First Circle

In the Philippines, more than 90% of businesses struggle to access credit from traditional banks, leaving a massive funding gap that stifles growth and innovation. First Circle exists to change this reality by using technology to radically improve access to capital for small and medium enterprises. Since 2016, the company has deployed over ₱16 billion in loans, helping thousands of Filipino businesses achieve an average of 80% revenue growth within two years of partnering with them.

As the fastest-growing fintech in the Philippines, First Circle combines the speed and convenience of digital banking with the personalized support of a trusted partner. The company offers a comprehensive suite of financial products - including non-collateral business credit lines up to ₱20 million, free online business banking accounts, express loans, and specialized financing solutions like solar and salary access. As an SEC-registered financing company and official Finance Partner of the Department of Trade and Industry, First Circle is building the full-stack neobank that Filipino businesses deserve, offering multi-currency accounts, payments, FX, corporate cards, and payroll all in one platform.