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About First Circle About First Circle
Creating an Account Creating an Account
Financing Financing
Repayment Repayment
Managing Your Account Managing Your Account
Refer a Business Refer a Business
Bayanihan Act FAQs Bayanihan Act FAQs

About First Circle

How First Circle Works

What is First Circle?
What are the qualifications to get a loan from First Circle?
How long should a business be existing to be eligible for financing?
Do you finance retail entities (e.g. sari-sari stores)?

How First Circle Finances Businesses

How do I apply?
What type of loan are you offering?

Other FAQs

Do you offer personal loans?
Do you offer loans to individuals who want to start a business?
What is your operating schedule?
Where is your office located?
How can we contact you?
Is First Circle legitimate? (Company Registration)

Creating an Account

Eligibility

Am I qualified for financing?
What is First Circle's current serviceable areas?
Which construction sub-industries are qualified to apply for a business loan?
Am I still eligible for financing even if my customers are based overseas?

Requirements

What are the requirements?
What documents are accepted as future revenue documents?
Where do I submit my requirements?
Document Templates for Secretary Certificate, Managing Partners Certificate and Sole Proprietor Owners Affidavit
Can I submit my requirements in hard copy?

Verification

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?

Financing

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?
Can I request for a credit line increase?
Why is my credit line locked?
My 6 months term with my Revolving Credit Line is over, how can I renew it?

Interest Rate, Terms, Transaction Fees

What are your interest rates?
How do you determine the interest rates?
Is it possible to minimize interest fees?
What is the term for a loan?
How much is the transaction fee?
How do I sign my Subscription Fee Contract?

Loan Requests and Acceptance

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?
What are the accepted cheques?
How to upload a cheque?
My cheque is already available for pick-up, what do I need to do?
Do you have a cut-off for cheque collection?
Do I have to pay for a courier fee for the cheque pick up?

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?

Other FAQs

What can I do if I don't have an existing checking account?
How can I track my existing loans?
Can I apply for a new loan even if I have existing loans?
Do I need to have a checking account?

Repayment

Repayment

Can I pay off my financing earlier than the due date?
Can I pay off a rescheduled loan earlier than the rescheduled date?
How do I pay the new repayment amount for early repayments?
Can I reschedule a loan to a later date?
How can I reschedule?
What fees am I going to incur for each time I reschedule?

Late Repayment

What happens when I fail to reschedule?
Can I reschedule on the repayment date?
How to settle late payments?

Managing Your Account

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?

Refer a Business

Referral Program

How do referrals work?
How do I refer?
How will I know the status of my referral?
How much is the incentive?
Do I get a Php 10,000 incentive for each referral?
Do I still get a referral fee if I refer the business of my spouse/family member?

Agent Program

How to apply as an agent?
What are the requirements to be a First Circle agent?
How much can I earn as a First Circle agent?
I am a First Circle agent, where can I submit my lead?
How do I know if I am talking to an accredited First Circle agent?
Where can I submit my suggestions, clarifications and feedback about the First Circle Agent Program?

Bayanihan Act FAQs

Bayanihan 1 FAQs

How does Section 4 (aa) of the Republic Act No. 11469, otherwise known as the Bayanihan toHeal as One Act (the “Bayanihan Act”), affect my loans with First Circle?
Which loans are qualified for the Payment Extension?
How does the Payment Extension work at First Circle?
How do I avail myself of the Payment Extension?
Are you allowed to charge interest during the Payment Extension?
Is the Payment Extension interest-free?

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Bayanihan 2 FAQs

How does Section 4 (uu) of the Republic Act No. 11494, otherwise known as the Bayanihan to Recover as One Act (“Bayanihan 2”), affect my loans with First Circle?
Is my loan qualified for the Grace Period?
How does the Grace Period work?
When does the Grace Period start?
What do I do to use the Grace Period?
I have more than one loan that satisfies the 1-2-3 requirements for the Grace Period. Which loan gets the Grace Period?

See all 22 articles

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