Fuel Your Business Ambitions

Business Credit up to ₱5,000,000. No collateral required, subject to approval.Application review times may vary.

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Free

Working Capital Credit

Buying inventory & managing cash flow

Quota

Equipment Financing

Upgrading machinery or office tech

Interest

Business Expansion Credit

Opening a new branch or warehouse

Your Path to Funding

FOUR SIMPLE STEPS TO SUCCESS

01

Quick Application

Simple digital application designed for business owners.

02

Document Upload

Securely submit your business and financial documents online.

03

Credit Review

Applications are reviewed by our credit team. Subject to approval.

04

Funds Disbursement

Approved funds are transferred to your designated account.

Who can apply?

No Fees

Minimum 2 Years Operation

Demonstrated business stability and track record.

Total Control

Filipino-Owned

Minimum 60% Filipino ownership required for compliance.

Subscription Manager

Sole Prop / Partnership / Corp

All legal business entities registered in the PH.

Document Checklist

  • Check BIR Form 2303 (Certificate of Registration)
  • Check Latest 6-month Bank Statements
  • Check 2 Valid Government-Issued IDs (Owner/Directors)
  • Check Proof of Business Address (Utility Bills)

*Additional documents may be requested based on the loan amount and assessment.

FAQs

Any Filipino-owned business (at least 60% ownership) that has been operational for at least 2 years and is registered with DTI or SEC.
No. Our business loans are unsecured, meaning you don’t need to pledge your house, car, or equipment as collateral.
You can borrow from ₱100,000 up to ₱5,000,000. Repayment terms are flexible, ranging from 12 to 60 months.
Our rates are competitive and based on your business credit profile, with an annual interest rate starting as low as 8%.
Generally, you need your BIR Form 2303, a valid Mayor’s Permit, 6 months of bank statements, and 2 valid government-issued IDs of the owner/directors.
Once we receive your complete set of documents, our team will provide a credit decision within 7 business days.
Yes! You can use the funds for inventory purchases, equipment upgrades, store renovation, or general working capital.
Once approved and the contract is signed, funds will be disbursed directly to your registered business bank account via InstaPay or PESONet.
At Finbubu, we don't charge early repayment penalties. You can settle your loan early to save on future interest charges!
For your convenience, payments are made via Auto-Debit Arrangement (ADA). You can also pay through our authorized payment partners nationwide.

Finbubu is operated by Finbubu Limited, which provides platform-as-a-service (PaaS) to its partner, Rural Bank of Kibawe (Bukidnon), Inc.

Terms and Conditions apply. All deposit and credit products and services made available through Finbubu are provided exclusively by Rural Bank of Kibawe (Bukidnon), Inc. Finbubu Time Deposit is a deposit product of Rural Bank of Kibawe (Bukidnon), Inc., a duly licensed and regulated bank supervised by the Bangko Sentral ng Pilipinas (www.bsp.gov.ph). Deposits are accepted only within bank premises or through authorized bank channels. Deposits are insured by PDIC up to ₱1 Million per depositor.

Credit services are provided by licensed financial institutions. Approval, credit limits, interest rates, and repayment terms are subject to partner evaluation and applicable regulations.