An at-a-glance summary of interest rates and loan terms across all products.
- Rates
- Express Business Loan: No interest (repayment is due after 1 month)
- Business Credit Line (BCL): 0.99% – 3.49% per month (depends on business profile, transaction type, and loan product)
- Business Credit Line Plus (BCL+): 1.49% – 2.39% per month (depends on business profile, transaction type, and loan product)
- Paying Additional Interest
- Online bank transfer
- Cash deposit
- GCash
- Other e-wallet transfers
- Factors that can help you qualify for longer terms
- Strong revenue in your latest fiscal year
- Healthy income-to-debt ratio
- Good repayment history with First Circle
- Positive credit history with other financing institutions