# First Circle

**Canonical:** https://apis.io/providers/first-circle/  
**Website:** https://firstcircle.ph  
**APIs profiled:** 0

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.

## Kin Score — 9.1 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 9.1).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Payments**: 21.9 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **First Circle Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/first-circle/). Scores are computed from the provider's own public artifacts under a published rubric.