Working Capital Credit
Buying inventory & managing cash flow
Explore Business Credit Options from Licensed Financial Institutions
Business financing options up to ₱5,000,000 may be available, subject to evaluation and approval by the licensed financial institution providing the service.
How the Application Process Works
Four Simple Steps
01
Submit Your Application
Complete a digital application designed for business owners.
02
Upload Supporting Documents
Securely submit your business and financial documents online.
03
Institution Review
Applications are reviewed by licensed financial institutions. Subject to approval.
04
Approval and Funding
If approved, funds will be provided by the licensed financial institution approving your application.
Who can apply?
Minimum 2 Years Operation
Demonstrated business stability and track record.
Filipino-Owned
Minimum 60% Filipino ownership required for compliance.
Sole Prop / Partnership / Corp
All legal business entities registered in the PH.
Document Checklist
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BIR Form 2303 (Certificate of Registration)
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Latest 6-month Bank Statements
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2 Valid Government-Issued IDs (Owner/Directors)
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Proof of Business Address (Utility Bills)
*Additional documents may be requested based on the application details and the evaluation requirements of the licensed financial institution.
FAQs
Any Filipino-owned business (at least 60% Filipino ownership) that has been operational for at least 2 years and is registered with DTI or SEC may apply, subject to evaluation and approval by the licensed financial institution reviewing the application.
Certain business credit options may not require collateral, subject to the evaluation criteria of the licensed financial institution.
Available financing amounts may range from ₱100,000 up to ₱5,000,000, with repayment terms ranging from 12 to 60 months, depending on the product and the licensed financial institution providing the service.
Rates vary depending on the applicant’s business profile and the evaluation criteria of the licensed financial institution. Annual interest rates may start from 8%, subject to approval and applicable terms.
Required documents may include BIR Form 2303, a valid Mayor’s Permit, recent bank statements, and valid government-issued IDs of the business owner or directors. Additional documents may be requested during the evaluation process.
Processing times may vary depending on document completeness and the review process of the licensed financial institution evaluating the application.
Approved funds may be used for legitimate business purposes, including inventory purchases, equipment upgrades, store renovation, or working capital, subject to the terms of the licensed financial institution providing the service.
If approved, funds will be disbursed by the licensed financial institution to the applicant’s registered business bank account through available banking channels.
Early repayment policies vary depending on the licensed financial institution and the applicable financing terms. Details will be disclosed before you proceed.
Repayment methods depend on the licensed financial institution providing the service and may include auto-debit arrangements or other available payment channels.
The Finbubu app is operated by Finbubu Limited, a technology platform provider. Finbubu does not provide financial services, does not operate as a bank, and does not accept deposits.
Financial products and services available through the platform are provided by licensed financial institutions in the Philippines. Additional licensed financial institutions may be introduced over time.
Applications may be evaluated by one or more licensed financial institutions based on their own criteria. If approved, the specific financial institution providing the service will be clearly identified before you proceed.