First Circle Business Financing
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Business Financing Solutions
Give your business room to grow.
Access a revolving business credit line from First Circle to help manage cash flow, support operations and take on new business opportunities.
GET STARTED — MESSAGE USFinancing is provided by First Circle. Junrix e-Services assists with inquiries and the application process.
First Circle Business Credit Line
Flexible funding for everyday business needs.
Keep your business moving with a revolving credit facility designed for eligible Philippine businesses. Access financing within your approved credit limit and use it for working capital and business cash-flow needs, subject to the facility terms.
Credit limit
Up to ₱25 million
Depending on business assessment and approval.
Interest rate
Starting at 0.79%
Indicative starting rate for unsecured financing.
Repayment terms
1–24 months
Choose from available terms offered upon approval.
Application update
1–2 business days
Indicative timeframe for an initial update.
Why consider a First Circle Business Credit Line?
No collateral required
Explore unsecured business financing, subject to credit approval.
Revolving credit access
Access funds within your approved credit limit in line with your facility terms.
No opening fee
The credit line is free to open.
Flexible repayment
Available terms range from 1 to 24 months, with no early termination or maintenance fees.
USD disbursement option
A USD disbursement option is available, subject to applicable terms.
Straightforward online process
Submit your application and supporting documents through the provider's process.
Who can apply?
First Circle business financing is intended for registered Philippine businesses with the required business and financial documents.
| Business type | Annual revenue guideline |
|---|---|
| B2B – Business to Business | Above ₱1 million |
| B2C – Business to Consumer | Above ₱25 million and at least 1 year in operation |
Businesses should be registered with the BIR and the appropriate registration authority (DTI or SEC). Eligibility and approval are determined by First Circle.
Documents you may need
Prepare the documents applicable to your business structure. Additional documents may be requested during assessment.
Corporation
- Valid ID (UMID, driver's license or passport)
- SEC Certificate of Registration
- General Information Sheet (GIS) with SEC acknowledgment page
- Articles of Incorporation
- Secretary's Certificate
- Audited Financial Statements (AFS) with SEC acknowledgment page
- Bank statements covering 3–6 months
- Proof of ongoing projects (for B2B)
Sole Proprietorship
- Valid ID (UMID, driver's license or passport)
- BIR Form 2303
- DTI Certificate
- Income Tax Return (ITR) with BIR stamp
- Bank statements covering 3–6 months
- Proof of ongoing projects (for B2B)
Take the next step
Let's talk about your business financing needs.
Connect with Junrix e-Services for an initial inquiry and step-by-step application guidance.
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First Circle is the financing provider and makes all credit decisions. Rates, credit limits, eligibility, fees and repayment terms are subject to assessment and may change. Junrix e-Services provides independent inquiry and application assistance and does not guarantee approval.