• Interest rate (p.a.)

    20.88% - 20.88%

  • Loan Tenure

    0.5 - 0.5 years

  • Approval Duration

    Up to 5 business days

  • Min. monthly income


Loan calculator
Loan amount
Loan tenure
Monthly salaryRM0
Interest rate (p.a)


Monthly Repayment


Total Interest Payable₱0
Total Amount Payable₱0
What's so great about First Circle Business Loan?
  • Up to ₱2,500,000 loan amount for first time borrowers.
  • Approval duration of up to 5 business days only
  • Interest rates range starts for as low as 1.74%
  • Get interest rebates for early repayments!

Product Features

Min. financing amount₱0
Max.financing amount ₱10,000,000.00
Min. loan tenure15 days
Max. loan tenure6 months
Interest rate1.74%-2.5% per month
Approval durationUp to 5 business days
Debt consolidationNo

Fees & Charges

One time set up
Processing fee1.99%
Stamp dutyN/A
Disbursement & misc. feeN/A
Early settlementEarly repayments are well accepted and incentivized with interest rebates!
Late payment charges2% weekly


Age requirementAge 21 - 65
Employment eligibilityN/A
Min. salary requirement₱0 gross per month
Guarantor / Collateral requirementNo

Other Requirements

Need to open linked banked account?No
Other detailsPayment thru cheques or PDCs

Product Review byiMoney

First Circle SME Business Loan FAQ

How much can I borrow?

With a First Circle Business Loan, first time borrowers may get approved as much as ₱2,500,000 to as much as ₱10,000,000 subject to approval.

What are the First Circle Business Loan Requirements?

An applicant must fulfill First Circle's eligibility criteria for a loan consequently, after filling out an application form, the following documents are necessary:

  • 1 official ID
  • Proof of Billing
  • DTI or SEC Certificate
  • BIR Certificate
  • GIS
  • Purchase Order OR invoice

*Additional documents may be required during credit evaluation.

How does the First Circle Business Loan Calculator work?

The First Circle Business Loan calculator computes the estimated cost of borrowing and amount of payment per installment. Input the desired loan amount to automatically get the estimated monthly amortization for different tenors.

Additional funds can come in handy especially for a growing company’s business operations. Find the one you need with these alternative options:

BDO SME Business Term Loan
  • BDO’s SME Term Loan allows businesses to get additional capital for expansion purposes as you receive loanable amounts from a minimum of ₱1M up to a maximum of ₱20M, payable up to 10 years. It offers flexible loan tenure from 1 to 10 years, starting at a competitive interest rate of 7.5% per annum.

  • Global Dominion Financing Incorporated Doctors Loan
  • If you are a doctor, dentist, medical physician or practitioner, you can now apply for a Doctors Loan through Global Dominion Financing Incorporated. For any funding requirement, be it for expansion, additional equipment, or personal need, you can loan up to ₱300,000 without a required monthly income. With quick approval in 1 - 3 days, you can pay up to a year, with interest rate of 1.75% per month.

  • BPI Family Ka-Negosyo Franchise Business Loan
  • Start your own franchise with a BPI Family Ka-Negosyo Franchise Business Loan. With no collateral requirement, get the capital funding needed with competitive rates starting at 10% interest per annum, payable up to 3 years.

  • Check out the rest of the featured Business Loans listed on our website and select which facility is right for your needs.