For employees

Market-leading interest rates

Improved financial flexibility

Quick access to funds

Reduced financial stress

For your business

Convenient cash advances

Employee satisfaction and loyalty

Staff upskilling and development

Shows dedication to staff welfare

Designed for your business needs

Upskilling

I want to help my staff grow but cannot fund all employees, and they don’t have funds set aside for self-development.

Medical Emergencies

In times of crisis, my staff ask for cash advances and I want to help. But this can blur our professional and personal boundaries.

Employee Loans

I want employees to have access to loans but existing rates are usually very high and I am cautious about the debt involved.

What we offer

Wellness  Financing

Employees can avail of lower interest rates for upskilling and medical loans.

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, but examples include training, healthcare, and equipment

First Circle will pay vendor or service directly

Regular Salary Loan

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 (but further requirements may be added)

Flexible payment terms ranging from 1-12 months

No risks for your business

Repayments will not affect your credit score with First Circle.

Repayments will be deducted from employee payroll.

Zero repayment obligations for your business.

Designed to cover
all employee needs

Employees can avail of a lower convenience fee for Upskill and Medical Loans.

Upskill Loan

Medical Loan

All-Purpose

Price*

0% interest

Eligible

Educational and training services pre-selected by SME

All valid medical expenses (including next of kin)

All employees pre-approved by SME with controlled amounts

Drawdown

FC pays training service directly

FC pays medical practice directly

Employees receive directly

Repayment

Salary deduction

Risk to SME

No repayment obligation; no impact on standing with FC

*A one-off convenience fee of 5-15% is charged upfront based on loan type

*A one-off convenience fee of 5-15% is charged upfront based on loan type

How it works

Tell your account manager that you’d like to enroll, or simply join the waitlist below.

Share your employee details and indicate those who you’d like to qualify for Smart Salary Access.

Qualified employees will be emailed asking if they’d like to join the program.

Smart Salary Access repayments will be made through salary deduction.

Smart Salary Access is automatically available to all customers with a First Circle account

Apply now

FAQs

Have more questions? Visit our Help Center

Why Smart Businesses choose First Circle

To grow

₱11 billion in loans given to support business growth

Average 80% revenue growth experienced within 2 years

To save time

5 minute account opening

Loans disbursed in 1 day

No paperwork needed

To save money

Most affordable no-collateral funding available

Fee-free payments

To minimize risk

Minimize downside risk

Never miss an opportunity due to cashflow gaps

Fair employee salary loans at
no risk or cost to your business

For employees

For your business