--- title: First Circle Blog | SME description: SME | First Circle empowers Filipino SMEs through business loans, growth tools, government guides, and more --- [![First-Circle-Logo-Lockups-Horizontal-Lockup-White copy](https://blog.firstcircle.ph/hubfs/First-Circle-Logo-Lockups-Horizontal-Lockup-White%20copy.png "First-Circle-Logo-Lockups-Horizontal-Lockup-White copy")](https://www.firstcircle.ph) - Business Financing - [Revolving Credit Line](https://www.firstcircle.ph/business-financing/revolving-credit-line) - [Process and Requirements](https://www.firstcircle.ph/business-financing/process-and-requirements) - [Our Story](https://www.firstcircle.ph/about/our-story) - Resources - [FAQs](https://firstcircle.zendesk.com/hc/en-us) - [Blog](https://www.firstcircle.ph/blog) - [Contact](https://www.firstcircle.ph/contact-us) - [Refer a Business](https://www.firstcircle.ph/refer) - [Log In](https://my.firstcircle.ph/login) - [Apply Now](https://onboarding.firstcircle.ph/pre-qualification-form/step-1) [Philippine E-Commerce to Reach ₱200bn by 2020](https://blog.firstcircle.ph/philippine-e-commerce-to-reach-200bn-by-2020) The e-commerce industry in the Philippines is expected to reach 200 billion by 2020. Learn its implications to our local e-commerce businesses. [Read More](https://blog.firstcircle.ph/philippine-e-commerce-to-reach-200bn-by-2020) [![Philippine E-Commerce to Reach ₱200bn by 2020](https://blog.firstcircle.ph/hubfs/Blog%20Photos/May%202019/Top%2010%20Blogs/Philippine%20E-commerce%20to%20Reach%20200%20Billion%20by%202020/Philippine%20E-Commerce%20to%20Reach%20200%20Billion%20by%202020.jpg)](https://blog.firstcircle.ph/philippine-e-commerce-to-reach-200bn-by-2020) [Philippine E-Commerce to Reach ₱200bn by 2020](https://blog.firstcircle.ph/philippine-e-commerce-to-reach-200bn-by-2020) October 26, 2022 [![How to Get Ahead of the ](https://blog.firstcircle.ph/hubfs/79110352_448690949169039_2778891183936503808_n-1.jpg)](https://blog.firstcircle.ph/how-to-get-ahead-of-the-ber-months-rush) [How to Get Ahead of the "BER Months" Rush](https://blog.firstcircle.ph/how-to-get-ahead-of-the-ber-months-rush) December 3, 2019 [![Providing Cashless Options for your Customers](https://blog.firstcircle.ph/hubfs/Blog%20Photos/May%202019/Inbound%20Blog%206%20Financial%20Technology%20for%20SMEs%20(Tips%20to%20Use%20to%20Your%20Advantage)/First%20circle%20Blog%206Hero%20Photoo.jpg)](https://blog.firstcircle.ph/providing-cashless-options-for-your-customers) [Providing Cashless Options for your Customers](https://blog.firstcircle.ph/providing-cashless-options-for-your-customers) November 29, 2019 # Business and Financing Guides for Filipino SMEs Learn all about local business loans, growth tools, guides for PhilGEPS and DTI, and more [![How to Review Business Loan Contracts](https://blog.firstcircle.ph/hubfs/Blog%20Photos/August%202019/Blog%2016/First%20circle%20Blog%2016Secured%20or%20unsecured%20(photo)%20.jpg)](https://blog.firstcircle.ph/loan-contract-analysis-an-easy-guide-for-reviewing-business-loan-contracts) [How to Review Business Loan Contracts](https://blog.firstcircle.ph/loan-contract-analysis-an-easy-guide-for-reviewing-business-loan-contracts) Understanding the elements of a loan contract is crucial before securing business loans in the Philippines. Read on to find out more. August 10, 2019 [![How to Bid on Government Contracts through PhilGEPS](https://blog.firstcircle.ph/hubfs/Blog%20Photos/July%202019/Blog%2015/First%20circle%20Blog%2015Hero%20Photo.jpg)](https://blog.firstcircle.ph/how-to-bid-on-government-contracts-through-philgeps) [How to Bid on Government Contracts through PhilGEPS](https://blog.firstcircle.ph/how-to-bid-on-government-contracts-through-philgeps) Are you looking to bid for government contracts? PhilGEPS requirements for suppliers include valid business documents and a membership fee of Php... July 31, 2019 [![Equipment Loan: What is it and Why You Should Get One?](https://blog.firstcircle.ph/hubfs/Blog%20Photos/July%202019/Blog%2014/First%20circle%20Blog%2014Hero%20Photo.jpg)](https://blog.firstcircle.ph/equipment-loan-what-is-it-and-why-you-should-get-one) [Equipment Loan: What is it and Why You Should Get One?](https://blog.firstcircle.ph/equipment-loan-what-is-it-and-why-you-should-get-one) An equipment loan is an equipment financing option that allows business owners to purchase new equipment without paying the full amount upfront. July 24, 2019 [![Philippine FinTech Companies for SMEs: Which One Do You Need?](https://blog.firstcircle.ph/hubfs/Blog%20Photos/July%202019/Blog%2013/First-circle-Blog-13Hero-Photo.png)](https://blog.firstcircle.ph/philippine-fintech-companies-for-smes-which-one-do-you-need) [Philippine FinTech Companies for SMEs: Which One Do You Need?](https://blog.firstcircle.ph/philippine-fintech-companies-for-smes-which-one-do-you-need) Learn the different FinTech companies in the Philippines and how you can use each one to your business’s advantage. July 19, 2019 [![Pros and Cons of Bank Business Loans vs. Private Financing](https://blog.firstcircle.ph/hubfs/Blog%20Photos/July%202019/Blog%2012/First%20circle%20Blog%2012Hero%20Photo.jpg)](https://blog.firstcircle.ph/local-business-funding-pros-and-cons-of-bank-loans-and-private-financing) [Pros and Cons of Bank Business Loans vs. Private Financing](https://blog.firstcircle.ph/local-business-funding-pros-and-cons-of-bank-loans-and-private-financing) Reliable funding sources are crucial to business growth. Explore the pros and cons of the two major sources of business financing. July 10, 2019 [![FinTech Benefit: Faster B2B Transactions in the Philippines](https://blog.firstcircle.ph/hubfs/Blog%20Photos/June%202019/Blog%2010/First%20circle%20Blog%2010Hero%20Photoo.jpg)](https://blog.firstcircle.ph/fintech-benefit-faster-b2b-transactions-in-the-philippines) [FinTech Benefit: Faster B2B Transactions in the Philippines](https://blog.firstcircle.ph/fintech-benefit-faster-b2b-transactions-in-the-philippines) The emergence of FinTech startups in the Philippines paves the way to overall operational efficiencies which are crucial for business growth. June 26, 2019 [![Business Success in Manila: 16 Must-Know Tips](https://blog.firstcircle.ph/hubfs/Blog%20Photos/May%202019/Business%20Success%20in%20Manila%2016%20Must%20Know%20Tips/Business%20Success%20in%20Manila-%2016%20Must%20Know%20TipsHero%20Photo.jpg)](https://blog.firstcircle.ph/business-success-in-manila-16-tips) [Business Success in Manila: 16 Must-Know Tips](https://blog.firstcircle.ph/business-success-in-manila-16-tips) Running a business anywhere in the world is tough but in Manila, it's particularly hard. Want to increase your chances of business success in Manila? May 28, 2019 [![What are Purchase Order Loans?](https://blog.firstcircle.ph/hubfs/Blog%20Photos/May%202019/Inbound%20Blog%202%20Purchase%20Order%20Financing/First%20circle%20Blog%202Hero%20Photoo.jpg)](https://blog.firstcircle.ph/purchase-order-loans) [What are Purchase Order Loans?](https://blog.firstcircle.ph/purchase-order-loans) Purchase order loans are a quick and easy source of capital funding to help businesses fulfill larger client orders. May 12, 2019 ![subscribe-image](https://blog.firstcircle.ph/hubfs/subscribe-image.png "subscribe-image") Subscribe to our Newsletter Sign up for the best of First Circle, tailored for you. ![Pilllar-Loan-Repayment-Basics_Resized](https://blog.firstcircle.ph/hs-fs/hubfs/Pilllar-Loan-Repayment-Basics_Resized.jpg?width=1500&name=Pilllar-Loan-Repayment-Basics_Resized.jpg "Pilllar-Loan-Repayment-Basics_Resized") Business Financing [Revolving Credit Line](https://www.firstcircle.ph/business-financing/revolving-credit-line) [Rates and Terms](https://www.firstcircle.ph/rates_and_terms) [Process and Requirements](https://www.firstcircle.ph/process_and_requirements) About First Circle [Our Story](https://www.firstcircle.ph/our_story) [Careers](https://www.firstcircle.ph/careers) Resources [Frequently Asked Questions](https://firstcircle.zendesk.com/hc/en-us) [Blog](https://www.firstcircle.ph/blog) Connect With Us [Facebook](https://www.facebook.com/firstcircleph) [Twitter](https://twitter.com/firstcircleph) [Instagram](https://www.instagram.com/firstcircleph) [Youtube](https://www.youtube.com/channel/UCybmIxy2PIuImZ66CeOEHfw) [LinkedIn](https://www.linkedin.com/company/firstcircle) Account [Apply](https://onboarding.firstcircle.ph/pre-qualification-form/step-1) [Log In](https://my.firstcircle.ph/login) Contact Us [Refer a Business](https://www.firstcircle.ph/refer) [Support](https://firstcircle.zendesk.com/hc/en-us) ![logo-white](https://blog.firstcircle.ph/hs-fs/hubfs/First-Circle-Logo-Lockups-Horizontal-Lockup-White%20copy.png?width=150&name=First-Circle-Logo-Lockups-Horizontal-Lockup-White%20copy.png "logo-white") © 2020 First Circle, All Rights Reserved.