First Circle

First Circle is a fintech company based in the Philippines, founded in 2016. It specializes in providing affordable and flexible financial services to small and medium enterprises (SMEs), particularly in business-to-business (B2B) trade financing. Regulated by the Securities and Exchange Commission (SEC) of the Philippines, First Circle focuses on bridging credit gaps for SMEs by offering merit-based access to capital without relying on collateral. The company offers a range of financial products tailored to the needs of SMEs, including a Business Credit Line, Express Business Loan, Business Credit Line Plus, Smart Salary Access, and fee-free business banking and payment solutions. First Circle serves over 3,000 unique customers, helping many access credit for the first time. With a mission to drive financial inclusion, First Circle aims to empower SMEs and plans to expand its services to other Southeast Asian markets.