How can we help you?
- About First Circle About First Circle
- Creating an Account Creating an Account
- First Circle Platform First Circle Platform
- Business Credit Line Business Credit Line
- Collections Collections
- Smart Salary Access (Salary Loans) Smart Salary Access (Salary Loans)
- Business Banking Business Banking
- Managing Your Account Managing Your Account
- Referrals Referrals
Creating an Account
Eligibility
Requirements
- What happens to my documents after reviewing?
- Does the Secretary's Certificate need to be notarized?
- Can I submit in-house financial statements?
- Is it okay if I submit partial documents only?
- I don't have bank statements. What other alternative documents can I submit?
- How many months of bank statements should I submit?
Application Process
- How will I be notified if its approved/result?
- Where do I get the updates?
- Is there a way to delete my information or documents?
- Why am I rejected?
- Where can I follow up?
- How can I change my log in email address?
Document Templates
First Circle Platform
Disbursement FAQs
Drawdown process
- How to upload cheques?
- Can I just upload the checks later?
- Can other people take out a loan for me?
- My screen keeps on loading after I click 'Confirm Drawdown'. What should I do?
- I cannot see the option to add a bank or upload a check. What should I do?
- I cannot upload a check. What should I do?
Business Credit Line
Business Credit Line
Credit Line Renewal
- Will I get notified once you're done processing my credit line renewal?
- How would I know if I am submitting the correct documents?
- What happens if I do not renew my credit line this year?
- I have good paying history, why didn’t my credit line increase?
- Why did my interest rate change after credit line renewal?
- Why did my credit line change after credit line renewal?
Interest Rate, Terms, Transaction Fees
- How do you pay for the additional interest rate?
- How did you compute for my interest rebates?
- Do you have longer terms?
- How do I get longer terms?
- How much is your interest rate?
- What are your terms?
Loan Requests and Acceptance
- How would I know that my loan request is approved?
- Can I still cancel my loan request after approval?
- Can I print and sign the loan contract and send it to you?
- I did not receive the loan contract. What should I do?
- I cannot sign the contract. What should I do?
- Why was my loan request rejected?
Cheque Issuance & Pick-up
Fund Disbursement
Repayment
- Can I still reschedule if my due date is today?
- Why is my Rescheduling Request Denied?
- Who are eligible for early repayment?
- How to make an early repayment?
- How do I reschedule?
- Is it possible to settle my loan early?
Other FAQs
Collections
FAQs
- What is the turn around time for posting of payment?
- What's a notice of dishonor? Why do I have to sign it?
- I have an overdue. Can you hold my other checks too?
- I sent a rescheduling request but you still deposited my check. How will I resolve this?
- Will my overdue affect my credit limit?
- How much is the late fees?
Document Request
Smart Salary Access (Salary Loans)
Application Process
Qualifications
Disbursement
FAQs
- How to update my employees information? (Mobile number, email address etc)
- How much is the processing fee for Smart Salary Access?
- Do I have to pay if I want to enroll in Smart Salary Access?
- What is Smart Salary Access?
- How much is the interest for Smart Salary Access?
- What are the payment terms?
Business Banking
Netbank
- Can I do netbank transactions outside First Circle?
- Error message during security questions?
- OTP Delayed, what to do?
- How do I change my number for the OTP?
- Can I change my number for the OTP?
- OTP is not working. What should I do?
First Circle Pay Account
- How to approve transactions in my Pay Account?
- How many transfers can I make in a day?
- Is my money safe in my Pay Account?
- If I want to transfer money, how long is the processing time?
- How do I check the status of my cash transfer?
- How to check my Pay Account past transactions?
Managing Your Account
Account Settings
- Can you please explain to me the access types?
- Why do I need to provide suretyship agreement of my partner?
- Can you delete my documents if I get rejected?
- How do I add other team members to my account?
- Can I get a loan while waiting for the result?
- Can I provide account access to other employees?
Referrals
Referral Partners Program
- How is the incentive computed for the Referral Partner's Program?
- How much can I get as a Referral Partner?
- How is the Referral Partners Program different from the Referral Program?
- Who are eligible for the Referral Partners Program?
- How to become a Referral Partner?
- What is the Referral Partners Program?
General
- If my referral fails to pay, will I be a guarantor?
- I am a First Circle client. Is there a portal where I can submit the leads directly?
- I am a First Circle client. Can the referral fee be applied to my current loan in the form of rebates?
- What kind of businesses can I refer?
- What are the information needed from my referral?
- What are the documents needed from my referral?
Incentive
- How will I get my incentive for my referral?
- Does my client have to take a loan in order for me to get an incentive?
- How long will I wait until I get my incentive?
- When do I get the referral fee?
- Will I get a bigger incentive if I refer a big business?
- How much is the referral incentive?