First Circle

First Circle is a Philippine fintech offering digital business banking and non-collateral financing to small and medium enterprises. Its products include free online business bank accounts, business credit lines up to PHP 20M, same/next-day express business loans, longer-term Business Credit Plus, future salary access for employees, and solar financing. The company is 100% online with five-minute account opening and no branch visits, serves over 5,000 Filipino businesses, and has disbursed roughly PHP 16 billion in loans. It is licensed by the Securities and Exchange Commission (SEC), with banking delivered through partner rural banks regulated by the Bangko Sentral ng Pilipinas (BSP). It was surfaced as a 500 Global portfolio company. No public developer API surface is currently published.

First Circle is profiled on the APIs.io network. Tagged areas include Company, Fintech, Financial-Services, Lending, and SME Financing.

First Circle’s developer surface includes support, engineering blog, and 4 more developer resources.

🌐 Visit website 📡 Source on GitHub

9.1/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

0 APIs

Company Fintech Financial-Services Lending SME Financing Digital Banking Philippines Payments

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 9.1/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 3.3 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/first-circle: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: first-circle
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/first-circle.png
name: First Circle
description: First Circle is a Philippine fintech offering digital business banking and non-collateral financing to small
  and medium enterprises. Its products include free online business bank accounts, business credit lines up to PHP 20M, same/next-day
  express business loans, longer-term Business Credit Plus, future salary access for employees, and solar financing. The company
  is 100% online with five-minute account opening and no branch visits, serves over 5,000 Filipino businesses, and has disbursed
  roughly PHP 16 billion in loans. It is licensed by the Securities and Exchange Commission (SEC), with banking delivered
  through partner rural banks regulated by the Bangko Sentral ng Pilipinas (BSP). It was surfaced as a 500 Global portfolio
  company. No public developer API surface is currently published.
url: https://raw.githubusercontent.com/api-evangelist/first-circle/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Financial-Services
- Lending
- SME Financing
- Digital Banking
- Philippines
- Payments
tags_raw:
- Company
- Fintech
- Financial Services
- Lending
- SME Financing
- Digital Banking
- Philippines
- Payments
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/first-circle-domain-security.yml
- type: Website
  url: https://firstcircle.ph
- type: Support
  url: https://firstcircle.zendesk.com/hc/en-us
- type: Blog
  url: https://firstcircle.ph/blog
- type: TermsOfService
  url: https://firstcircle.ph/company/terms-conditions
- type: PrivacyPolicy
  url: https://firstcircle.ph/company/privacy-policy
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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