

BUSINESS CREDIT LINE

Business loans for Filipino companies

Grow smarter with a non-collateral credit line of up to  ₱20M —use what you need, repay on your terms.

BUSINESS BANKING

Open a free online bank account in minutes

No fees, no limits, no waiting lines—just free online business banking with powerful tools to manage your team and payments.

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.

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Business Credit Plus

Fuel your business growth with a longer-term credit line—no collateral needed. Ideal for expanding your company.

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Smart Salary Loans

Empower your employees with flexible salary loans that improve retention and come at no financial risk to your business.

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Why choose First Circle?

Grow your business
Save money with fee-free banking
Save time for what matters
Minimize risk with best-in-class technical and account security

Grow your business

We’ve given ₱16 billion in loans to support business growth

Our customers experience an average of 80% revenue growth within 2 years

Save money with fee-free banking

Free credit lines where you pay only as you use, with rebates for early repayments

Free payments & bank accounts

Save time for what matters

Open an account in 5 minutes and get loans disbursed same- or next-day

Create and manage team members in just a few clicks

Minimize risk with best-in-class technical and account security

Never miss a payment to suppliers or staff

4.8 rating (152 reviews)

“ First Circle is highly recommended, and I absolutely love their service. They excel in efficiency, simplicity, and affordability, setting them apart from others in the market.

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Banking solutions that fuel growth

Our customers achieve an average growth of 80% over 2 years

₱ 100 billion

in combined revenue of

our active customers

100,000+ people

employed by 

our active customers

Our customers' average profile

SMALL BUSINESSES

15 years

average time in business

₱51.5 M

in annual revenue

42 people

average no. of employees

MEDIUM BUSINESSES

34 years

average time in business

₱1.8 B

in annual revenue

155 people

average no. of employees

Christian Bello

Acima Meda Philippines Inc.

I just hope na the banks would copy First Circle as an example. If you have complaints, they actually listen to you, and then they address the complaints as much as they are able.

Linda Moya

Richworld Infra Solutions Corp.

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.

Erwin Manarpiis

Otus Copy Systems, Inc.

Yung unang [loan] namin sa First Circle, kahit maliit siya, ang laking naitulong niya...tumatak sa akin na mabilis yung process niya, tapos nakapagpondo kami ng projects, then natapos lahat ng projects satisfied yung customer.

Daniel Cruz III

SH-CCPM Enterprise

I’m thankful, because without First Circle helping out with financing, hindi ko maca-cater yung first order ko.

entertainment and media
Out of all the financial institutions I have spoken with, First Circle has the most modern and updated facilities, and the most accommodating people. It’s a really good partner or ally to our business.
Roy Lopez, Chief Operating Officer
BlackOps Studios Asia
Partner since 2023
BlackOps Logo

Alma Plaza

IMVJ Apparel

Ten always ang rating ko kay First Circle kasi sobrang gaan at ang laki ng tulong sa akin.

Anita Mataga

FlexNet System Incorporated

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.

Ferdinand Fernandez

Vishnu Property Management Inc.

In doing business with First Circle, we made plans so that we could upgrade the business in relation to what First Circle is doing for us.

Oren Cabrera

Maglev Air Conditioning Corp.

Si First Circle yung isa sa nagiging takbuhan namin ngayon, especially 'pag may urgent loans kami.

Karren Vardeleon

Westfor Asia, Co.

Mabilis ang release, tapos ‘yung walang masyadong hinihingi. Kasi po very hands on kayo, so napo-provide namin agad ang mga requirements, narerelease agad yung loan namin.

Ma. Lina Moya

Richworld Infra Solutions Corp.

Telecommunications
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 and CEO
Richworld Infra Solutions Corp.
Partner since 2023

Christian Bello

Acima Meda Philippines Inc.

FOOD PROCESSING
I just hope na the banks would copy First Circle. It’s a winning combination right there — the speed, efficiency, responsiveness.
Christian Bello, President and CEO
Acima Meda Philippines Inc.
Partner since 2020

Erwin Manarpiis

Otus Copy Systems, Inc.

printing
Yung unang [loan] namin sa First Circle, kahit maliit siya, ang laking naitulong niya...tumatak sa akin na mabilis yung process niya, tapos nakapagpondo kami ng projects, then natapos lahat ng projects satisfied yung customer.
Erqin Manarpiis, President and CEO
Otus Copy Systems, Inc.
Partner since 2021

Daniel Cruz III

SH-CCPM Enterprise

production
First Circle is really the first institution that helped me, who also believed na kaya ko din ito...without First Circle, hindi ko maki-cater yung first order ko.
Daniel Cruz III, Owner
SH-CCPM
Partner since 2020

Quick and easy application process

Apply online in 5 minutes

Only 3–7 documents needed

No paperwork, no branch visits — 100% online

Open an account today

What sets us apart

SME Digital Innovation of the Year - Philippines
2024
High-Growth Companies
Asia-Pacific
2023
High-Growth Companies Asia-Pacific
2022 & 2023
50 Fintech Startups Driving Financial Inclusion and Resilience
2020
Most Outstanding Member
2024
SME Company of the Year
2020
Accion International
Fasanara Capital
Insignia Ventures Partners
Koru Partners
Department of Trade and Industry
Partner
Quezon City Government
Partner
Philippines Finance Association
Member
Credit Information Corporation
Partner
Management Association of the Philippines
Member
Philexport
Member
The American Chamber of
Commerce of the Philippines
Davao Chamber of
Commerce and Industry
Davao Chamber of
Commerce and Industry
Cebu Chamber of
Commerce and Industry
International Finance Corporation

First Circle is regulated by the Securities and Exchange Commission (SEC) [Reg. No. CS201605477, Certificate of Authority No. 1104]. For concerns, you may contact SEC at (+632) 8818-5554 or crmd_publicassistance@sec.gov.ph.

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