First Circle

First Circle operates a full-stack fintech platform designed to address a structural problem in the Philippine market: over 90% of small and medium enterprises lack access to traditional bank credit. Since 2016, the company has deployed over ₱16 billion in loans to thousands of Filipino businesses, functioning as both a digital lender and emerging neobank for SMEs. The technical scope spans the full financial services stack. Core offerings include non-collateral business credit lines up to ₱20 million, online business banking accounts, express loans, and specialized financing for solar projects and salary access. The platform integrates payments, foreign exchange services, corporate cards, and payroll systems - building infrastructure that consolidates banking and lending into a single digital interface rather than forcing businesses across multiple service providers. First Circle operates as a regulated entity - SEC-registered as a financing company and designated as the official Finance Partner of the Philippines Department of Trade and Industry. The company's growth trajectory reflects market fit: customers show average revenue growth of 80% within two years of partnering with the platform.