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Our Mission

To unlock generations of economic potential for SMEs & their employees

Because small and medium enterprises are the fuel of society.

67% of labor employed45% of GDP
Accounting for 41% GDP of South East Asian countries, they sustain the livelihoods of countless people and provide goods and services that enhance the way we live. But behind all the good they do,there exists a constant battle against a system that’s unable to sustain them.

First Circle is here to change that, to create a pivotal impact in the Philippine fintech revolution by making accessible financial products a reality for SMEs across the nation.
67% of labor employed45% of GDP

Our History

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2016

We’re up and running with our first 100 customers after raising $1m seed capital from 500 Startups and others.

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2017

Accion invests in First Circle and we pass 250+ SME customers

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2018

$6m Series A and $20m debt facility raised.

Strategic focus on B2B SMEs with PO & Invoice Financing product

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2019

Rapid growth to 1500+ customers gives us unique data to systemize our underwriting

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2020

COVID nightmare for SMEs and First Circle!

Proud of our response: proactive customer restructuring, and zero layoffs (but significant pay-cuts for Leadership)

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2021

Product evolves to our Business Credit Line making SME credit bigger, cheaper, faster, and more flexible!

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2022

Close new $25m debt facility to fund the next phase of growth.Customer base doubles in 2022.

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2023

Product expansion! Launch the pilot of our SME Business Banking product, and begin work on two new products (coming soon!)

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Our Strategy

Unlocking your business’ potential requires smart banking solutions built specifically for your business.We’ve built a suite of banking products to maximize growth opportunities, save time & money in day-to-day banking activities, and enrich your employees with leading benefits.
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Looking forward, our focus is now on solving problems outside of credit, and we are deep in development of a range of products to add to our offering.
Business Banking product logo

Business Banking

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Business Credit Line product logo

Business Credit Line

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Employee Benefits product logo

Employee Salary Loans

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Our customers are Small & Medium Enterprises (SMEs) – the backbone of the Philippine economy

₱ 80 billion

in combined revenue of our active customers

100,000+ staff

employed by our active customers

80% growth

average 2 year growth rate of our customers
Data on Averages of Small and Medium Businesses
Data on small and medium businesses
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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.
First Circle customer
Ma. Linda Moya, President and CEO
Richworld Infra Solutions Corp.
Partner since 2023
First Circle customer
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Food processing
I just hope na the banks would copy First Circle. It’s a winning combination right there — the speed, efficiency, responsiveness.
First Circle customer
Christian Bello, President and CEO
Acima Meda Philippines Inc.
Partner since 2020
First Circle customer
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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.
First Circle customer
Daniel Cruz III, Owner
SH-CCPM Enterprise
Partner since 2020
First Circle customer
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Engineering
With First Circle, immediate ang rescue. Sasabihin lang namin na maglo-loan kami, processed na agad. Hindi ka na maghihirap.
First Circle customer
Anita Mataga, Managing Partner
FlexNet System Incorporated
Partner since 2022
First Circle customer
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PRINTING
'Yung unang loan namin sa First Circle, ang laking naitulong niya. Mabilis yung process niya. Natapos lahat ng projects na satisfied yung customer.
First Circle customer
Erwin Manarpiis, President and CEO
Otus Copy Systems, Inc.
Partner since 2021
First Circle customer
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Engineering
Si First Circle ‘yung isa sa nagiging takbuhan namin, especially 'pag may urgent loans kami.
First Circle customer
Oren Cabrera, President
Maglev Air Conditioning Corp.
Partner since 2019
First Circle customer
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MANPOWER
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.
First Circle customer
Ferdinand Fernandez, President
Vishnu Property Management Inc.
Partner since 2023
First Circle customer
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CLOTHING
Kung magrate tayo from 1 to 10 — 10 being the highest, 10 always ang rating ko kay First Circle. Kasi sobrang gaan, at ang laki ng tulong sa akin.
First Circle customer
Alma Plaza, Owner
IMVJ Apparel
Partner since 2020
First Circle customer
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ENTERTAINMENT
Out of all the financial institutions I have spoken with, First Circle has the most modern and updated facilities, and the most accommodating people.
First Circle customer
Roy Lopez, Chief Operating Officer
BlackOps Studios Asia
Partner since 2023
First Circle customer
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ENGINEERING
Very hands-on si First Circle, so napo-provide namin agad ang mga requirements, at nare-release agad yung loan namin.
First Circle customer
Karren Vardeleon, Head of Accounting
Westfor Asia, Co.
Partner since 2019
First Circle customer
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4.7 out of 5 stars in our Google reviews

4.7 rating (91 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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Our Partners

We create symbiotic relationships with fellow advocates of SME growth.

Our partners share the fervor for our mission and recognize that what we’re doing doesn’t only change the life of a single business owner but can drastically cascade its effects to millions of people. We strive to cultivate these unique bonds so that one day, every business knows that First Circle is here to help.
First Circle with CCCI
CCCI logo

Cebu Chamber of Commerce and Industry

First Circle with Cebu Chamber of Commerce and Industry

First Circle with PCCI
PCCI logo

Philippine Chamber of Commerce and Industry

First Circle with Philippine Chamber of Commerce and Industry - North Luzon officers

First Circle with ADB
ADB logo

Asian Development Bank

First Circle meets with the US Director of Asian Development Bank, Ambassador Chantale Wong (middle)

First Circle with SEC
SEC logo

Securities and Exchange Commission

First Circle VP of External Relations, Ben Carandang, with ex-SEC Commissioner Kelvin Lee and First Circle General Counsel Sam Nuñez

First Circle with DTI
DTI logo

Department of Trade and Industry

First Circle’s Rhys McCoy renewing our partnership with the Department of Trade and Industry (DTI) Secretary Fred Pascual in July 2023

First Circle with Clixlogic
Clixlogic logo

CLIXLogic Inc.

Clixlogic CEO Charlie Fernando with First Circle CEO Patrick Lynch at the First Circle Growth Partners Program event last September 2022

First Circle with SEC
SEC logo

Securities and Exchange Commission

First Circle meets with SEC Commissioner Bryant Fernandez (2nd from right) and SEC Assistant Director Kenneth Joy Quimio (2nd from left)

First Circle with CCCI
CCCI logo

Cebu Chamber of Commerce and Industry

Our Acquisition team at the Cebu Chamber of Commerce and Industry (CCCI)’s first general meeting in 2024

First Circle with BSP
BSP logo

Bangko Sentral ng Pilipinas

First Circle at Bangko Sentral ng Pilipinas (BSP) with newly appointed Monetary Board Member Romeo Bernardo (2nd from left)

First Circle with GoNegosyo
GoNegosyo logo

Go Negosyo

First Circle Vice President for External Relations, Ben Carandang, at GoNegosyo's mentoring event 3MOW

First Circle with CCCI
CCCI logo

Cebu Chamber of Commerce and Industry

First Circle with Cebu Chamber of Commerce and Industry

First Circle with PCCI
PCCI logo

Philippine Chamber of Commerce and Industry

First Circle with Philippine Chamber of Commerce and Industry - North Luzon officers

First Circle with ADB
ADB logo

Asian Development Bank

First Circle meets with the US Director of Asian Development Bank, Ambassador Chantale Wong (middle)

First Circle with SEC
SEC logo

Securities and Exchange Commission

First Circle VP of External Relations, Ben Carandang, with ex-SEC Commissioner Kelvin Lee and First Circle General Counsel Sam Nuñez

First Circle with DTI
DTI logo

Department of Trade and Industry

First Circle’s Rhys McCoy renewing our partnership with the Department of Trade and Industry (DTI) Secretary Fred Pascual in July 2023

First Circle with Clixlogic
Clixlogic logo

CLIXLogic Inc.

Clixlogic CEO Charlie Fernando with First Circle CEO Patrick Lynch at the First Circle Growth Partners Program event last September 2022

First Circle with SEC
SEC logo

Securities and Exchange Commission

First Circle meets with SEC Commissioner Bryant Fernandez (2nd from right) and SEC Assistant Director Kenneth Joy Quimio (2nd from left)

First Circle with CCCI
CCCI logo

Cebu Chamber of Commerce and Industry

Our Acquisition team at the Cebu Chamber of Commerce and Industry (CCCI)’s first general meeting in 2024

First Circle with BSP
BSP logo

Bangko Sentral ng Pilipinas

First Circle at Bangko Sentral ng Pilipinas (BSP) with newly appointed Monetary Board Member Romeo Bernardo (2nd from left)

First Circle with GoNegosyo
GoNegosyo logo

Go Negosyo

First Circle Vice President for External Relations, Ben Carandang, at GoNegosyo's mentoring event 3MOW

First Circle with CCCI
CCCI logo

Cebu Chamber of Commerce and Industry

First Circle with Cebu Chamber of Commerce and Industry

First Circle with PCCI
PCCI logo

Philippine Chamber of Commerce and Industry

First Circle with Philippine Chamber of Commerce and Industry - North Luzon officers

First Circle with ADB
ADB logo

Asian Development Bank

First Circle meets with the US Director of Asian Development Bank, Ambassador Chantale Wong (middle)

First Circle with SEC
SEC logo

Securities and Exchange Commission

First Circle VP of External Relations, Ben Carandang, with ex-SEC Commissioner Kelvin Lee and First Circle General Counsel Sam Nuñez

First Circle with DTI
DTI logo

Department of Trade and Industry

First Circle’s Rhys McCoy renewing our partnership with the Department of Trade and Industry (DTI) Secretary Fred Pascual in July 2023

First Circle with Clixlogic
Clixlogic logo

CLIXLogic Inc.

Clixlogic CEO Charlie Fernando with First Circle CEO Patrick Lynch at the First Circle Growth Partners Program event last September 2022

First Circle with SEC
SEC logo

Securities and Exchange Commission

First Circle meets with SEC Commissioner Bryant Fernandez (2nd from right) and SEC Assistant Director Kenneth Joy Quimio (2nd from left)

First Circle with CCCI
CCCI logo

Cebu Chamber of Commerce and Industry

Our Acquisition team at the Cebu Chamber of Commerce and Industry (CCCI)’s first general meeting in 2024

First Circle with BSP
BSP logo

Bangko Sentral ng Pilipinas

First Circle at Bangko Sentral ng Pilipinas (BSP) with newly appointed Monetary Board Member Romeo Bernardo (2nd from left)

First Circle with GoNegosyo
GoNegosyo logo

Go Negosyo

First Circle Vice President for External Relations, Ben Carandang, at GoNegosyo's mentoring event 3MOW

First Circle with CCCI
CCCI logo

Cebu Chamber of Commerce and Industry

First Circle with Cebu Chamber of Commerce and Industry

First Circle with PCCI
PCCI logo

Philippine Chamber of Commerce and Industry

First Circle with Philippine Chamber of Commerce and Industry - North Luzon officers

First Circle with ADB
ADB logo

Asian Development Bank

First Circle meets with the US Director of Asian Development Bank, Ambassador Chantale Wong (middle)

First Circle with SEC
SEC logo

Securities and Exchange Commission

First Circle VP of External Relations, Ben Carandang, with ex-SEC Commissioner Kelvin Lee and First Circle General Counsel Sam Nuñez

First Circle with DTI
DTI logo

Department of Trade and Industry

First Circle’s Rhys McCoy renewing our partnership with the Department of Trade and Industry (DTI) Secretary Fred Pascual in July 2023

First Circle with Clixlogic
Clixlogic logo

CLIXLogic Inc.

Clixlogic CEO Charlie Fernando with First Circle CEO Patrick Lynch at the First Circle Growth Partners Program event last September 2022

First Circle with SEC
SEC logo

Securities and Exchange Commission

First Circle meets with SEC Commissioner Bryant Fernandez (2nd from right) and SEC Assistant Director Kenneth Joy Quimio (2nd from left)

First Circle with CCCI
CCCI logo

Cebu Chamber of Commerce and Industry

Our Acquisition team at the Cebu Chamber of Commerce and Industry (CCCI)’s first general meeting in 2024

First Circle with BSP
BSP logo

Bangko Sentral ng Pilipinas

First Circle at Bangko Sentral ng Pilipinas (BSP) with newly appointed Monetary Board Member Romeo Bernardo (2nd from left)

First Circle with GoNegosyo
GoNegosyo logo

Go Negosyo

First Circle Vice President for External Relations, Ben Carandang, at GoNegosyo's mentoring event 3MOW

Open an account in one day

No paperwork

Online application form in 5 minutes with 3-7 documents required.
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No branch visits

Open your account from the comfort of your own office or home.
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Same or next-day account opening

Start banking without delay.
Open an account today

Why Smart Businesses choose First Circle

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To grow

₱11 billion in loans given to support business growth
Average 80% revenue growth experienced within 2 years
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To save time

5 minute account opening
Loans disbursed in 1 day
No paperwork needed
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To save money

Most affordable no-collateral funding available
Fee-free payments
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To minimize risk

Minimize downside risk
Never miss an opportunity due to cashflow gaps

security is our priority

Our Investors

Our PARTNERS

First Circle is regulated by the Securities and Exchange Commission (SEC). For concerns, you may contact SEC at (+632) 8818-5554 or crmd_publicassistance@sec.gov.ph.