First Circle

First Circle is a Philippines-based financing company regulated by the Securities and Exchange Commission (SEC). It offers non-collateral business loans, credit lines, salary advances for employees, solar financing and free invoicing, with business banking provided through its partner bank Netbank, which is regulated by the Bangko Sentral ng Pilipinas.

Its customers are small and medium enterprises in the Philippines. The website describes credit lines that customers pay for only as they use them, with rebates for early repayment, and free online business bank accounts; the company also describes itself as building a full-stack neobank.

Founded in 2016 and operating since then, First Circle reports lending over ₱16B to Filipino businesses. Its funding history on the website includes a $1m seed round, a $6m Series A in 2018, a $25m debt facility in 2022 and US$7m from the International Finance Corporation in 2025. Its headquarters are at Bonifacio Global City, Taguig. The careers page lists 26 open roles, mostly in the Philippines, with others in Singapore, Hong Kong and Kuala Lumpur, including a country manager for new market expansion in Malaysia.

Product: Online business banking accounts, non-collateral credit lines and business loans, Future Salary Access employee salary loans, solar financing and free BIR-compliant invoicing for SMEs.