Get PHP 10,000 for each successful referral

and 1% cash back voucher each for you and your referral!

Refer a B2B Business*



First Circle is a financial technology company that provides supply-chain financing solutions to SMEs in the Philippines.

*Terms and conditions apply

*Business to Business (B2B) is a business model where a company sells goods or services to other companies.

1% cash back vouchers will have unique codes that can only be claimed on your next loan with us.

This reward system is effective April 22, 2019 onwards.

Note that you cannot refer your own business.

Accelerate the growth of Filipino businesses by referring a friend

*Five (5) days processing time assumes timely submission of information and documents by the customer as well as an average third-party verification timeline.

Straightforward Funding

First Circle provides up to PHP 2,500,000 to first-time clients for the fulfillment of large purchase orders or to bridge cash flow gaps through invoice financing. 

Fast & Simple Process

We leverage our proprietary technology to accelerate the funding process of our clients.*  

Support Filipino Businesses

First Circle found a simpler, more secure and more convenient way to provide SMEs access to funding; referring a SME enables us to help accelerate the growth of their business

Start Earning

Receive Php 10,000 net of withholding tax from us for every referred client that takes a loan with First Circle. 

Product Tailored to Filipino SMEs

Purchase Order Financing

Never miss a business opportunity again. Get access to more capital to take on larger orders and meet increased client demands.

Invoice Financing

Bridge your cash flow gaps. Finance your invoices now and keep doing business instead of waiting for a delayed payment.

Loan Duration

First Circle finance purchase orders & invoices with terms of up to 6 months. For those that have terms of more than 6 months, First Circle will still be able to finance once the maturity date is 6 months away.

Processing Fee

Our Processing Fee starts at 1.99% of the total loan amount and it goes down as you build up your credit history with First Circle. 

Interest Rate

Our Interest Rate starts at 1.74%. Interest rates will vary depending on the business profiles of both the applicant and the business associated with the purchase order or invoice. 

First Circle Growth Finance

Copyright © 2019

"First Circle is something that will really make a big difference to help businesses in the Philippines."



Supported by the Philippine Government


"SMEs should only borrow from registered lenders like First Circle. They ensure welfare of borrowers by being compliant to the Truth in Lending Act."


Former Chairperson

Department of Trade and Industry (DTI)

Securities and Exchange Commission (SEC)


More and more entrepreneurs are trusting First Circle as their financial partner

"Highly recommended! Very fast processing and convenient. I can do everything online. Truly the first of its kind! Thank you First Circle for helping us grow our business!"

Cristy Leoncio Pipo

RDP Events and Exhibits

"I'm very happy with the service of First Circle. The entire process from initial meeting, until we submitted the invoices for approval and then release of money took about one week total. The process was so seamless and convenient."

Catherine Sollano-Cusi

Aqua Technologies, Inc.