Business Credit Line

Pre-approved credit,
zero setup fees

Apply nowSee rates and loan amounts

Customize your credit line for your needs

Smarter credit features
Flexibility for your business
Ease cashflow gaps and sudden expenses

Smarter credit features

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.

Extra funds, however you need it

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

Collateral Requirement
None
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 1.29%
Processing Fee or Subscription Fee
Under ₱ 15 million
₱ 250,000 - 2 million
From 2.39%
Processing Fee or Subscription Fee
ANNUAL BUSINESS REVENUE
Over ₱ 200 million
Credit Limit
₱ 10 million - ₱ 20 million
MONTHLY INTEREST
0.99%
FEES
None
ANNUAL BUSINESS REVENUE
Between ₱ 15 - 200 million
Credit Limit
₱ 1 million - ₱ 10 million
MONTHLY INTEREST
From 1.29%
FEES
Processing Fee or Subscription Fee
ANNUAL BUSINESS REVENUE
Under ₱ 15 million
Credit Limit
₱ 250,000 - ₱ 2 million
MONTHLY INTEREST
From 2.39%
FEES
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

Withdraw a business loan from your credit line on the same business day

Eligibility Requirements

check icon

Business Registration

Your business must be registered with the BIR and either the DTI (for sole proprietorships) or SEC (for partnerships or corporations), and must have been operational for at least one year.
check icon

Business Owner

You are a resident of the Philippines, with a valid government-issued ID or Alien Registration Card (ARC).
check icon

Business Financials

Your annual business revenue is at least ₱5 million.
If you meet all these qualifications, get a free credit line assessment in 3 minutes.
Get a credit assessment now

FAQs

What is a Business Credit Line?
How can it help my business?
What’s the difference between a Business Credit Line and a Business Loan?

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
Need a different credit product?

Express Business Loan

Cover any urgent expenses and bridge operational gaps with  ultra-fast short-term financing that gets processed within 1 day.

Learn more

Business Credit Plus

Invest in your company and fund growth plans with a longer-term credit line, no collateral required.

Learn more

Smart Salary Advance

Uplift your employees with flexible employee wellbeing loans for healthcare and training or education expenses.

Learn more

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