General Information

• What is First Circle?
• What kind of services do you offer?
• Are my data safe with First Circle?

Registration and Accreditations

• Is First Circle legitimate? (Company Registration)

Other FAQs

• What is your operating schedule?
• Where is your office located?
• How can we contact you?

Eligibility

• How do I qualify?
• What are First Circle's current serviceable areas?

Requirements

• What are the requirements?
• What documents are accepted as future revenue documents?
• Where do I submit my requirements?
• What is Summary Alphalist of Witholding Tax (SAWT) and how can I use it in my loan application?
• What is a valid Summary Alphalist of Witholding Tax (SAWT)?

Application Process

• How is an account verified?
• How long does it take to get my application approved?
• How can I know the application status of my account?

Document Templates

• Document Templates for Secretary Certificate, Managing Partners Certificate, Sole Proprietor Owners Affidavit and Continuing Suretyship

Revolving Credit Line

• What is a Revolving Credit Line?
• How is my total Revolving Credit Line amount determined?
• How can I use my Revolving Credit Line?
• Why is my credit line locked?

Credit Line Renewal

• My Credit Line decreased from the previous year, what can I do to increase my limit?
• Can I still increase my Credit Line when I already renewed?
• My 12 months term with my Revolving Credit Line is over, how can I renew it?

Interest Rate, Terms, Transaction Fees

• How much is your interest rate?
• What is the term for a loan?
• How much is the convenience fee?

Loan Requests and Acceptance

• Why was my loan request rejected?
• How can I drawdown funds from my First Circle account?
• How do I sign the loan contract?
• What should I do after signing my loan agreement?
• Can I still change my loan details after I sent out a drawdown request?

Cheque Issuance & Pick-up

• What do I write on the cheque?
• List of Serviceable Areas for Cheque Pick Up
• My business address is not a part of the Serviceable Areas for Cheque Pick Up, what do I need to do?
• My cheque is already available for pick-up, what do I need to do?

Fund Disbursement

• How can I receive my funds?
• How long would it take to receive my funds?
• How to know the status of my disbursement?

Repayment

• Can I reschedule my due dates?
• How to settle late payments?

Other FAQs

• Can I apply for a new loan even if I have existing loans?
• Do I need to have a checking account?

Application Process

• What are the requirements needed for the employee to apply?
• What are the requirements that the employer needs to submit?

Qualifications

• What kind of employees are eligible?
• Who can apply for Smart Salary Access with First Circle?

Disbursement

• Where will the funds get disbursed?
• How soon will the employee/s get the funds?

FAQs

• How do I repay my salary loans?
• What is the interest rate?
• What are the payment terms?
• How much is the available loan?
• What are the kinds of salary loans offered?

Account Settings

• How do I keep my account updated?
• Why can't I log in to my account?
• How do I reset my password?
• How to change my user log-in email address?
• How to retrieve my forgotten email address?