EXPRESS BUSINESS LOAN

Same-day credit with our Express Business Loan

Apply nowSee rates and loan amounts

Why choose our Express Business Loan?

Get same-day approval

Simple, fixed fee

No collateral required

Get same-day approval

Drawdown your first funds in as little as 24 hours, and seize new opportunities or address urgent business needs without delay.

Simple, fixed fee

No hidden charges, no complicated paperwork—just straightforward financing with full transparency.

No collateral required

Access the funds you need without risking your assets, so you can focus on growing your business.

Ultra-fast, same-day disbursements

Get immediate funding

Access the capital you need, when you need it—approved today, disbursed fast, so you never miss an opportunity.

Zero interest, one fixed fee

Know exactly what you’ll pay upfront—no hidden costs, just total transparency with a simple fixed fee.

Flexible repayment options on your terms

Choose a repayment plan that fits your cash flow, and benefit from 0.5% rebate on early repayments.

Rates & Terms

No Collateral Requirement

All credit options are zero-collateral

Loan Period

Up to 1 month

Easy Application

Less than 5 documents required

Repayment Options

Single repayment within 1 month for an early repayment fee discount of 0.5% rebate. A 3% fee applies for rescheduled dates.

Annual Business Revenue

Credit Limit

Monthly Interest

Fees

Over ₱ 200 million

₱ 10 - 20 million

0%

3% Processing Fee

₱ 15 - 200 million

₱ 1 - 10 million

0%

3% Processing Fee

Under ₱ 15 million

₱ 250,000 - 2 million

0%

3% Processing Fee

ANNUAL BUSINESS REVENUE

Over ₱ 200 million

Credit Limit

₱ 10 million - ₱ 20 million

MONTHLY INTEREST

0%

FEES

3% Processing Fee

ANNUAL BUSINESS REVENUE

Between ₱ 15 - 200 million

Credit Limit

₱ 1 million - ₱ 10 million

MONTHLY INTEREST

0%

FEES

3% Processing Fee

ANNUAL BUSINESS REVENUE

Under ₱ 15 million

Credit Limit

₱ 250,000 - ₱ 2 million

MONTHLY INTEREST

0%

FEES

3% Processing Fee

Eligibility Requirements

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Business Documents

Your business is registered with BIR, DTI (for sole proprietorship) or SEC (for partnership or corporation)

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Business Owner

You are a resident of the Philippines, with a valid government-issued ID or Alien Registration Card (ARC)

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Business Financials

Your annual business revenue is at least ₱5 million

If you meet all these qualifications, get a free credit line assessment in 3 minutes.
Get a credit assessment now

FAQs

What is an Express Business Loan?

Who is this best for?

How can I apply?

Have more questions? Visit our Help Center

Quick and easy application process

Apply online in 5 minutes

Only 3–7 documents needed

No paperwork, no branch visits — 100% online

Open an account today

Need a different credit product?

Business Credit Line

Grow smarter with a non-collateral credit line of up to  ₱20M —use what you need, repay on your terms.

Learn more

Business Credit Plus

Fuel your business growth with a longer-term credit line—no collateral needed. Ideal for expanding your company.

Learn more

Smart Salary Loans

Empower your employees with flexible salary loans that improve retention and come at no financial risk to your business.

Learn more

Join the 5000+ businesses that chose First Circle

With First Circle, immediate ang rescue, hindi kami kailangan pumunta sa inyo. Sasabihin lang namin na maglo-loan kami, processed na agad, hindi ka na maghihirap.
Anita Mataga, Managing Partner
FlexNet System Incorporated
Partner since 2022
With lower interest rates, faster release, and of course the good customer service and relationship with First Circle, we’re here to stay for long.
Ma. Linda Moya, President
Richworld Infra Solutions Corp.
Partner since 2023