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Future Money.
Built for your business.

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

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BUSINESS CREDIT LINE

Business loans for Filipino companies

Scale further with a non-collateral credit line of up to ₱20M and 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.

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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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Future Salary Access

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?

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

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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

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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

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

Never miss a payment to suppliers or staff

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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

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₱ 100 billion

in combined revenue of

our active customers

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100,000+ people

employed by 

our active customers

Our customers' average profile

SMALL BUSINESSES

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15 years

average time in business

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₱51.5 M

in annual revenue

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42 people

average no. of employees

MEDIUM BUSINESSES

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34 years

average time in business

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₱1.8 B

in annual revenue

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155 people

average no. of employees

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Alma Plaza

IMVJ Apparel

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.

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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.

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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.

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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.

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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.
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Roy Lopez, Chief Operating Officer
BlackOps Studios Asia
Partner since 2023
BlackOps Logo
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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.

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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.

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Oren Cabrera

Maglev Air Conditioning Corp.

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

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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.

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Ma. Lina Moya

Richworld Infra Solutions Corp.

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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.
Ma. Linda Moya, President and CEO
Richworld Infra Solutions Corp.
Partner since 2023
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Anita Mataga

FlexNet System Incorporated

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ENGINEERINg
With First Circle, help comes immediately. We don’t even need to go to you (First Circle). We just let you know that we’re applying for a loan, and it gets processed right away without any hassle.
Anita Mataga, Managing Partner
FlexNet System Incorporated
Partner since 2022
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Erwin Manarpiis

Otus Copy Systems, Inc.

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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
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Daniel Cruz III

SH-CCPM Enterprise

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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.
Daniel Cruz III, Owner
SH-CCPM
Partner since 2020
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Quick and easy application process

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Apply online in 5 minutes

Only 3–7 documents needed

No paperwork, no branch visits — 100% online

Open an account today
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What sets us apart

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

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.
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