Philippine Financing Programs

FINANCING PROGRAMS
FOR MICRO, SMALL

AND MEDIUM ENTERPRISES
PREFACE
The growing number and significant role of micro, small and medium
enterprises (MSMEs) in spurring national economic growth prompted the
compilation and pulication of this handbook on Financing Programs for
Micro, Small and Medium Enterprises.
The implementation of micro financing and SME lending programs by

various institutions is generally recognized as an essential tool in stimulating
entrepreneurial activities. Through this compendium, the Bureau of Small
and Medium Enterprise Development (BSMED) aims to increase the
Filipino entrepreneurs awareness on sources of funding available from
government and private sector institutions for his business, and encourage
him to access these facilities based on the capabilities of his enterprise.
This menu of financial services will hopefully develop and strengthen the
ability of MSMEs to better manage their operational activities and possibly
embolden them to cater to areas beyond their traditional markets.
This compilation is an initiative of BSMED under the Department of Trade

and Industry (DTI) with funding support from the Japan International
Cooperation Agency (JICA).
TABLE OF CONTENTS
I. MICRO FINANCING PROGRAMS
Foundation for a Sustainable Society, Inc. (FSSI) 3

Microfinance Eco-Enterprise Program (MEEP)
GSIS Family Bank (GFB) 4

GSIS Family Bank Microfinance Lending Program
Land Bank of the Philippines (LBP) 7

Microfinance Program
Cooperative Lending Program (CLP)
National Livelihood Support Fund (NLSF) 12

Livelihood Credit Assistance Program (LCAP)
Youth Entrepreneurship Financing Facility
Program (YEFFP)
Credit Assistance for Coconut Farmers (CACF)
Special Tie-up
Livelihood Development Program for Overseas
Filipino Workers
Opportunity Microfinance Bank (OMB) 19

Individual Micro Business Loans
Group Micro Loans
Peoples Credit and Finance Corporation (PCFC) 22

Microfinance Program
Philippine Enterprise Development Foundation

(PEDF) 25
Balikatan sa Kaunlaran (Partnership for Progress)
Small Business Corporation (SB Corporation) 27

SME-Funding Entry Point for Entrepreneurs in
Livelihood Program (SME-FEEL)
II. SME FINANCING PROGRAMS
Asiatrust Bank 31
Bank Carry Term Loan
Short Term Loan
Discounting Line / Receivables Discounting
Domestic Letter of Credit / Trust Receipt
Import Letter of Credit / Trust Receipt
Department of Science and Technology (DOST) 36

Small Enterprises Technology - Upgrading
Program (SET-UP)
Development Bank of the Philippines (DBP) 38

Credit Line for Micro, Small and Medium
Enterprises (CLMSME)
Sustainable Logistics Development Program
(SLDP)
Environmental Infrastructure Support Credit
Program II (EISCP II)
Kreditanstalt fur Wiederaufbau - Industrial
Pollution Control Loan Project (KfW-IPCLP)
Credit Line for Solid Waste Management
(CLSWM)
Education Sector Credit Program
Foundation for a Sustainable Society, Inc.

(FSSI) 48
Coconut Business Integration & Development
Program (COCOBIND)
Solid Waste Eco-Enterprise Program (SWEEP)
Sustainable Partnership for Eco-Enterprise
Development (SPEED)
Fund for Sustainable Civil Society Start-up Eco-
Enterprise Development Program (FSCS-SEED)
Government Service Insurance System (GSIS) 52

GSIS Special Financing Program
Land Bank of the Philippines (LBP) 53
Easy Pondong Pang-Asenso (EPPA)
Special Financing Assistance to Small & Medium
Exporters (SFA-SMEx)
SME Unified Lending Opportunities for National
Growth (SULONG)
Accelerating Change in the Countryside thru
Equity Sharing Strategy (ACCESS)
Retail Countryside Fund (RCF I and II)
Countryside Loan Fund Program (CLF I, II, and
III)
National Livelihood Support Funds (NLSF) 63

Isang Bayan, Isang Produkto, Isang Milyong Piso
(1M1)
Philippine Business for Social Progress (PBSP) 65

Small and Medium Enterprise Credit Program
(SMEC)
Philippine Export-Import Credit Agency

(PHILEXIM) 67
Special Credit Facility for Export Development
(SCFED)
Short Term - Direct Lending Program (ST-DLP)
Medium & Long Term - Direct Lending Program
(MLT-DLP)
Growth (SULONG)
Preshipment Export Finance Guarantee (PEFG)
Postshipment Export Risk Guarantee (PERG)
Term Loan Guarantee Program (TLGP)
Philippine National Bank (PNB) 79

Small Business Loan (SBL)
Planters Development Bank 81
Revolving Credit Line
Mortgage Optimizer
Term Loan
Contract to Sell (CTS) Purchase Facilities
Quedan Corporation (Quedancor) 85

Urban and Rural Poor Program
Philippine Dairy
Credit and Entrepreneurship Assistance Program
for Agricultural Engineering Students and
Organizations
Self-reliant Farmers/Fisherfolk (SRF)
Swine Program
Fisheries
Quedancor 20-20-20 Program for Palm Oil
Small Retail Enterprise (SRE)
Income Augmentation and Livelihood (IAL)
Women Entrepreneurs
Food and Agricultural Retail Enterprises (FARE)
Livestock and Poultry
Quedancor-SMC Credit Program for Cassava,
Corn, Sorghum & Soybean
Small Business Corporation (SB Corporation) 95

SME-Financing for Receivables of Suppliers
Transactions (SME-FIRST)
SME-Financing for Receivables of Suppliers
Transactions Expanded (SME-EFIRST)
SME Financing Reach for Exporters thru Network
Development (SME-FRIEND)
SME-Financing for Organizationally Competent
and Excellent Franchise Businesses (SME-
FORCE)
SME-Guarantee Incubation for DTI-Endorsed
Projects (SME-GUIDE)
SME-Guarantee for Enterprises in Manufacturing
and Services (SME-GEMS)
SME-Guarantee Resources for Agribusiness
Investments (SME-GRAIN)
SME-Guarantee Lines for Anchor Industries
(SME-GLAD)
Gurantee for Suppliers of Locators of PEZA/BOI
SME-Guarantee Undertaking of Industries in
Livelihood Development Program (SME-GUILD)
SME-Funding Access for Short Term Loans
(SME-FAST)
SME-Funding for Investments in Regional
Markets (SME-FIRM)
SME-Equity Ventures Program (EVP)
Social Security System (SSS) 108

Growth (SULONG)
The SSS Special Financing Program
Industry Loan Program
Financing Program for Tourism Projects
Special Financing Program for Vocational &
Technical Schools
Hospital Financing Program
SSS Financing Program for Educational
Institutions
III. PROGRAM CLASSIFICATION

Micro Financing Program 119
Financing Programs for SMEs 120
MICRO FINANCING
PROGRAMS
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FOUNDATION FOR A SUSTAINABLE SOCIETY, INC. (FSSI)
Unit E, 46 Samar Avenue cor. Eugenio Lopez Street, South Triangle,
Quezon City
Program Title: MICROFINANCE ECO-ENTERPRISE PROGRAM

(MEEP)
Program Objectives:
To facilitate the entry and effective participation of the marginalized
poor and micro enterprises in eco-enterprises; and
To contribute to the financial sustainability of FSSI thru investing
and developing proactive product for microfinance institutions.
Eligible Borrowers: Community Financial Institutions.
Loan Purposes:
Regular & Time Deposits
Deposit Line
Term Loan
Credit Line
Terms/Requirements:
Amount: Minimum of P500,000.00; Maximum of P12.0 Million.
Interest Rate:
Organized Marginalized Group & Development Organization: 90-
day Tbill + 2%VAT.
Private Social Enterprise: 90-day Tbill + 2%VAT + 2%.
Maturity / Repayment:
Three to five years in monthly, quarterly, semi-annual, or annual
payments.
Security:
75% Real Estate Mortgage
Chattel Mortgage
Deed of Assignment, and
Joint and Several Signatures (JSS).
Contact Details:
Mr. Mariel Vincent Rapisura
Phone/Fax: (632) 928.8671
Email: [email protected]
www.fssi.com.ph
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GSIS FAMILY BANK (GFB)
165 Real Street Pamplona, Las Pias City
Program Title: GSIS FAMILY BANK MICROFINANCE LENDING

PROGRAM
Program Objectives:
To introduce an alternative credit system for the urban and rural
poor in order to ensure them of access to credit.
To reduce dependency on moneylenders who charge high interest
rates.
To reduce dependency on grants/dole-outs given by some private
and government agencies.
To facilitate the credit needs of the poor to finance income-generating
activities.
To empower especially women through their involvement in
economic activities and their participation in decision-making
process.
To encourage the poor to use their time, effort and talents
productively.
Eligible Borrowers:
At least 18 years old but not more than 60 years old, preferably
women. A student or an employed person may not become a
borrower since the livelihood activities require full-time
responsibilities.
Must have stayed in the present residence for at least one year and
is known in the community.
Must be of good moral character as attested by the co-members.
Must be poor who engage or about to engage in livelihood activities
(to those who have no livelihood projects yet, the skill and qualities
must be present).
Eligible Projects:
Any micro-enterprise/livelihood activity (trading, services, vending)
that can generate immediate additional income.
Projects which are within the capacity of the borrower to manage.
If the project cannot generate immediate income, the borrower must
have a secondary source of income in order to service weekly
amortization.
Must be legal.
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Terms/Requirements:
Amounts:
First Loan Cycle Maximum of P10,000.00
Second Loan Cycle Maximum of P20,000.00
Third and Subsequent Loan Maximum of P50,000.00
The general rule in determining the amount of the loan shall be the
requirement of the proposed livelihood project and acceptance of the
responsibility of the group members. Moreover, for the succeeding loan,
the amount shall also be based on 1) repayment performance of the
borrower, 2) attendance during weekly meeting, and 3) improvement
of livelihood activities.
Interest Charges: The loan shall be charged an interest rate that will
enable the bank to cover its financial cost, operating cost, opportunity
cost, administrative cost and inflation rate plus a modest return. GFBs
rate of 3% per month (straight-line method) is also the prevailing market
rate of Microfinance Institutions (MFIs).
Loan Duration: All loans shall have uniform loan duration of 24 weeks
(6 months). However, the term may be shortened to 12 weeks if at the
start of the training, the group agrees to shorten the loan period and if
the cash flow would show the ability of the borrower to pay the weekly
amortization. If the weekly meeting falls on a holiday, the loan duration
may become 25 weeks or 13 weeks, whichever is the case.
Mode of Payment: Payable in weekly amortization. No advance payment

shall be accepted.
Security:
As much as possible, no collateral shall be required from the borrowers
except the following:
Secure the signatures of all her co-group members as her joint and
several co-makers.
Sign a deed of assignment of deposit to empower the bank to apply
her savings against her loan in case of default.
Loan must be secured under an issuance company accredited by the
bank.
Strictly abide to the policies and guidelines of the microfinance
program.
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Savings Requirement: For every loan that is to be granted, the borrower
shall be mandatorily required to save at least 20% of the loan availed.
These savings may be accumulated during the social preparation, pre-
deducted upon the release of the loan or amortize weekly together with
the loan. Withdrawal from this savings shall be discouraged except for
meritorious reasons and such withdrawal must be returned at the soonest
possible time.
Contact Details:
Mr. Boyito A. Quiroz
Phone: (632) 873.0915
Fax: (632) 873-0119 (632) 873-5924
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LAND BANK OF THE PHILIPPINES (LBP)
1598 M.H. Del Pilar corner Dr. J. Quintos Streets, Malate, Manila
Program Title: MICROFINANCE PROGRAM

Program Objectives:
General
To support government efforts to alleviate poverty by empowering
the marginalized sector towards economic growth.
Specific
To expand the Banks outreach to the poor who do not have access
to the formal financial system;
To promote the active participation of microfinance institutions in
the credit delivery system;
To promote savings mobilization of poor households; and
To strengthen partner-MFIs in its microfinance operations and help
deliver capability building support to micro-enterprises.
Mode of Credit Delivery: Landbank will be a wholesaler of funds to

microfinance institutions (MFIs)
Target (MFIs) Borrowers:
Cooperatives (Coops)
Countryside Financial Institutions (CFIs)
Non-Government Organizations (NGOs)
Eligible Borrowers:
Microfinance Institutions (MFIs) that passed the basic requirements
of LBP and the Risk Assets Acceptance Criteria (RAAC)
Sub-borrowers
With asset size of not more than P3Million including those arising
from loans, but excluding land on which the particular entities
business are situated
Must engage in lawful income generating activities except agri-
related loans for cooperatives
Loan Purposes:
Relending to qualified sub-borrowers for their productive economic
activities
Rediscounting of sub-promissory notes (PNs)
For institutional support
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Terms/Requirements:
Basics:
Duly registered with the appropriate registering agencies (CDA for
Coops; BSP and SEC for CFIs and SEC for NGOs);
At least 3 consecutive years experience in lending, one year of which
is on microfinance;
With audited financial statements for the last 3 years (audited by
external auditor); and
With capacity to engage in microfinance but not limited to
functioning MIS, savings program; manual of microfinance
operations, BOD approved 3 years microfinance business plan,
continuing staff development, 2 BODs with one year experience in
microfinance, at least 3 full time officers/staff and separate unit to
handle microfinance.
Amount:
Short Term Loan Line (STLL) Funding requirement for 180 days
or networth whichever is lower.
Rediscounting Line Maximum of 85% of the face value of sub-
PNs; Maximum of P150,000.00 per sub-borrower.
Term Loan Maximum of 10% of the approved rediscounting line
supported by the proposed Action Plan/ Feasibility Study and
identified needs of the MFI.
Interest Rate: (aligned with PCFC rate)

STLL 12% per annum + 1% service fee + 10% VAT on interest.
Term Loan Preferential rate (subject to the availability of funds) +
10% VAT on interest.
STLL Maximum of one year, renewable at the option of the Bank,
payment on or before the maturity of the Promissory Note (PN).
Term Loan
Three years for purchase of computer, printer, office furniture
and equipment, staff trainings, and communication equipment.
Five years for purchase of 4-wheel vehicles, motorcycle, system
improvement, or setting up of additional branch.
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Mode of Releases:
Rediscounting Line via (maximum) of 180-day PN.
STLL via (maximum) of 360-day PN.
Term Loan Parallel with still availments; initial release shall be
strictly 10% of the STLL availments.
Security:
Real Estate/Chattel Mortgage,
Hold out on deposits,
Joint and Several Signatures (JSS),
Deed of Assignment of Sub-borrowers Promissory Notes including
Underlying Collaterals.
Contact Details:
Program Management Department (PMD)
Phone: (632) 522.0000 (632) 551.2200 locals 2650, 7309, or 2676
Program Title: COOPERATIVE LENDING PROGRAM
Program Objective: To help augment income, generate more economic

activities and transform peoples lives.
Eligible Borrowers:
Agricultural cooperatives small farmers, fisherfolk, and poultry/
livestock raisers.
Non-farmers/credit cooperatives market vendors, employees,
teachers, rural workers, women, etc. - which meet the following
criteria:
registered with CDA with a minimum of 60 members;
minimum paid-up share capital of P30,000.00;
all members should have attended Pre-Membership Education
Seminar;
core management team composed of qualified full-time treasurer/
cashier and qualified full-time bookkeeper and manager;
with on-going savings mobilization program resulting to an annual
average increase of savings of at least P500.00/member;
with on-going capital build-up program resulting in annual
incremental equity equivalent to P500.00 per member;
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with written policies, systems and procedures on membership
management, capital build-up and savings mobilization, credit,
accounting and budgeting, written plans and programs;
with duly installed books of accounts;
at least break-even in its operations;
must be conducting periodic performance review operations;
risk asset ratio of not less than 10%; and
past due ratio of not more than 25% for bank assisted
cooperatives/ newly accessing cooperatives.
Sub-borrowers Individual Households, Businesses, and
Microenterprises.
Loan Purposes:
Agricultural Production Loan (APL) provision of short/medium/
long term loans, depending on the gestation period of the crop/
project, for relending to cooperative members engaged in crop
production, livestock and poultry raising/breeding, fishery, and
aquaculture projects and other agri/aqua-related projects, including
cottage industries which utilize excess farm labor.
Working Capital Loan (WCL) for funding cooperative activities
requiring operating capital for purchase of raw materials, processing
and trading of inputs and/or finished products and the operation of
fixed assets.
Rediscounting Loan (RL) improvement of liquidity and provision
of capital requirements of eligible / accredited lending agents for
funding relending operations using promissory notes of members of
cooperatives.
Fixed Asset Acquisition (FAL) purchase of fixed assets to be used
in the cooperatives operation.
Terms/Requirements:
Amount:
Depends on the project needs or loan ceilings for traditional and
high-value crops which should not exceed 80% of the project cost.
For rediscounting maximum of 85% of face value of the sub-
promissory notes (PNs), except for sub-loans under the Innovative
Financing Scheme which have 100% loan value on sub-promissory
notes.
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Interest Rate: Prevailing rate at the time of availment.
APL/WCL lump sum depending on crop cycle and/or project cash
flow.
RL co-terminus with the maturity dates of batch of sub-promissory
notes rediscounted but not exceeding one year.
FAL equal quarterly, semi-annual or annual amortizations
depending on the financial projections and production cycle of the
project.
Security:
APL
Deed of Assignment of PCIC insurance/guarantee coverage.
Deed of Assignment of Produce.
Deed of Assignment of Sub-borrowers PNs.
WCL and FAL
Real Estate/Chattel Mortgage (REM/CM).
Mortgage on Objects of Financing.
Continuing Mortgage on Stocks.
RL
Deed of Assignment Sub-borrowers PNs including its underlying
collaterals.
Other acceptable collaterals Hold-outs, Assignments, REM, Guarantee
Coverage, Joint and Several Signatures (JSS).
Contact Details:
Phone: (632) 522.0000 (632) 551.2200 locals 2384 / 2579 / 2376
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NATIONAL LIVELIHOOD SUPPORT FUND (NLSF)
4th Floor, Hanston Building, Emerald Avenue, Ortigas Center, Pasig
City 1600
Phone: (632) 631.2955/57/44/47 (632) 914.7290 to 97
Fax: (632) 631.2953/54
Program Title: LIVELIHOOD CREDIT ASSISTANCE PROGRAM

(LCAP)
Program Objective: To stimulate local economic growth through
livelihood generation and development of Agrarian Reform Beneficiaries
(ARBs) and other farmer households through the use of partner institutions
as conduits for lending.
Eligible Borrowers:
Program Partners
Rural Financial Institutions (RFIs)
Cooperatives
Non-Governmental Organizations (NGOs)
Peoples Organization (POs).
End-Beneficiaries Agrarian Reform Beneficiaries (ARBs), Wives
and dependents of ARBs, Small Farmers and Fisherfolk, and other
non-farmer households in Agrarian Reform Communities and
KALAHI Agrarian Reform Zones, who meet the following criteria:
viable and ready market for its products and services;
project inputs/materials must be locally-sourced; and
project is consistent with the LGUs development plan.
Loan Purposes:
Revolving Credit Line funds for relending to finance the livelihood
project requirements of end-beneficiaries.
Soft Loan credit support funds for program partners to be used
for program staff training, social preparation and logistic expenses
to enhance the delivery of the livelihood credit program.
Terms/Requirements:
Amount:
Program Partners
Revolving Credit Line (RCL) Depends on the credit evaluation,
program plans and number of target beneficiaries but not to
exceed its total asset base.
Soft Loan Amount shall not exceed 10% of the RCL.
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End-Beneficiaries Maximum of P50,000.00 per borrower.
Interest Rates:
Program Partners
Revolving Credit Line (RCL) 9% per annum.
Soft Loan 3% per annum.
End-Beneficiaries not to exceed 24% per annum inclusive of all
charges.
Program Partners
Revolving Credit Line (RCL) maximum of one year with
quarterly/semi-annual/ annual payments.
Soft Loan maximum of three years with annual payments.
End-Beneficiaries depends on the agreed payment schedule with
program partners.
Security: No collateral.
Program Title: YOUTH ENTREPRENEURSHIP FINANCING

FACILITY PROGRAM (YEFFP)
Program Objective: To provide credit to the youth graduates of skills/
entrepreneurship training programs of the Technical Education and Skills
Development Authority (TESDA) and the National Youth Commission
(NYC) who wants to establish income-generating enterprises through the
use of partner institutions as conduits for lending.
Eligible Borrowers:
Program Partners
Cooperatives
Peoples Organization (POs).
End-Beneficiaries Out-of-school youth who meet the following
criteria:
obtained skills or entrepreneurial training from either TESDA or
NYC;
project inputs/materials must be locally-sourced; and
project is consistent with the LGUs development plan.
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Loan Purposes:
Terms/Requirements:
Amount:
Program Partners
Interest Rates:
Program Partners
charges.
Program Partners
Revolving Credit Line (RCL) maximum of one year in quarterly/
semi-annual/ annual payments.
Soft Loan maximum of three years in annual payments.
program partners.
Security: No collateral
Program Title: CREDIT ASSISTANCE FOR COCONUT FARMERS

(CACF)
Program Objective: To provide credit facility for coconut farmers, tenants
and farm workers to enable them to engage in livelihood activities through
the use of program partners as conduit for lending.
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Eligible Borrowers:
Program Partners
Cooperatives
Peoples Organization (POs)
End-Beneficiaries Coconut Farmers, Tenants, and Farm Workers
who meet the following criteria:
Project Inputs/Materials must be locally-sourced; and
Project is consistent with the LGUs development plan.
Loan Purposes:
Terms/Requirements:
Amount:
Program Partners
Interest Rates:
Program Partners
charges.
Program Partners
program partners.
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Program Title: SPECIAL TIE-UP (STUP)
Program Objective: To assist the establishment of microfinance projects

in partnership with the local government units (LGUs).
Eligible Borrowers:
Program Partners:
Local Government Units (LGUs)
Cooperatives
Peoples Organization (POs)
End-Beneficiaries Micro enterprises whose project inputs/materials
must be locally-sourced and project is consistent with the LGUs
development plan.
Loan Purposes:
Terms/Requirements:
Amount:
Program Partners
Interest Rates:
Program Partners
charges.
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Program Partners
program partners.
Program Title: LIVELIHOOD DEVELOPMENT PROGRAM FOR

OVERSEAS FILIPINO WORKERS (OWWA-NLSF
LDPO)
Program Objective: To help OFWs and their families start or sustain
their own business through lending, training on business management skills
and market link.
Eligible Borrowers:
All member-OFWs and former member-OFWs of the Overseas
Workers Welfare Administration (OWWA)
For married OFWs, one of their immediate family members (spouse/
children of legal age)
For single OFWs, their parents or siblings of legal age
Existing LDPO beneficiaries with good records of repayment
With a debt-equity ratio of 85:15
Loan Purposes:
Working Capital
Acquisition of fixed assets, except for the purchase of land
Building improvement
Terms/Requirements:
Amount:
Individual Borrower maximum of P200,000.00.
Organized and Registered Group of at least five members maximum
of P1.0 Million.
Interest Rate: 9% per annum.
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Working Capital Utilization
Short-Term working capital Two years
Permanent working capital Three years
Franchise Financing - payable semi-annually with one year grace
period.
Acquisition of Fixed Assets Utilization Maximum of five years
inclusive of one year grace period.
Building Improvement Utilization Three to five years depending
on the economic life of the asset.
Security:
Real Estate Mortgage (unmortgaged Transfer Certificate of Title)
Vehicle/Machine/Equipment/Appliances
Insurance policies against all applicable risks for the assets being
financed that shall be required during the term of the loan
Other securities acceptable to NLSF conduits.
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OPPORTUNITY MICROFINANCE BANK
OMB Building, Robinsons Homes East, Commercial Arcade-1, Antipolo
City
Program Title: INDIVIDUAL MICRO BUSINESS LOANS
Program Objective: To help enterprising individuals improve their

business through access of additional working capital.
Eligible Borrowers:
Filipino, aged 18-60 yrs. old, legal owner of the business
establishment;
Business must be in operation for at least 2 years in Rizal, Pateros,
Pasig, and Marikina.
Engaged in Trading, Vending, Manufacturing, and Services
Have clean collateral, such as real estate property, vehicle, equipment
or appliances, that can be offered against its loan from the bank;
Have the capacity to issue post-dated checks; and
Have a good credit standing.
Loan Purpose: Business expansion and purchases relating to its

business operation, such as inventory, vehicle, etc.
Coverage: Rizal, Pateros, Pasig, and Marikina.
Terms/Requirements:
Interest Rates:
With Real Estate collateral 1.75% per month or 21% per annum
With Equipment/Vehicle collateral 2% per month or 24% per
annum
With Appliance (P5,000.00 above) collateral 2.25% per month or
27% per annum
Maturity / Repayment: Six up to Twenty-four (24) months.
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Security:
Real Estate Property.
Vehicle, Equipment or Appliance.
Postdated Checks.
Contact Details:
Mr. Joel D. Clavecilla
Mr. Romel M. Primero
Phone: 630.0141 locals 235 or 238
Program Title: GROUP MICRO LOANS
Program Objective: To help micro entrepreneurs access loan funds for

their business operation without collateral documents.
Eligible Borrowers:
Group of at least 30 to 40 micro entrepreneurs having a daily or
weekly income from business activity such as sari-sari store, market
and fish vending, food vending, rug making, etc;
The residence of the members of the group should be located within
one area, and must be known and recommended by each member.
Also, the members must have a good character record in their
barangay; and
The members are willing to attend the weekly group meetings and
act as co-guarantor for each member of the group.
Loan Purpose: Working Capital for any income generating activities.

Coverage: Metro Manila, Rizal, and Bulacan.
Terms/Requirements:
Amount: P4,000.00 up to P20,000.00
Interest Rate: 16% interest
Maturity / Repayment: Six months or Twenty-four (24) weeks; Weekly

payments.
Security: Each member of the group gives P200.00 as initial deposit

and P40.00 succeeding minimum weekly deposit.
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Contact Details:
Antipolo: Archie Impirno
Phone: (632) 630.0141 local 307
Valenzuela: Arnaldo Villanueva
Phone: (632) 366.7933
Bagong Silang: Butch Padre
Phone: (632) 962.9070
Sapang Palay: Rose Mercado
Phone: (044) 691.5450
Fairview: Evangeline Madayag and Alexander Caponpon
Phone: (632) 931.6943/4217 ? 431.8696
Lower Caloocan: Jovylyn Corpuz
Phone: (632) 826.1602
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PEOPLES CREDIT AND FINANCE CORPORATION (PCFC)
Accelerando Building, 395 Sen. Gil J. Puyat Avenue, Makati City
Program Title: MICROFINANCE PROGRAM
Program Objective: To provide the poor with access to livelihood credit

and other microfinance services through accredited partner microfinance
institutions (MFIs).
Eligible Borrowers / Sub-Borrowers:
Borrowers (Accredited MFIs) Non-Government Organizations
(NGOs), Cooperatives, Rural and Cooperative Banks, Thrift Banks
duly organized, with either a track record of lending operations or
with proven capabilities in implementing microfinance programs that
can augment the income of targeted poor clients.
Sub-borrowers Households below the poverty threshold level as
defined by the National Economic Development Authority (NEDA)
and as identified by the Governments Social Reform Agenda through
the National Anti-Poverty Commission (NAPC).
Loan Purposes:
Borrowers/MFIs
Investment Credit a revolving credit line for relending to sub-
borrowers to finance their livelihood projects.
Institutional Credit for capability building activities of MFIs.
Sub-Borrowers working capital for income generating activities
(livelihood).
Terms/Requirements:
Amount:
Borrowers/MFIs Based on evaluation/credit needs.
Sub-Borrowers in Groups or Centers or Individuals up to a
maximum of P150,000.00 depending on sub-borrowers
requirements and cash flows.
-20-
Interest Rate:
Borrowers/MFIs
Investment Credit: 12% per annum + 1% service charge
Institutional Credit: 3% per annum + 1% service charge
Sub-Borrowers Subject to guidelines of the MFI Borrowers.
Maturity / Repayment
Borrowers/MFIs
Investment Credit
Institutional Credit
(per drawdown)
Short One year Two years
Medium Up to Four years
Long Up to Seven years
Sub-Borrowers Six months to One year term; normally payable

weekly or as per policy of the MFI.
Security
Borrowers/MFIs
Investment Credit Institutional Credit
Deed of Assignment of Mortgage of assets to be

Promissory Notes (PNs) of acquired from loan proceeds,
Sub-Borrower clients and if any.
underlying collaterals, if any.
Sub-Borrowers Essentially no collateral.
Program Partners or MFIs: Please inquire from the following PCFC

officials.
Contact Details:
Regions 1, 2, and CAR: Mr. Dennis A. Monong
AVP-AMG1
Phone: 752.3745
Regions 3 and 5: Mr. Ariel M. Tatlonghari
AVP-AMG2
Phone: (632) 752.3747
-21-
Regions 4 and NCR: Ms. Jessica A. Barrun
AVP-AMG3
Phone: (632) 752.3746
Regions 6, 7, and 8: Mr. Jose Rico C. Coligado
AVP-AMG4
Phone: 897.9673
Regions 9, 10, 11, 12, Mr. Erwin M. Idong
CARAGA, and ARMM: AVP-AMG5
Phone: 897.9680
Fax: (632) 897.8523 897.8528

www.pcfc.gov.ph
-22-
PHILIPPINE ENTERPRISE DEVELOPMENT
FOUNDATION (PEDF)
G/F Melendres Building, F. Manalo Street, Pasig City
Program Title: BALIKATAN SA KAUNLARAN (Partnership for

Progress)
Program Objective: To provide opportunities for poor Filipino families

particularly women to achieve self-reliance through self-help, training,
mentoring, and provision of sustainable financial services, including
collateral-free loans.
Eligible Borrowers:
Poor but enterprising women who fit the following criteria for
poverty:
their house index as indicated by the points system based on
floor area, type of material and roofing used should not exceed
the maximum of six (6) points, and
their income index per capita should not exceed P2,000.00 per
month.
Must be a group of 3 to 5 friends who trust each other and live
closely to be able to look after each other;
Must undergo a 2-day pre-loan orientation seminar to learn about
the programs philosophy and rules to be prepared for the discipline
required and pass the Group Recognition Test;
Must be willing to be federated with other recognized groups to
form a Center with a maximum of 40 women;
Must be willing to attend one-hour weekly Center meeting near their
homes; and
Must be willing to memorize and live by the Clients Verbal Pledge
(code of honor).
Loan Purpose: Working Capital for income generating activities (e.g.

livelihood).
Coverage: Metro Manila
Terms/Requirements:
Amounts:
General Loan P3,000.00 to P50,000.00
Special Loan P3,000.00 to 20,000.00
-23-
Interest Rate: Average interest ranges from 2.0 to 3.3% per month.
General Loan 12 to 50 weeks in weekly payments.
Special Loan 4 to 50 weeks in weekly payments.
Security:
For loans less than P20,000.00 no collateral.
For loans more than P20,000.00 Postdated Checks.
Contact Details:
Mr. Jovencio A. Guanzon
Executive Director
Mr. Choy Yringco
Control Manager
Phone: (632) 641.2207 642.3895
San Juan Branch Phone: (632) 718.0537
Tondo Branch Phone: (632) 712.8047
Marikina Branch Phone: (632) 934.8655
-24-
SMALL BUSINESS CORPORATION
(Small Business Guarantee and Finance Corporation)
17th & 18th Flrs, 139 Corporate Centre, 139 Valero Street, Salcedo
Village, Makati City
Program Title: SME-FUNDING ENTRY POINT FOR ENTRE-

PRENEURS IN LIVELIHOOD PROGRAM (SME-
FEEL)
Program Objective: A lending program to microfinance institutions which

have the organizational capability or strength to provide sustainable credit
access to borrowers in the livelihood sector.
Eligible Borrowers:
Non-Government Organizations (NGOs)/ Peoples Organizations
(POs).
Cooperative Banks/Rural Banks.
For Sub-Borrowers:
Must be microentrepreneurs with asset size of P3.0 Million and
below.
Must be willing to comply with the capital build-up requirement.
Borrower may either be an individual/sole proprietorship,
partnership, or group engaged in manufacturing, processing
trading, or services.
Must meet the other minimum eligibility requirements of the
conduit.
Loan Purpose: Working capital for re-lending to microentrepreneurs.

Terms/Requirements:
Amounts:
For Conduits Maximum of P50.0 Million
For Sub-Borrowers Maximum of P150,000.00
Interest Rate:
For Conduits 9% p.a. for loans availed with maturity of one year
and below; 11.25% p.a. for loans availed with maturity of more
than one year to three years; 12.75% p.a. for loans availed with
maturity of more than three years to five years. Subject to periodic
review. Interest rate shall be fixed for the entire duration of the
loan.
For Sub-Borrowers Depends on the conduit.
-25-
For Conduits
Term Loan up to five years
Credit Line one year
For Sub-Borrowers - Depends on the conduit.
Security:
For Conduits Endorsement from Microfinance Council of the
Philippines, Inc. (MCPI) for members, Real Estate Mortgage, Chattel
Mortgage, JSS of principal officers, Guarantee, if any, Postdated
Checks, Deed of Assignment on sub-borrowers PNs, Guarantees
and all underlying collateral.
For Sub-Borrowers Depends on the conduit but should include
object(s) of financing, if applicable.
Contact Details:
Mr. Hermogenes Miguel Pormento
Department Manager II
Phone: (632) 810.5791/95
Fax: (632) 813.5726
-26-
SMALL AND MEDIUM
ENTERPRISE (SME)
FINANCING PROGRAMS
-27-
ASIATRUST DEVELOPMENT BANK
1424 Quezon Avenue, Quezon City
Contact Details: Ms. Grace P. Gan / Ms. Cindy C. Viola

Branch Credit Group
Phone: (632) 924.5680 924.5650
Program Title: BANK CARRY TERM LOAN

Program Objective: To bridge the gap of payables and receivables of
small and medium enterprises.
Eligible Borrowers:
Single Proprietorship
Partnership
Corporation
Businessmen/Entrepreneurs
Loan Purposes:
Permanent Working Capital
Acquisition of Fixed Assets
Renovation/Expansion
Terms/Requirements:
Amount: Depends on the actual requirement.
Interest Rate: Prevailing market rates.
Maturity / Repayment: One to five years or depending on the actual

requirement and cashflow of the company.
Principal Equal monthly/quarterly amortization.
Interest Monthly/quarterly payment, based on diminishing balance.
Security:
Real Estate Properties or Chattel Mortgage;
Postdated Checks (PDCs) of the borrower; and
Continuing Suretyship of the Principals.
Program Title: SHORT TERM LOAN

Program Objectives: To bridge the gap of payables and receivables of
small and medium enterprises.
-29-
Eligible Borrowers:
Partnership
Corporation
Loan Purpose: For working capital requirement.

Terms/Requirements:
Amount: Depends on actual requirement.
Maturity / Repayment: One year

Principal Lumpsum upon maturity with provision for rollover.
Interest Monthly interest payment.
Security:
Real Estate Properties or Chattel Mortgage;
Program Title: DISCOUNTING LINE / RECEIVABLES

DISCOUNTING
Program Objective: To bridge the gap of payables and receivables of

small and medium enterprises through:
Discounting Line involves discounting of third party postdated
checks.
Receivables Discounting involves discounting of different types
of receivables like purchase orders or sales contract.
Eligible Borrowers:
Partnership
Corporation
Loan Purpose: Discount receivables for working capital.

Terms/Requirements:
Amount: Depends on actual requirement.
-30-
Availment: Co-terminus with the life of Receivables.
Maturity / Repayment: One year from date of approval.

Principal Lumpsum upon maturity.
Interest Discounted upon availment.
Security:
Real Estate Properties or Chattel Mortgage (optional).
Deed of Assignment of Receivables;
Third party postdated checks for check rediscounting;
Postdated Checks (PDCs) of borrower; and
Program Title: DOMESTIC LETTER OF CREDIT / TRUST RECEIPT
Program Objective: To provide a credit facility to a client, whereby the

payment of which is to be made to the beneficiary (seller) against
presentation of commercial documents. The payment to the beneficiary is
guaranteed by the bank, provided all documents conform with the terms
and conditions of the credit.
Eligible Borrowers:
Partnership
Corporation
Loan Purpose: For domestic purchase of raw materials.

Terms/Requirements:
Interest Rate: Prevailing market rates upon Trust Receipt date.
Availment: Via Trust Receipts for 90 days, renewable for another 90

days, subject to 25% partial payment on principal and subject to
inspection if goods under TR are still present.
-31-
Charges:
Opening Commission of 1/4 of 1% for the first 60 days and 1/8 of
1% every month, thereafter, and
Negotiation fee of 1/8 of 1%.
Security:
Trust Receipts on goods purchased via LC;
Marginal Deposit of 20%;
Program Title: IMPORT LETTER OF CREDIT / TRUST RECEIPT
Program Objective: This facility is offered to clients who are engaged in

the importation of raw materials or products for manufacturing, wholesale
or retail trading.
Eligible Borrowers:
Partnership
Corporation
Loan Purpose: For domestic purchase of raw materials.

Terms/Requirements:
Interest Rate: Prevailing market rates upon Trust Receipt date.
Availment: Via Trust Receipts for 90 days, renewable for another 90

days, subject to 25% partial payment on principal and subject to
inspection if goods under TR are still present.
Charges:
Opening Commission of 1/4 of 1% for the first 60 days and 1/8 of
1% every month, thereafter, and
All other charges relative to the LC opening for the account of the
borrower.
-32-
Security:
Trust Receipts on goods purchased via LC;
Marginal Deposit of 20%;
Asiatrust Development Bank is also accredited in the various special lending

programs of government:
Development Bank of the Philippines

Industrial & Support Services Expansion Program
Industrial Guarantee Loan Fund
Japan Export Import
Land Bank of the Philippines

Countryside Loan Fund 1 & 2
Countryside Loan Fund 3
Agricultural Loan Fund
Social Security System

Kabalikat sa Pagpapaunlad ng Industriya (KASAPI)
SSS Tourism Project
SSS Power Generation Programs
SSS School Financing Program
SSS Hospital Financing Program
SSS Special Financing Program
-33-
DEPARTMENT OF SCIENCE AND TECHNOLOGY (DOST)
Bicutan, Taguig, Metro Manila
Program Title: SMALL ENTERPRISES TECHNOLOGY

UPGRADING PROGRAM (SET-UP)
Program Objectives: To improve viability of small and medium enterprises

by providing financial assistance, in the form of cash advances from DOST,
to facilitate technology adoption and improve the productivity and
competitiveness of SMEs all over the country. Specifically, it aims to:
To improve productivity of participating enterprises;
To have higher quality products meeting world standards;
To increase employment opportunities in rural areas; and
To improve socio-economic conditions in rural areas.
Applicants:
Any company or individual firm based in the Philippines and wholly
owned by Filipino citizen.
Any small and medium enterprise classified under the identified
priority sectors such as: Food Processing, Furniture, Fashion
Accessories, Gift, Toys, Housewares, Handicrafts, and Natural Fibers
and Dyes, Marine and Aquatic Resources, Horticulture, Metals and
Engineering.
Individual firm that is willing to apply technological improvements
in their existing operations.
Individual firm willing to put up a counterpart cost on the
technological intervention.
Terms/Requirements:
Full-blown project proposal, to include aspects on technical,
marketing, management/administrative, financial, and waste disposal;
Copy of business permit and licenses (LGU);
Certificate of Registration of Business Name with DTI, SEC or CDA;
Board resolution authorizing the borrowing and designating
authorized signatories for the financial assistance (if applicable);
Endorsement of the DOST Regional Director; and
Three quotations from suppliers/ fabricators if equipment is needed.
-34-
Refund Period: Maximum of three years following the amortization
schedule.
Contact Department/Numbers:
SET-UP National Program Management Office
Phone: (632) 837.7531
-35-
DEVELOPMENT BANK OF THE PHILIPPINES (DBP)
Head Office: Sen. Gil J. Puyat Ave. cor. Makati Avenue, Makati City
Program Title: CREDIT LINE FOR MICRO, SMALL AND MEDIUM

ENTERPRISES (CLMSME)
Program Objective: To provide assistance to sectors considered to be

the backbone of our economy the Micro, Small and Medium Enterprises.
Eligible Borrowers:
Small and Medium-sized Enterprises (SMEs);
Microfinance Institutions (MFIs) and Participating Financial
Institutions (PFIs);
Local Government Units (LGUs);
SMEs and LGU projects must be engaged in the following sectors:
manufacturing, support industries, trading, service, communications,
computer software, transportation and transport services, storage
and warehousing facilities, and education linked to manufacturing;
Must be Filipino citizens or corporations organized under the laws
of the Philippines, at least 70% of whose capital is owned by the
citizens of the Philippines.
Loan Purposes:
For SMEs
Investment in construction, expansion and modernization of new
and existing capacities as well as related consultancy services;
Acquisition of machinery/equipment/new technology including spare
parts, components, industrial machinery and software packages;
Investment to enhance research and development, and innovation
efforts including training that would improve and strengthen
competitiveness of products; and
Permanent working capital for stock of raw materials, supplies and
other requirements needed.
For MFIs Acquisition of fixed assets and working capital.
For LGUs Acquisition of fixed assets.
Terms/Requirements:
Amount: Based on projects actual needs, debt repayment capacity,
and financial capacity to meet the equity requirement.
Interest Rate: Prime, Variable, or Fixed Rate
-36-
Maturity / Repayment: Generally based on cash flow.
For SMEs Maximum of 15 years with a grace period of five years.
For LGUs Maximum of ten years with a grace period of three
years.
Security: Real Estate/Chattel Mortgage or other acceptable collateral.
Program Partners:
Please inquire with DBP Head Office and Branches for the DBP-accredited
Participating Financial Institutions (PFIs).
Contact Details:
Program Lending II - Development Banking Sector
DBP Head Office, Gil Puyat cor Makati Avenue, Makati City
Phone: (632) 818.9511 to 20 locals 3112 or 3113
Program Management II Development Banking Sector

DBP Head Office, Gil Puyat cor Makati Avenue, Makati City
Phone: (632) 818.9511 to 20 local 2349
NORTHERN LUZON: Aparri, Ilagan, Solano, Tabuk, and Tuguegarao

- Regional Office: Tuguegarao (Phone: 078-846.3639 local 1406)
NORTHWEST LUZON: Baguio, Dagupan, Laoag, and San Fernando

- Regional Office: Dagupan (Phone: 075-523.7836 local 1400)
CENTRAL LUZON: Balanga, Baler, Clark, Malolos, Subic, and Tarlac

- Regional Office: Cabanatuan City (Phone: 044-463.1164 local 1400)
SOUTHERN TAGALOG: Calapan, Dasmarias, Lipa, Lucena,

Puerto Princesa, San Jose and Sta. Rosa.
- Regional Office: Lucena City (Phone: 042-373.1917/373.4274 local 1421)
BICOL: Daet, Legaspi, Masbate, Naga and Sorsogon.

- Regional Office: Legazpi City (Phone: 052-480.7456 local 1430)
CENTRAL VISAYAS: Bago, Cebu, Mactan, Mandaue and Tagbilaran.

- Regional Office: Cebu City (Phone: 032-255.6312/6322/25 local 1145)
EASTERN VISAYAS: Borongan, Catarman, Catbalogan, Ormoc.

- Regional Office: Tacloban City (Phone: 053-403.5591 local 1443)
-37-
PANAY: Antique, Iloilo, Jaro, Kalibo and Roxas.
- Regional Office: Iloilo City (Phone: 033-337.3224 local 1444)
NEGROS: Bacolod, Dumaguete, Kabankalan, San Carlos.

- Regional Office: Bacolod City (Phone: 034-434.9377/7193/9378)
NORTHEASTERN MINDANAO: Bataan, Mangagoy, San Francisco,

Surigao.
- Regional Office: Butuan (Phone: 085-341.5137 locals 1484 or 1490)
NORTHERN MINDANAO: Cagayan de Oro, Dipolog, Malaybalay,

Mambajao.
- Regional Office: Cagayan de Oro (Phone: 088-856.4517 local 1481)
SOUTHWESTERN MINDANAO; Basilan, Jolo, Zamboanga.

- Regional Office: Zamboanga City (Phone: 062-911.331)
SOUTHERN MINDANAO: Cotabato, General Santos,

Kidapawan, Marbel, Tacurong.
- Regional Office: General Santos (Phone: 083-522.952 local 1466)
SOUTHEASTERN MINDANAO: Davao, Digos, Mati, Tagum.

- Regional Office: Davao (Phone: 082-221.2660 local 1461)
NATIONAL CAPITAL REGION: Camp. Aguinaldo, Commonwealth,

Muntinlupa, Quezon Ave., Manila.
- Regional Office: Commonwealth (Phone: (632) 920.4904/4903/47776)
Program Title: SUSTAINABLE LOGISTICS DEVELOPMENT

PROGRAM (SLDP)
Program Objective: To bring about cost effective ways of moving people

and goods particularly grains, perishables including fish, meat, fruits and
vegetables. The program has three components namely: the Grains
Highway; Road RORO Terminal System; and the Cold Chain. The fund is
accessible through DBP marketing units/branches and participating financial
institutions such as, private/government banks, financing and leasing
companies.
Eligible Borrowers:
Filipino citizens;
Private enterprises, at least 70% Filipino;
Local Government Units (LGUs); and
Government Owned & Controlled Corporations (GOCCs).
-38-
Eligible Projects:
Grains Highway
Grains Processing Centers (with mechanical shelling, drying &
bulk storage)
Bulk Trucking
Grains Terminals (including ports, silos and bulk handling
equipment)
Bulk Carriers
Other post harvest facilities
Road RORO Terminal System
RORO terminal facilities
RORO vessels
Cold Chain
Processing & marketing centers
Aggregating Centers
Reefer vans/transport equipment
Other cold storage facilities
Other Maritime Related Projects
Vessel (new and second-hand acquisition; conversion or
upgrading)
Port development
Port and Terminal Facilities
Cargo handling facilities
Shipyards
Upgrading of facilities and curriculums of maritime schools to
meet international standards for seafarers
Loan Purposes:
Acquisition of Equipment
Upgrading of Equipment/Facilities
Civil Works
Terms/Requirements:
Amount: 80% of the total project cost
Interest Rate: Prime Fixed or Variable Rates
Maximum repayment term of 15 years, with an allowable grace period
of one to three years.
-39-
Security:
Chattel/Real Estate Mortgage
Cash Deposits
Guarantees or other collaterals acceptable to the bank
All insurable mortgaged assets must be insured throughout the term
of the loan
Program Partners: Please inquire with DBP Head Office and branches
for DBP-accredited Participating Financial Institutions (PFIs).
Contact Details:
The SLDP Project Team
Development Bank of the Philippines
3rd Floor DBP Bldg., Sen. Gil J. Puyat Ave., Makati City
Phone: (632) 893.3547/48
Fax: (632) 810.2652
or
DBP Regional Management Offices
Tuguegarao City (078) 844.1468
Dagupan City (075) 523.7835
San Fernando (045) 961.5834
Lucena City (042) 373.1917
Legazpi City (052) 820.2399
Cebu City (032) 254.9163
Tacloban City (053) 325.2960
Iloilo City (033) 337.6432
Bacolod City (034) 434.9177
Cagayan de Oro City (08822) 722.647
Butuan City (085) 341.5136
Davao City (082) 221.2620
Gen. Santos City (083) 552.2952
Zamboanga City (062) 991.1313
Quezon City (632) 920.4781
-40-
Program Title:
ENVIRONMENTAL INFRASTRUCTURE SUPPORT CREDIT
PROGRAM II (EISCP II)
Program Objective: To support investments in projects that contribute

to the improvement of the quality of the environment through reduction
or prevention of pollution.
Eligible Borrowers:
Filipino citizens or corporations with at least 70% Filipino capital
Government Owned and Controlled Corporations
Local Government Units for solid waste management / water supply
Eligible Projects:
Cleaner Production / Waste Minimization / Pollution Prevention;
Waste Recycling/ Waste Treatment or Disposal System;
Conservation of Natural Resources (e.g. energy, materials);
Occupational Health and Safety Improvements;
Wastewater Treatment Facilities;
Air Pollution Control Equipment;
Alternative Fuel Vehicles and Infrastructure;
Environmental Monitoring Instruments and Equipment;
Establishment of Environmental Management System (EMS) and
Certification under ISO 14001; and
Relocation of Pollutive Industry from Residential Area
Loan Purposes:
Acquisition and installation of equipment, and construction of
facilities;
Consulting services, training of staff and other incidental technical
assistance requirements;
Procurement of equipment and instruments for environmental
monitoring; and
Initial working capital for operation of pollution control facilities
procured and/or installed by the EISCP II Loan.
Terms/Requirements:
Amount: 80% of the total project cost incurred not more than 180
days prior to DBPs formal acceptance of the loan application.
Interest Rate: Fixed throughout the term of the loan.
-41-
Maturity / Repayment: Three to 15 years with a maximum of five years
grace period; Amortization payments shall be at least on a semi-annual
basis.
Program Partners: Please inquire with DBP Head Office for DBP-
accredited Participating Financial Institutions (PFIs).
Contact Details:
Wholesale Banking Sector
DBP Head Office, Sen. Gil J. Puyat Ave., Makati City
Phone: (632) 818.9511 locals 3511 & 3519
Environmental Management Unit

Phone: (632) 818.9511 locals 2515 & 2546
Phone/Fax: (632) 812.8088
or
DBP Regional Management Offices (please see page 42 for the list)
Program Title: KREDITANSTALT FUR WIEDERAUFBAU

INDUSTRIAL POLLUTION CONTROL LOAN
PROJECT (KfW-IPCLP)
Program Objective: To support investment in efficient production and

environmentally sound technologies and to promote environmental
protection and occupational health and safety.
Eligible Borrowers:
Existing SMEs with a minimum of one year in operation prior to
the approval of the loan and with at least 70% Filipino capital
Borrowers must be within the following priority sectors: metal
working, food production, leather tanning, fabricated metal, veneer
plywood, meat, fish, fruit and vegetable processing, chocolate,
cocoa, confectionery, furniture, carageenan and seaweed, shrimp
and prawns, piggery, slaughter houses
Eligible Projects:
Pollution reduction including improvement in the occupational safety
and/or reduction of raw material inputs for production to cover waste
minimization/ clean technology in industrial processes;
-42-
Installation of cost effective end-of-pipe treatment facilities & other
waste disposal options; and
Investment in equipment to monitor emissions or effluents & other
equipment to measure values for specific physical parameters /
pollutants in effluent changes.
Terms/Requirements:
Amount: P30.0 million or 80% of investment cost, whichever is lower
Interest Rate: Fixed throughout the term of the loan.
Maturity / Repayment: Ten years with two years grace period
Security: Real Estate and/or Chattel Mortgage or any other collateral

acceptable to the bank.
Contact Details:
Environmental Management Unit
Phone: (632) 818.9511 locals 2515 & 2546
Phone/Fax: (632) 812.8088
or
DBP Regional Management Offices (please see page 42 for the list)
Program Title: CREDIT LINE FOR SOLID WASTE MANAGEMENT

(CLSWM)
Program Objective: To provide financing and technical assistance to

local government units (LGUs) and private enterprises to carry out
investments in solid waste management.
Eligible Borrowers:
Private Enterprises with at least 70% Filipino owned
Eligible Projects:
Conversion of open dumpsites into controlled dumpsites
Conversion of dumpsites into sanitary landfills
Construction of sanitary landfills including acquisition of equipment
for waste disposal and treatment
Waste collection and transport including collection vehicles and other
equipment
-43-
Facilities for waste treatment and recycling
Consulting services for project preparation and implementation
Terms/Requirements:
Amounts:
For LGUs Maximum of 90% of total project cost.
For Private Enterprises Maximum of 80% of total project cost.
Equity Participation:
For LGUs Minimum of 10% of total project cost.
For Private Enterprises Minimum of 20% of total project cost.
Interest Rate: Prime, fixed rate based on prevailing market rate at the
time of the loan.
Maturity / Repayment: Maximum of 12 years with three years grace

period.
Security:
Real Estate Mortgage (except landfill site)
Chattel Mortgage
Loan Guarantee
Assignment of Insurance Cover
Assignment of Revenues from the Project
Assignment of a portion of Internal Revenue Allotment in favor of
DBP with hold-out agreement (for LGUs)
Contact Details:
Program Management I
5th Flr DBP Building
Makati Ave., cor. Sen. Gil Puyat Ave., Makati City
Phone: (632) 893.4444 (632) 819.1409
(632) 818.9511 to 19 local 2546
Fax: (632) 893.5380
Fund Sourcing
3rd Flr. DBP Building
Phone: (632) 815.0916 (632) 818.9511 local 2320
Fax: (632) 815.1611
Program Lending 3
4th Flr., DBP Building
Phone: (632) 815.0942 (632) 818.9511 to 19 local 3411
Fax: (632) 817.0509
-44-
Program Title: EDUCATION SECTOR CREDIT PROGRAM
Eligible Borrowers:
Schools with courses strongly linked to manufacturing (secondary
& collegiate levels);
Private technical education skills development (TESD) institutions
or schools with registered programs with the Technical Education
and Skills Development Authority (TESDA); and
Private educational institutions in secondary, collegiate/university
levels, which are duly licensed by the Department of Education.
Loan Purposes:
Staff development programs;
Construction and upgrade of school facilities such as classrooms,
laboratories, workshops and other work areas and academic
buildings;
Procurement of equipment, instructional materials, coursewares and
programs and books in priority areas;
Development and implementation of new programs;
Improvement and expansion of cooperation programs with the
private sector to enhance training and employment prospects of
graduates; and
Other education related quality improvement programs to be
considered on a case-to-case basis.
Terms/Requirements:
Amount: 80% of the total project cost.
Interest Rate: Prime Rate
Maturity / Repayment: Not later than Year 2014.
Security: Real Estate and/or Chattel Mortgage.
Contact Details:
Phone: (632) 892.1177 (632) 819.1308
(632) 813.5791 (632) 818.9511 local 2314
-45-
FOUNDATION FOR A SUSTAINABLE SOCIETY, INC. (FSSI)
Unit E, 46 Samar Avenue cor. Eugenio Lopez Street, South Triangle,
Quezon City
Program Title: COCONUT BUSINESS INTEGRATION AND

DEVELOPMENT PROGRAM (COCOBIND)
Program Objective: To develop and deliver financial and technical

services that will help consolidate the coco coir sub-sector and make coco
coir based enterprises more viable and globally competitive.
Eligible Borrowers: Entities that cater to marginalized sector or
communities, such as:
Organized Marginalized Groups
Development Organizations
Individual Private Social Entrepreneurs
Loan Purposes:
Term Loans for working capital requirements, acquisition of
productive assets, etc.
Credit Line.
Terms/Requirements:
Interest Rate:
day Tbill + 2%VAT.
payments.
Security:
Chattel Mortgage
Deed of Assignment
Joint and Several Signatures (JSS)
-46-
Contact Details:
Mr. Ariel Nones
Phone/Fax: (632) 928.8671
www.fssi.com.ph
Program Title: SOLID WASTE ECO-ENTERPRISE PROGRAM

(SWEEP)
Program Objective: To actively promote viable technologies and models

on Solid Waste Management (SWM) by providing financial and technical
services to support various initiatives related to model building and
replication.
Loan Purposes:
Credit Line.
Terms/Requirements:
Interest Rate:
day Tbill + 2%VAT.
payments.
Security:
Chattel Mortgage
Deed of Assignment
JSS
-47-
Contact Details:
Mr. Reynante Maruquez
Phone/Fax: (632) 928.8671
www.fssi.com.ph
Program Title: SUSTAINABLE PARTNERSHIP FOR ECO-

ENTERPRISE DEVELOPMENT (SPEED)
Program Objectives: To serve as a breeding ground for emerging

enterprises promoting eco-enterprise principles, which can further be
developed into sub-sector level interventions.
Loan Purposes:
Credit Line.
Terms/Requirements:
Interest Rate:
day Tbill + 2%VAT.
payments.
Security:
Chattel Mortgage
Deed of Assignment
JSS
-48-
Contact Details:
Ms. Eliz Tugade
Phone/Fax: (632) 928.8671
www.fssi.com.ph
Program Title: FUND FOR SUSTAINABLE CIVIL SOCIETY

START-UP ECO-ENTERPRISE DEVELOPMENT
PROGRAM (FSCS-SEED)
Program Objectives: To generate and mobilize funding resources:

Towards enabling civil society organizations and institutions to
engage in sustainable livelihood and social eco-enterprise
development projects or activities with the active participation, and
for the benefit of the poor and marginalized sectors and people in
rural and urban communities; and
To support and consolidate the infrastructure of civil society
organizations (sectoral or multi-sectoral) based on solidarity, and
would lead to planned actions that could influence policies or larger
events focused on asset reform, development financing and
environmental concern.
Eligible Borrowers: Philippine-based and managed Non-Government

Organizations (NGOs), Peoples Organizations (POs), and/or
Cooperatives.
Terms/Requirements:
Amount:
Sustainable Livelihood/Social Eco-Enterprise Project Maximum
of P1.5 Million.
Research (market, technology or enterprise project development)
Maximum of P500,000.00.
Advocacy/Promotion Campaign Maximum of P100,000.00.
Interest Rate: n.a.

Maturity / Repayment: n.a.
Security: n.a.
Contact Details:
Mr. Arlen Barrameda
Phone/Fax: (632) 928.8671
www.fssi.com.ph
-49-
GOVERNMENT SERVICE INSURANCE SYSTEM (GSIS)
GSIS Building, Financial Center, Roxas Boulevard, Pasay City
Program Title: GSIS SPECIAL FINANCING PROGRAM
Program Objectives:
To address the unavailability of credit facilities to the business sector
through wholesale lending to Land Bank of the Philippines.
To stimulate business activity by providing term loans to small and
medium enterprises.
Eligible Borrowers:
Start-up project/s new business/es.
Existing business/es with assets of not more than P200.0 Million.
Priority is given to export-oriented firms.
Loan Purposes:
Working capital.
Construction of building.
Acquisition of equipment and machinery.
Terms/Requirements:
Amount: Maximum of P50.0 Million.
Interest Rate: To be determined by the conduit bank.
Maturity / Repayment: Maximum of seven years, inclusive of two years

grace period on principal repayment.
Security: Any collateral acceptable to the conduit bank.
Contact Details:
Ms. Maria Lourdes M. Caballes
Phone: (632) 891.6161 local 4323
Fax: (632) 551.1289
-50-
LAND BANK OF THE PHILIPPINES (LBP)
1598 M.H. Del Pilar corner Dr. J. Quintos Streets, Malate, Manila
Program Title: EASY PONDONG PANG-ASENSO (EPPA)
Program Objective: To To provide

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Eligible Borrowers/Projects: Sole Proprietorships, Partnerships
(100% Filipino-owned), and Corporations (at least 60% Filipino-owned)
which meet the following criteria:
Engaged in Manufacturing, Agribusiness and Processing, and
Services including Trading & Merchandising
With minimum asset size of P3.0 Million and maximum of P100.0
Million (excluding the value of the lot where property/business is
built).
Loan Purposes: Working Capital and Fixed Asset Acquisition except

lot.
Terms/Requirements:
Amount: Up to 80% of the total project cost; borrower has to put up
the remaining 20% as equity, either in cash or in kind.
Interest Rate: Based on prevailing market rate.
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-51-
Contact Details:
Phone: (632) 522.0000 (632) 551.2200
locals 2650, 2589, 7427, 2783, or 2384
Fax: (632) 528.8542/43
Program Title: SPECIAL FINANCING ASSISTANCE TO SMALL

AND MEDIUM EXPORTERS (SFA-SMEx)
Program Objective: To provide adequate funds for the financing

requirements of small and medium exporters endorsed by PhilExport and
Foreign Buyers Association of the Philippines (FOBAP).
Eligible Borrowers: Small and Medium Exporters which meet the
following criteria:
Either sole proprietorships, Partnerships (100% Filipino-owned),
and Corporations (at least 60% Filipino-owned)
With a minimum asset size of P3.0 Million and maximum of P100.0
Million excluding the value of the lot where property/business is
built.
Engaged in trading business.
Loan Purpose: Working Capital.

Terms/Requirements:
Amount: Minimum of P500,000.00 and Maximum of P3.0 Million (may
be increased to P5.0 Million on a case-to-case basis)
Interest Rate: Based on prevailing market rate.
Maturity / Repayment: Maximum of 180 days but not to exceed the

latest expiry date or the latest shipment date of the Letter of Credit
(LC) or Purchase Order (PO), whichever is earlier.
Security:
Notarized assignment of proceeds of irrevocable/transferable LC
and confirmed PO.
Only LCs and confirmed POs cleared by FOBAP shall be accepted;
Execution of JSS by the President and Treasurer of the Corporation.
Postdated Checks (PDCs) to be issued by the borrower/exporter.
-52-
Program Partner: Foreign Buyers Association of the Philippines
(FOBAP).
Contact Details:
Phone: (632) 522.0000 (632) 551.2200
locals 2650, 2589, 7427, 2783, or 2384
Fax: (632) 528.8542/43
Program Title: SME UNIFIED LENDING OPPORTUNITIES FOR

NATIONAL GROWTH (SULONG)
Program Objectives:
To simplify and standardize the lending procedures of Government
Financial Institutions (GFIs) thereby enhancing the SMEs access to
needed funds.
To shorten the list of documentary requirements to further facilitate
the lending process.
To create a wider, borderless financing system that will afford the
SMEs greater access to short- and long- term funds.
To lower the effective cost of borrowing by SMEs and liberalize the
requirements.
Eligible Borrowers:
Enterprises in all industries except trading of imported goods, liquor,
cigarettes, and extractive industries;
Profitable enterprises with track record;
Enterprises that are at least 60% Filipino owned; and
With assets of not more than P100 Million, excluding the value of
the land.
Loan Purposes:
Short Term Loan For export financing, or temporary working
capital.
Long Term Loan For permanent working capital, purchase of
equipment and construction of building or warehouse.
Terms/Requirements:
Amount:
Short Term Loan Up to 70% of the value of the LC/PO (export
packing), or 70% of working capital requirement (temporary
working capital); maximum P5.0 M
-53-
Long Term Loan Up to 80% of the incremental project cost;
maximum of P5.0 M
Interest Rates: Rates are subject to change every quarter.

Short Term Loan 9.00%
Long Term Loan with term up to three years 11.25%
Long Term Loan with term of over three to five years 12.75%
Short Term Loan Maximum of one year.
Long Term Loan Maximum of five years, inclusive of a maximum
one year grace period on principal monthly amortization.
Security: LANDBANK does not decline a loan on the basis of

inadequate collateral. However, the borrower must be willing to
mortgage any available business and personal collateral, including assets
to be acquired from the loan, to secure the borrowing. The following
are acceptable collaterals:
Registered/unregistered REM/CHM; or
Assignment of the LC or PO (if applicable)
Assignment of life insurance
Assignment of lease right (if franchisee)
Program Partners: Development Bank of the Philippines (DBP), National

Livelihood Support Fund (NLSF), Philippine Export-Import Credit Agency
(PhilEXIM), Quedan Corporation (Quedancor), Social Security System
(SSS), and Small Business Corporation (SB Corporation).
Contact Details:
Phone: (632) 522.0000 (632) 551.2200
locals 2650, 2589, 7427, 2783, or 2384
Fax: (632) 528.8542/43
Program Title: ACCELERATING CHANGE IN THE COUNTRY-

SIDE THRU EQUITY SHARING STRATEGY
(ACCESS)
Program Objective: To catalyze countryside development by promoting

livelihood and rural employment, and by priming up local agri-related and
off-farm economic projects to raise productivity and income in priority
areas of the country.
-54-
Program Components:
Equity Investment
Provision of Professional Management Team
Technology Transfer and Marketing Assistance
Equity Divestment
Eligible Partners:
Cooperatives/Federations;
Farmers and Fisherfolk;
Non-Government Organizations (NGOs);
Private Entrepreneurs;
Other interested investors.
Partners should have no adverse CI/BI reports.
Eligibility Requirements:
Agri-related and off-farm economic projects;
Located outside National Capital Region (NCR) and Metro Cebu;
however, projects located inside the mentioned areas may be
considered if raw materials are sourced from outside the said places.
IRR of at least 12%
At least four stockholders (including Landbank)
Equity Investment Features:

Amount: Minimum of P1.0 Million; LBP Equity investment shall neither
exceed P20.0 Million nor 35% of the total subscribed capital stock or
35% of total voting stock in a single enterprise, whichever is lower;
provided that the total government equity shall not exceed 49% and
foreign equity shall not exceed 40%. Investment shall be in Preferred
Shares with voting power.
Dividend Rate: Entitled to cumulative dividends (including undeclared/

unpaid dividends for the prior year/s), Dividend Rate based on 91-day
T-Bill rate computed at the end of the calendar year
Divestment:
Shall be sold or redeemed at par value within a period of 15 years
based on a schedule formulated by the Board of Directors considering
the cash flow of the project.
The corporation shall establish a sinking fund to ensure the
redemption of Landbank shares.
-55-
Contact Details:
Phone: (632) 522.0000 (632) 551.2200 locals 2307 or 2376
Fax: (632) 528.8542
Program Title: RETAIL COUNTRYSIDE FUND (RCF I AND II)

PROGRAMS
Program Objective: A credit facility from World Bank made available in

Pesos or US Dollars to private investment enterprises whose viable
operations benefit the countryside. Proceeds of the loan fund will be directly
relent to qualified sub-borrowers of LANDBANK through its commercial
banking lending units (LUs).
Eligible Sub-Borrowers:
Sole Proprietorship
Partnership
Corporation (at least 70% Filipino-owned)
Cooperative/Association
Eligible Projects:
RCF I Medium and long term needs of new or expansion sub-
projects located outside the National Capital Region (NCR) and
Cebu City.
RCF II Short, Medium, and long term needs of new or expansion
sub-projects and existing sub-projects located outside the NCR and
Cebu City:
Agriculture and Agri-related activities;
Food or agro-processing ventures;
Manufacturing activity;
Service-oriented projects that support economic activity;
Environmental protection-related projects;
Tourism-related projects;
Product distribution (trading); and
Property development project (socialized & low cost housing
projects; commercial building for lease not more than 3-storey
high and lot area of not more than 1,000sqm.)
Projects located in NCR and Cebu City are eligible provided it is
engaged in agriculture and agri-related activities.
-56-
Loan Purposes:
RCF I
Working capital (initial and/or incremental); and
Fixed asset investment (excluding acquisition of land).
RCF II
Working capital (initial and/or incremental);
Fixed asset investment (excluding acquisition of land);
Special financing package which covers any or a combination of
the following:
Extension of maturity period of existing loan.
Extension of grace period of existing loan.
Conversion of existing Dollar loan to Peso loan.
The fund may reimburse expenditures made within 120 days prior
to date of receipt of loan application.
Terms/Requirements:
Amounts:
RCF I
Sub-loan size for Peso Loan Minimum of P100,000.00;
Maximum of P10.0 Million.
RCF II
Sub-loan size for Peso Loan
Minimum of P25,000.00.
Maximum of P100.0 Million (for priority-sector projects).
Maximum of P50.0 Million (for other sectors).
Sub-loan size for Dollar Loan
Minimum of US$25,000.00
Maximum of P50.0 Million or US$ equivalent.
Interest Rates:
Floating/Variable rate.
Fixed rate (prevailing variable rate plus a premium based on the
remaining term of the loan).
RCF I
Medium Term (over one year) Maximum of five years.
Long Term (over five years) Maximum of 15 years (not beyond
Sept. 15, 2015).
RCF II
Short Term Maximum of one year.
Medium Term (over one year) Maximum of five years.
Long Term (over five years) Maximum of 15 years (not beyond
Dec. 15, 2018)
-57-
Security: Tangible Collaterals or acceptable guarantees consistent with
current banking practices, pertinent laws and BSP regulations. All
collaterals shall be insured against loss and destruction caused by fire
or other calamities during the term of the loan with the Landbank as
the beneficiary.
Contact Details:
Special Programs Management Department (SPMD)
Phone: (632) 405.7339 (632) 551.2200
locals 2448, 7640, or 7339
Fax: (632) 528.8523
Program Title: COUNTRYSIDE LOAN FUND PROGRAMS (CLF I,

II, and III)
Program Objectives: A wholesale credit facility from World Bank made

available to Participating Financial Institutions (PFIs) for on-lending to
eligible private investment enterprises:
To provide financial support to the rural economies to emerge
stronger from the financial crisis and resume sustained rapid
economic growth in the near term;
To support the government in its effort to alleviate rural poverty by
accelerating private investments in the countryside to boost
productivity, generate employment, and raise income;
To provide further assistance through additional short, medium, and
long term financial resources for viable investments in the rural areas;
and
To generate foreign exchange awareness or savings to improve the
countrys balance of payment position.
Eligible PFIs:
Commercial Banks/Unibanks.
Rural Banks.
Thrift Banks.
Non-bank financial institutions.
Eligible Sub-Borrowers:
Sole Proprietorships
Partnerships
Corporations (at least 70% Filipino-owned)
Cooperatives/Associations
-58-
Eligible Projects:
Agriculture and agri-related productive activity;
Food and agro-processing venture;
Manufacturing activity that generates employment/export;
Product distribution activity/Trading;
Service-oriented project that supports economic activity;
Environmental protection project;
Tourism-related project; and
Property development project:
CLF I & II Industrial Estate Development.
CLF I, II, & III Socialized and Low Cost Housing Projects,
Commercial Building for lease that is not more than 3-storey
high and lot area of not more than 1,000 sqm.
Note: Projects for funding under the CLF Programs must comply with all
the laws and regulations of the Philippines related to environmental
protection.
Eligible Sub-Project Location:
CLF I & II Nationwide; sub-projects located in NCR should be
engaged in agriculture and agri-related activities.
CLF III Nationwide; sub-projects located in Cebu City and NCR
should be engaged in agriculture and agri-related activities.
Loan Purposes:
Working Capital initial or incremental;
Fixed Asset Investment construction, expansion, or rehabilitation
of productive facilities excluding land purchase; and
Special Financing Package any or combination of the following:
Extension of maturity or grace period of existing loan, conversion
of existing dollar loan to peso loan.
Cost overruns due to price escalation/peso depreciation.
Terms/Requirements:
Amounts:
CLF I & II (Peso) Maximum of P300.0 Million (subject to fund
availability).
CLF III (Peso & US Dollar)
Maximum of P100.0 Million (SME, Non-SMEs provided engaged
in agriculture, agri-related business, and environmental protection
activities).
Maximum of P50.0 Million (all other eligible sub-projects).
-59-
Interest Rates:
LANDBANK to PFIs
Variable Rate Based on Weighted Average Interest Rate of 91-day
Treasury Bills or floor price, whichever is higher.
Fixed Rate prevailing variable rate plus a premium based on the
remaining term of loan (over 1 year to 5 years 1%; over 5 years
2%)
PFI to Sub-borrower As negotiated between PFI and the sub-
borrower
CLF I CLF II CLF III
Short Term Up to one year Not available Up to one year.
Medium Term Up to five years. Up to five years. Up to five years.
Long Term Up to year 2011 Up to year 2015 Up to year 2018
Monthly or Quarterly payments.
Security: Loans shall generally be secured by tangible collaterals (i.e.,

Real Estate/Chattel Mortgage, Mortgage Trust Indenture, Hold-out on
deposits, etc.) or acceptable guarantees consistent with current banking
practices, pertinent laws and BSP regulations.
Contact Details:
Wholesale Lending Department
Phone: (632) 405.7338/7239 (632) 551.2200
locals 2468, 7338, 2797, 7239, or 2707
Fax: (632) 528.8523
-60-
NATIONAL LIVELIHOOD SUPPORT FUND (NLSF)
4th Floor, Hanston Building, Emerald Avenue
Ortigas Center, Pasig City 1600
Phone: (632) 631.2955/57/44/47 (632) 914.7290 to 97
Fax: (632) 631.2953/54
Program Title: ISANG BAYAN, ISANG PRODUKTO, ISANG

MILYONG PISO (1M1)
Program Objective: To stimulate local economic activity by providing

financing of P1.0 Million to cover one product/ service cluster identified
for one town. The Local Government Unit (LGU) will borrow directly
from NLSF to engage in a business enterprise.
Eligible Borrowers:
SME project must be in the following investment areas:
manufacturing, processing, services (except trading of imported
goods, liquor and cigarettes), agribusiness (except farm-level
agricultural/crop production), and not into extractive industries or
housing projects;
Must have generated positive income for the immediate past year, if
past years income is negative, the average income of the past two
or three years should be positive;
Must have firm and reliable market;
Must use proven managerial capability and technology;
Debt-to-equity ratio of at most 80:20 before the loan and 70:30 for
franchisees;
Project shall cover a product or service identified for one municipality
or city and the business must be located within the recipient
municipality; and
Must not be a recipient of any financial assistance from same program
(1M1) from the other fund sources.
Loan Purposes:
Medium-Term Loan export financing and for temporary working
capital.
Long-Term Loan purchase of equipment/machinery for new
equipment.
-61-
Terms/Requirements:
Amounts:
Medium-Term Loan Maximum of 70% of working capital
requirement but not to exceed P1.0 Million.
Long-Term Loan Maximum 80% of incremental project cost but
not to exceed P1.0 Million.
Interest Rates:
Direct Lending Maximum of 10%
Lending by Conduits Maximum of 5% gross spread on pass-on
rate per annum (all inclusive) to end borrowers.
Medium-term Maximum of one year
Long-term Maximum of five years inclusive of one year grace
period on principal payments.
Security:
Project assets to be acquired out of the loan proceeds
Real Estate/ Chattel Mortgage
Assignment of Receivables
Assignment of applicable portion of the IRA
Other acceptable securities to NLSF
-62-
PHILIPPINE BUSINESS FOR SOCIAL PROGRESS (PBSP)
Philippine Social Development Center
Magallanes corner Real Streets, Intramuros, Manila
Program Title: SMALL AND MEDIUM ENTERPRISE CREDIT

PROGRAM (SMEC)
Program Objectives:
To provide loans to SMEs through Intermediary Financial
Institutions (IFIs) such as Thrift Banks and Rural Banks as conduit
for lending.
To provide business support to IFIs and enhance their lending
capabilities to improve SMEs productivity and competitiveness.
Eligible Borrowers: Micro, small and medium enterprises who meet the
following qualifications:
citizen or permanent legal resident of the Philippines;
corporation, partnership or business organization which is more than
50% owned by Philippine national;
have principal place of business in the Philippines, outside the
National Capital Region;
have a 100% privately-owned business with total assets of not more
than P100 Million at the time the loan is granted; and
engaged in manufacturing or agri-business such as: light industrial
manufacturing, light handicraft, woodworking, metal working,
services (with social impact), agri-processing or manufacturing, agri-
trading, and non-traditional agriculture production which is
pioneering in nature.
Loan Purposes: To finance investments of new and expansion of existing

businesses for:
acquisition of fixed assets such as land, buildings, machineries and
equipment;
related services such as machinery and equipment installation; and
As working capital.
-63-
Loan Amount, Interest, Repayment Terms and Security:
Subject to discussion/negotiation by the Borrower with the IFI.
Contact Details:
The Associate Director
Phone: (632) 527.7741 to 51
Phone/Fax: (632) 527.3751
Emails: [email protected]
[email protected]
www.pbsp.org.ph
-64-
PHILIPPINE EXPORT-IMPORT CREDIT AGENCY (PHILEXIM)
4th Flr. Citibank Tower, Citibank Plaza, Valero Street, Makati City
Contact Details: Ms. Joanne P. Manabat

Ms. Ma. Sylvia V. Encomienda
Vice Presidents Marketing I
Phone: (632) 848.1900
Fax: (632) 893.4474
DIRECT LENDING PROGRAMS (DLP)
Program Title: SPECIAL CREDIT FACILITY FOR EXPORT

DEVELOPMENT (SCFED)
Program Objective: To extend short-term loans to small scale exporters

to fund their preshipment and postshipment export financing requirements.
Eligible Borrowers:
Direct Exporter Successful export performance in the immediately
preceding 12 months in a particular product area to be financed
with a minimum export volume of US$50,000.00 within said period;
and at least 50% of revenues in the immediately preceding 12 months
is derived from export sales of its products or services;
Indirect Exporter Indirectly exporting in the immediately preceding
24 months in the particular area to be financed, and profitable
operations in the immediately preceding 24 months.
No substantial derogatory record on firm, its principals and officers;
Satisfactory credit performance;
Minimum networth of P500,000.00; and
Maximum debt-equity ratio of 4:1 after financing.
Types of Credit Accommodation:

Transactional Loan case-to-case preshipment working capital or
postshipment loans.
Revolving Line a credit line that may be availed of as transactional
loan within 12 months.
Terms/Requirements:
Loan Limit:
Preshipment Working Capital Loan Actual production needs but
not to exceed 80% of the value of the Letter of Credit (LC)/
-65-
Confirmed Purchase Order (CPO)/ Confirmed Sales Contract (CSC)
or P1.5 Million, whichever is lower.
Postshipment Loan Maximum amount shall be the outstanding
value of the corresponding preshipment working capital loan. In
cases where the export/domestic bill and/or receivable have no
corresponding preshipment loan, maximum amount shall not exceed
80% of the value of the export/domestic bill/receivable or P1.5
Million, whichever is lower; aggregate loan limit at any given time
for both pre and postshipment financing shall be P1.5 Million.
Interest Rate: PhilEXIM lending rate at the time of loan availment.
Preshipment Working Capital Loan Maximum of 180 days, the
Promissory Note maturity shall be co-terminus with the expiry date
of the relative export/domestic LC(s) or the delivery date of the
CPO(s)/CSC(s). A 15-day allowance may be granted to cover transit
time for receipt of proceeds.
Postshipment Loan Maximum of 40 days from purchase of export
bill or expiry of issuance period or maturity date of underlying export
receivable.
Security:
Real Estate/Chattel Mortgage.
Suretyhip Agreement of principals or major stockholders of the
corporation.
Deed of Assignment on the inventory of raw materials, goods in
process and finished goods financed by the loan as well as inventory
not previously assigned to a third party.
Deed of Assignment on the proceeds of domestic/export LC, CPO,
CSC, export bill, and/or domestic/export receivables from a credit-
worthy buyer.
Export Credit Insurance (ECI).
Endorsement in favor of PhilEXIM of All Risk marine and non-
life insurance coverage.
Postdated Checks; and other acceptable collaterals.
Program Title: SHORT TERM DIRECT LENDING PROGRAM (ST-

DLP)
Program Objective: To extend short-term loans to small and medium-

sized exporters to fund their preshipment and postshipment export financing
requirements.
-66-
Eligible Borrowers:
Direct Exporter Successful export performance in the immediately
preceding 12 months in a particular product area to be financed
with a minimum export volume of US$50,000.00 within said period;
At least 50% of revenues in the immediately preceding 12 months is
derived from export sales of its products or services.
Indirect Exporter Indirectly exporting in the immediately preceding
24 months in the particular area to be financed, and profitable
operations in the immediately preceding 24 months.
No substantial derogatory record on firm, its principals and officers;
Satisfactory credit performance;
Types of Credit Accommodation:

Transactional Loan case-to-case preshipment working capital or
postshipment loans.
Revolving Line a credit line that may be availed of as transactional
loan within 12 months.
Terms/Requirements:
Amounts:
Preshipment Working Capital Loan Actual production needs but
not to exceed 80% of the value of the Letter of Credit (LC)/
Confirmed Purchase Order (CPO)/ Confirmed Sales Contract (CSC)
or P20.0 Million, whichever is lower.
Postshipment Loan Maximum amount shall be the outstanding
value of the corresponding preshipment working capital loan. In
cases where the export/domestic bill and/or receivable have no
corresponding preshipment loan, maximum amount shall not exceed
80% of the value of the export/domestic bill/receivable or P20.0
Million, whichever is lower; aggregate loan limit at any given time
for both pre and postshipment financing shall be P20.0 Million.
Interest Rate: PhilEXIM lending rate at the time of loan availment.
Preshipment Working Capital Loan Maximum of 180 days, the
Promissory Note maturity shall be co-terminus with the expiry date
of the relative export/domestic LC(s) or the delivery date of the
CPO(s)/CSC(s). A 15-day allowance may be granted to cover transit
time for receipt of proceeds.
-67-
Postshipment Loan Maximum of 40 days from purchase of export
bill or expiry of issuance period or maturity date of underlying export
receivable.
Security:
Suretyhip Agreement of principals or major stockholders of the
corporation.
Deed of Assignment on the inventory of raw materials, goods in
process and finished goods financed by the loan as well as inventory
not previously assigned to a third party.
Deed of Assignment on the proceeds of domestic/export LC, CPO,
CSC, export bill, and/or domestic/export receivables from a credit-
worthy buyer;
Export Credit Insurance (ECI);
Endorsement in favor of PhilEXIM of All Risk marine and non-
life insurance coverage;
Postdated Checks, and other acceptable collaterals.
Program Title: MEDIUM AND LONG TERM DIRECT LENDING

PROGRAM (MLT-DLP)
Program Objective: To extend medium and long term loans to small and
medium-sized exporters to finance their asset acquisition, expansion,
modernization of production techniques and improvement of production
capacity.
Eligible Borrowers:
SMEs engaged in processing, production, manufacturing, marketing
or trading of products or rendering services directly or indirectly
for export;
Directly or indirectly exporting the product which is the subject of
financing for at least two years;
Satisfactory credit performance based on bank checkings and no
substantial derogatory record;
Loan Purposes:
Purchase of machinery and equipment.
Acquisition or construction of plant and building.
Permanent working capital.
Acquisition of land to be used as project site.
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Terms/Requirements:
Amount: Actual needs but in no case more than P40.0 Million. However,
not more than 50% of the loan maybe used in the acquisition of land to
be used as project site.
Interest Rate: Fixed or Floating.
Medium Term Loan More than one year up to five years depending
on the purpose of the loan.
Long Term Loan More than five years up to ten years depending
on the purpose of the loan.
Security: Lien on project assets to be acquired:

Assignment of Marketable Securities or instruments acceptable to
PhilEXIM.
Suretyship Agreement of principals or major stockholders or the
corporation.
Assignment of Export Proceeds.
Export Credit Insurance (ECI).
Postdated Check/s, and other acceptable collaterals.
Program Title: SME UNITED LENDING OPPORTUNITIES FOR

Program Objective: The program is a financing strategy collaborated by

PhilEXIM and other government financial institutions (GFIs) to provide
SMEs access to financing under a uniform lending structure.
Eligible Borrowers:
Small and medium exporters in all industries except trading of
imported goods, liquor, cigarettes, and extractive industries;
At least 60% Filipino-owned, whose assets are not more than P100.0
Million, excluding the value of the land or subject to ownership
rules as defined under existing Philippine laws for specific industries;
Positive income for the previous year (if previous years income is
negative, the average income of past two or three years should be
positive).
No substantial derogatory record on the firm, its principals and
officers; and
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Loan Purposes:
Short-Term Loan
Transactional Loan case-to-case availments shall be against
export/domestic Letters of Credit, Confirmed Purchase Orders
or Confirmed Sales Contracts.
Revolving Line a credit line that may be availed of as in
transactional loan within 12 months
Long-Term Loan Purchase of Equipment, Building Construction,
Purchase of Lot, Permanent Working Capital (Purchase of
Inventories).
Terms/Requirements:
Loan Limits:
Short-Term Loan Actual production needs but not to exceed 70%
of the value of the Letter of Credit (LC)/ Confirmed Purchase Order
(CPO)/ Confirmed Sales Contract (CSC) or P5.0 Million, whichever
is lower.
Long-Term Loan 80% of the incremental project cost; maximum
of P5.0 Million.
Interest Rates:
Short-Term Loan SULONG lending rate at the time of availment.
Long-Term Loan 3-year T-Bond rate + 2% for 3-year loan; and
5-year T-Bond rate + 2% for 5-year loan
Short-Term Loan Maximum tenor of 180 days, the promissory
note maturity shall be co-terminus with the expiry date of the relative
export/domestic LC(s) or the delivery date of the CPO(s)/CSC(s).
A 15-day allowance may be granted to cover transit time for receipt
of proceeds.
Long-Term Loan Maximum of five years, inclusive of one year
maximum grace period on principal amortization.
Security:
Postdated Checks.
Deed of Assignment on inventory of raw materials, goods in process
and finished goods financed by the loan as well as inventory not
previously assigned to a third party.
Deed of Assignment on proceeds of domestic/export LC, CPO, CSC
from creditworthy buyer.
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Assignment of Life Insurance proceeds.
Suretyship Agreement of principals or major stockholders of the
corporation.
Other acceptable collaterals.
GUARANTEE PROGRAMS
Program Title: PRESHIPMENT EXPORT FINANCE GUARANTEE

(PEFG)
Program Objective: To assist small and medium-sized export enterprises,

particularly those who are collateral short, in obtaining or expanding their
preshipment export working capital financing through a guarantee cover,
namely: Export Trade Finance Guarantee (ETFG) for Transactional Loan
and Revolving Export Loan Guarantee (RELG) for revolving line.
Guarantee Cover: Ninety percent (90%) of the principal plus interest.
Eligible Borrowers:
Direct and Indirect Exporters;
Must not have any derogatory record;
Maximum debt to equity ratio of not more than 5:1 after financing;
Minimum networth of P250,000.00 for ETFG; and
Minimum networth of P500,000.00 for RELG.
Loan Purpose: For purchase of imported or domestic inputs to
manufacture an export product and related manufacturing expenses
including direct labor cost.
Terms/Requirements:
Amount:
Export Trade Finance Guarantee (ETFG)-Transactional Loan
Minimum of P150,000.00 and a Maximum of P9.0 Million.
Revolving Export Loan Guarantee (RELG)
Minimum of P150,000.00 and a Maximum of P20.0 million.
Interest Rate: Determined by the bank, usually at market rate.
Maturity / Repayment: Maximum tenor of 180 days, the promissory

note maturity shall be co-terminus with the expiry date of the relative
export/domestic Letters of Credit or the delivery date of the Confirmed
Purchase Orders/Confirmed Sales Contracts. A 15-day allowance may
be granted to cover transit time for receipt of proceeds.
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Security:
Direct Exporter ETFG/RELG
Assignment of inventory of raw materials, goods in process and
finished goods financed by the credit accommodation or loan as
well as inventory not previously assigned to a third party, and
proceeds of the irrevocable export Letter of Credit;
Continuing Suretyship of the spouse of the single proprietor,
partners in partnership, principals or stockholders of a
corporation, and accommodation surety, if required, for as long
as the loan or credit accommodation is outstanding;
Trust Receipt, if applicable;
Insurance Coverage on goods purchase under an LC/TR facility
duly endorsed in favor of the lender; and
Other collateral or security required by the lender in respect of
the guaranteed account.
Direct Exporter Additional collateral for RELG borrowers

Assignment of proceeds of the CPO of CSC, signed by an
accredited buyer under a Deed of Assignment;
Export Credit Insurance (ECI) in cases where the mode of
payment of the corresponding shipment is under a Document
Against Acceptance (DA) or Open Account Arrangement (OA);
All Risk marine insurance coverage duly endorsed in favor of
the Lender on shipments made under documents against payment,
document against acceptance and open account arrangement
payment terms.
Indirect Exporter ETFG/RELG
Assignment of inventory of raw materials, goods in process and
finished goods financed by the credit accommodation or loan as
well as inventory not previously assigned to a third party;
Continuing Suretyship of the spouse of the single proprietor,
partners in partnership, principals or stockholders of a
corporation, and accommodation surety, if required;
Assignment of proceeds of the domestic LC, CPO or CSC; and
Other collateral or security required by the lender in respect of
guaranteed account.
Program Partners: Allied Banking Corporation, Asia Trust and

Development Bank, Banco De Oro Universal Bank, Bank of the Philippine
Islands, China Banking Corporation, Equitable PCI Bank, Export and
Industry Bank, Land Bank of the Philippines, Philippine Bank of
Communications, Planters Development Bank, Rizal Commercial Banking
Corporation, Union Bank of the Philippines, Bank of Commerce, Philippine
National Bank, and United Coconut Planters Bank.
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Program Title: POSTSHIPMENT EXPORT RISK GUARANTEE
(PERG)
Program Objective: To provide small and medium-sized exporters with

a complementary postshipment finance facility through a guarantee cover
that will encourage banks to purchase export bills, refinance outstanding
preshipment export loans as well as extend any form of receivable financing
to such exporters pending actual remittance of payment by overseas buyers.
Guarantee Cover: Ninety percent (90%) of the principal plus interest.
Eligible Borrowers: Direct exporters with no derogatory records.
Loan Purposes:
For purchase of export bills/drafts;
Settlement of outstanding availments against a pre-shipment export
credit facility while awaiting proceeds of the export receivable; and
Post-shipment financing to cover the usance period or credit
extended to the buyer.
Terms/Requirements:
Amount: Maximum amount shall be up to the outstanding value of a
corresponding preshipment export obligation under PEFG coverage or
100% of the value of the export bill and/or export receivable if the
obligor is exclusively enrolled under the PERG facility. The aggregate
amount to be availed of by an obligor under both PEFG and PERG
programs shall not exceed, at any given time, P9.0 million under ETFG
and P20.0 million under RELG.
Interest Rate: Determined by the bank, usually at market rate.
ETFG Co-terminus with the expected collection date of the
proceeds of the Irrevocable Export Letter of Credit (IELC), but
not to exceed 40 days from purchase of export bill for sight LCs or
expiry of usance period for usance LCs.
RELG Up to twelve (12) months Revolving Export Bill/Receivable
Financing Line with each purchase/disbursement co-terminus with
the expected collection date of the proceeds of the IELC,
documentary collection or export receivable but not to exceed 40
days from purchase of export bill in the case of Sight LCs and
documents against payment or from the expiry of the usance period
in case of usance LCs and the maturity date indicated in the
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underlying receivable document in case of documents against
acceptance and open account arrangement payment terms.
Security:
Assignment of the following: (a) Proceeds of irrevocable export
letter of credit/export bill; or (b) Proceeds of a documentary
collection (D/A, D/P terms) or an export receivable (shipment made
under OA arrangement terms) from a creditworthy buyer, with the
Deed of Assignment specifying on its face that the proceeds are to
be paid into a named/described account, and from which the Export
Bill (EB)/loan may be paid;
Continuing Suretyship of the spouse of the single proprietor, partners
in a partnership, principals or stockholders of a corporation, and
accommodation surety, if required, (if married, the obligors spouse
should conform to the suretyship);
Letter of Agreement/Guarantee/ Undertaking or any equivalent
document executed by the obligor in favor of the Lender to repay
the EB/loan in the event no collection is received from the foreign
buyer. If obligor is married, his spouse should conform to the
obligation;
Export Credit Insurance (ECI) coverage by PhilEXIM;
All Risk marine insurance coverage duly endorsed in favor of the
Lender on export shipments made under D/P, D/A and O/A payment
terms; and
Postdated check in case of export receivable under an open account
arrangement.
Program Partners: Allied Banking Corporation, Asia Trust and Development

Bank, Banco De Oro Universal Bank, Bank of the Philippine Islands, China
Banking Corporation, Equitable PCI Bank, Export and Industry Bank, Land
Bank of the Philippines, Philippine Bank of Communications, Planters
Development Bank, Rizal Commercial Banking Corporation, Union Bank of
the Philippines, Bank of Commerce, Philippine National Bank, and United
Coconut Planters Bank.
Program Title: TERM LOAN GUARANTEE PROGRAM (TLGP)
Program Objective: To assist small and medium-sized export enterprises

in increasing their productive capacity and gain a stronger foothold in the
international market through access to a guarantee program for the purpose
of upgrading their plant facilities.
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Guarantee Cover: Eighty-five Percent (85%) of the principal plus interest.
Eligible Borrowers:
Any exporter, whether a single proprietorship, a partnership or
corporation with at least 51% of subscribed capital owned by
Filipinos, engaged in processing, production, manufacturing, and
marketing or trading of products or rendering of services, directly
or indirectly for export, provided it has been exporting for at least
one year in the particular product area;
Profitable operations in the immediately preceding year;
No derogatory record;
Maximum debt to equity ratio of 3:1 after financing; and
Minimum networth of P250,000.00.
Loan Purposes:
Purchase of machinery and equipment.
Acquisition of land to be used as project site but not to exceed 50%
of the loan.
Plant/building acquisition, construction, improvement and expansion.
Terms/Requirements:
Amount: P50.0 Million
Interest Rate: Determined by the bank, usually at market rates.
For loans to finance the purchase of fixed assets/capital equipment
Up to P1.0 Million more than one year up to a maximum of
three years, inclusive of three to six months grace period on
principal;
Over P1.0 Million more than one year up to five years
maximum, inclusive of three months to one year grace period on
principal.
For loans to finance permanent working capital
More than one year up to five years maximum, inclusive of three
months to one year grace period on principal.
For loans to finance plant/building acquisition, construction,
improvement or expansion
More than one year up to ten years maximum, inclusive of three
months to two years grace period on principal.
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Security:
The personal guarantee of the borrower or company principals/
stockholders, lien on project assets to be financed, and other
collateral based on evaluation, such as real estate, chattels and
acceptable marketable instruments; and
Insurance coverage on all insurable assets to be mortgaged.
Program Partners: Allied Banking Corporation, Asia Trust and

Development Bank, Banco De Oro Universal Bank, Bank of Commerce,
Bank of the Philippine Islands, Equitable PCI Bank, Export and Industry
Bank, Land Bank of the Philippines, Philippine National Bank, Philippine
Bank of Communications, Planters Development Bank, Rizal Commercial
Banking Corporation, and United Coconut Planters Bank.
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PHILIPPINE NATIONAL BANK (PNB)
PNB Financial Center, Roxas Boulevard, Pasay City
Program Title: SMALL BUSINESS LOAN (SBL)
Program Objective: To increase its support to local entrepreneurs in

Metro Manila and key provincial centers all over the country.
Eligible Borrowers: Existing businesses under the following priority
sectors:
Food-related businesses Includes processed/packed meat products,
food distribution, biscuits and snack foods, restaurants, retail food
stores, and local food franchises.
Transport and storage cold storage, warehousing, distribution and
transport of consumer goods, and public transport.
Services and Trading gas station and automobile service operations,
security and manpower, photo developing, food-related, hardware
supplies, botica and pharmaceuticals, retail sale of consumer goods,
and wholesale distribution.
Light manufacturing/processing activities.
Loan Purposes:
Working Capital to finance receivables and inventory build-up, and
day-to-day business expenditures;
Upgrading or acquisition of machinery and equipment; and
Construction/expansion or modernization of plant facilities.
Terms/Requirements:
Amount: P500,000.00 to P5.0 Million
Interest Rate:
Term Loan 15% fixed for one year; no hidden charges; reprice
every year.
Revolving Credit Line 15% fixed quarterly for one year; reprice
quarterly.
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Maturity / Repayment: One to five years with equal monthly payments.
Security: Real Estate with classification as residential, commercial,

and industrial properties.
Contact Details:
Mr. Reynaldo Orsolino or Ms. Nerissa Toledo
Small & Medium Enterprises (SME) Division
Phone: (632) 573.4177 (632) 891.6040 local 2274, 2269, or 2063
or the local branches of the Philippine National Bank.
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PLANTERS DEVELOPMENT BANK (PDB)
314 Sen. Gil J. Puyat Avenue, Makati City
Phone: (632) 887.1000
Program Title: REVOLVING CREDIT LINE
Program Objective: To provide short-term loans to SMEs to finance

their working capital requirements. Line is drawn via check issuance or
ATM withdrawal (for individuals).
Eligible Borrowers:
Individuals, Partnerships and Corporations with asset size of not
less than P1.5 Million.
Companies engaged in the business for at least three years.
Companies operating profitably for the last three years.
Loan Purpose: For Working Capital requirements such as receivable

financing, purchase of additional inventory, etc.
Terms/Requirements:
Amount: Minimum of P5.0 Million; Maximum of P30.0 Million.
Interest Rate: Prevailing bank lending rate, reviewed monthly.
Maturity: One year line subject to renewal.
Mode of Payment: Interest payable monthly; principal at maturity.
Security: Real Estate Mortgage (REM) or a combination of REM/

Chattel Mortgage.
Program Title: MORTGAGE OPTIMIZER
Program Objective:
To provide loan or lines for business or personal undertakings.
It has a unique Deposit Link feature where every peso deposited in
the current account shall have a corresponding value which reduces
interest payment on the loan.
Line is drawn via check issuance or ATM withdrawal (for
individuals).
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Eligible Borrowers:
Individuals, Partnerships and Corporations;
Companies engaged in the business for at least three years; and
Loan Purposes:
Working Capital/ Fixed Assets for Business.
House Renovation.
Personal Consumption.
Emergencies.
Terms/Requirements:
Interest Rate:
Revolving Credit Line (RCL) prevailing bank lending rate,
reviewed monthly.
Term Loan (TL) fixed rate for the entire term of the loan.
RCL maximum of one year, subject to renewal.
TL maximum of five years.
Mode of Payment:
RCL Interest payable monthly, principal at maturity.
TL equal monthly amortization.
Security: Real Estate Mortgage on residential and commercial

properties with good marketability.
Program Title: TERM LOAN
Program Objective: To provide loans for fixed asset acquisition and

permanent working capital requirements.
Eligible Borrowers:
Individuals, Partnerships and Corporations having an asset size of
not less than P1.5 Million;
Companies engaged in the business for at least three years; and
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Loan Purposes:
For Permanent Working Capital.
Fixed Asset Acquisition such as purchase of machines, construction/
renovation of building/plant facilities.
Terms/Requirements:
Amount: Minimum of P5.0 Million; Maximum of P30.0 Million.
Interest Rate: Prevailing bank lending rate available at variable or fixed

rate options.
Maturity / Repayment: Maximum of ten years, payable monthly or

quarterly.
Security: Real Estate Mortgage (REM) or a combination of REM/

Chattel Mortgage.
Program Title: CONTRACT TO SELL (CTS) PURCHASE FACILITY
Program Objective: To enable the property developers of subdivision or

condominium projects to liquidate their installment receivables.
Eligible Borrowers:
Developers with proven track record and good reputation in the
real estate industry;
Land development must be 100% completed; and
Must have existing list of buyer receivables.
Loan Purposes:
For Working Capital.
For continuous development of housing projects.
Terms/Requirements:
Amount: Minimum drawdown of P1.0 Million.
Interest Rate: Prevailing bank lending rate.
Maturity / Repayment: Maximum CTS term of 15 years with monthly

amortization.
Security: Assignment of CTS papers.
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Planters Development Bank is an accredited participating financing
institution (PFI) of the following program agencies:
LAND BANK OF THE PHILIPPINES Program Facilities:
Countryside Loan Fund (CLF) I
CLF II
CLF III
DEVELOPMENT BANK OF THE PHILIPPINES Program Facilities:

Industrial Guarantee Loan Fund (IGLF)
Industrial and Support Services Expansion Program (ISSEP)
Environmental Infrastructure Support Credit Program (EISCP)
Domestic Shipping Modernization Program (DSMP)
SMALL BUSINESS CORPORATION Program Facilities:

Funding Access for Short Term Loans (FAST)
Financing Investment for Regional Market (FIRM)
SOCIAL SECURITY SYSTEM Program Facilities:

SSS Financing Program
SSS Financing Program for Educational Institutions
SSS Hospital Financing Program
SSS Industry Loan Program
SSS Tourism Program
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QUEDAN CORPORATION (QUEDANCOR)
Quedancor Center, 34 Panay Avenue, Quezon City
Phone: (632) 373.9704/05/11/15 410.7847/41
SELF-RELIANT TEAM (SRT) PROGRAMS

Program Title: URBAN AND RURAL POOR PROGRAM
Program Objective: To provide financing for agri-fishery, food related

projects and other livelihood projects of the urban and rural poor.
Eligible Borrowers: Urban and Rural Poor
Terms/Requirements:
Amount: P20,000.00 per borrower
Interest Rate: 2% per month
Maturity / Repayment: One year with Weekly, Semi-Monthly, Monthly,

Quarterly, or Semi-Annual payments.
Security:
Postdated Checks (PDCs).
Joint and Several Signatures (JSS) of members of SRT.
Group Credit Life Insurance (GCLI).
Program Title: PHILIPPINE DAIRY
Program Objectives:
To encourage lending banks to extend credit to target clients engaged
or will engage in dairy business, involving production, processing,
marketing, packaging, wholesale, or retail distribution of fully
processed milk and dairy products.
To provide guarantee cover on National Dairy Authority (NDA)
loans funded by the Land Bank of the Philippines.
To provide credit to target clients under Quedancors Special
Window Mode facility.
Eligible Borrowers:
Cooperatives;
Farmer-member of Cooperatives;
Non-Government Organizations;
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Private Individuals or Entrepreneurs; and
Local Government Units.
Terms/Requirements:
Amount: P2.0 Million
Interest Rate: 8% per annum
Maturity / Repayment: Monthly, Quarterly, or Semi-Annual payments

Working capital Three years
Other Loan Purpose Five years
Security:
Chattel on animals and Joint and Several Signatures.
other acceptable securities.
Program Title: CREDIT AND ENTREPRENEURSHIP ASSITANCE

PROGRAM FOR AGRICULTURAL ENGINEERING
STUDENTS AND ORGANIZATIONS
Program Objective: To finance existing or start-up agri-business projects

involving crops, livestock, fisheries, aquaculture projects, operation and
management of agricultural machinery and equipment pools, post harvest
facilities, and other agri-business projects.
Eligible Borrowers: Agricultural Engineers, Agricultural Engineering
Students/ Graduates, and other institutional borrowers.
Terms/Requirements:
Amount: P50,000.00
Maturity / Repayment: Monthly, Quarterly, Semi-Annual, or Annual

payments
Working Capital Three years
Acquisition of Facilities, Machineries/ Equipment Five years
Construction / Upgrading of Warehouses/ other Agri-fishery
Facilities Seven years
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Security:
Postdated Checks (PDCs)
Deed of Undertaking.
other acceptable securities.
Program Title: SELF-RELIANT FARMERS/FISHERFOLK (SRF)
Program Objective: To finance the working capital or cash flow

requirements of self-reliant farmers/fisherfolk engaged or will engage in
mono/multi-crop planting, integrated farm production activities and/or
other livelihood projects.
Eligible Borrowers: Farmers and fisherfolk.
Terms/Requirements:
Amount: Maximum of P50,000.00 per member-borrower or shall
depend on the type of project or as recommended by Quedancor-Credit
Assessment Group (CAG)
Maturity / Repayment: Depending on the type of project.
Security:
Group Credit Life Insurance.
Program Title: SWINE PROGRAM
Program Objective: To provide credit for the breeding and fattening of

swine to targeted clientele engaged in swine production.
Eligible Borrowers: Farmers engaged or will engage in breeding and
fattening of swine.
Terms/Requirements:
Amount:
Maximum of P120,000.00 per member-borrower for SRT.
Maximum of P12.0 Million for individual.
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For fattening/contract growing for fattening six months to one
year.
For breeding/gilt production
1st Parity eight months
2nd to 5th Parity six months
Security:
Postdated Checks (PDCs)
Joint and Several Signatures (JSS) of members of SRT
Deed of Undertaking
Group Credit Life Insurance
Program Title: FISHERIES
Program Objectives:
To generate more employment and livelihood opportunities for small
fisherfolk, fishpond operators, and micro-entrepreneurs in order to
reduce poverty incidence in the rural areas.
To foster entrepreneurial activities among fisherfolk in the
production, processing, manufacturing and trading of fish, seaweed,
and other marine products.
To enhance productivity in the fishery sector through training and
adoption of modern technologies, machinery and equipment.
Eligible Borrowers:
Fisherfolk, and their immediate family members.
Small fishpond operators.
Fish farmers in coastal areas, lakes, and rivers.
Terms/Requirements:
Amount:
Maximum of P50,000.00 per member-borrower.
Interest Rates:
14% p.a. for monthly mode of payment.
16% p.a. for quarterly mode of payment.
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18% p.a. for semi-annual mode of payment.
20% p.a. for annual mode of payment.
For marketing/processing and production loans three years.
For fixed assets acquisition and construction of facilities seven
years.
Security:
Program Title: QUEDANCOR 20-20-20 PROGRAM FOR PALM OIL
Program Objective:
To improve the productivity and income of the palm oil farmers by
providing credit assistance.
To provide livelihood opportunities to palm oil farmers through
additional financing assistance to augment their income.
To develop the palm oil industry by providing credit assistance to
farmers.
Eligible Borrowers: Agrarian Reform Beneficiaries (ARBs) and non-

ARB farmers engaged or will engage in palm oil industry.
Terms/Requirements:
Amount: Maximum of P50,000.00 per member-borrower.
Interest Rate: 14% per annum.
Maturity / Repayment: 12 years.
Security:
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NON SELF-RELIANT TEAM (SRT) PROGRAMS
Program Title: SMALL RETAIL ENTERPRISE (SRE)
Program Objective: To augment working capital of small retail

enterprises.
Eligible Borrowers: Duly Licensed Retailers
Terms/Requirements:
Amount: P25,000.00-P50,000.00
Interest Rate: 2% per month
Maturity / Repayment: Six Months with Weekly, Semi-Monthly, or

Monthly payments.
Security:
Two qualified Co-makers.
Continuing Deed of Assignment of Stocks-in-Trade with Trust
Receipt Agreement.
Program Title: INCOME AUGMENTATION AND LIVELIHOOD

(IAL)
Program Objective: To provide financing for agri-fishery and other

livelihood projects of government employees thereby augmenting their
income and creating employment for their families and relatives.
Eligible Borrowers: State Employees
Terms/Requirements:
Amount: Five times basic salary or P50,000.00, whichever is lower.
Maturity / Repayment: One to three years; Monthly payments.
Security: Co-maker.
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Program Title: WOMEN ENTREPRENEURS
Program Objective: To provide capital to women entrepreneurs for start-

up or expansion of agri-fishery related businesses.
Eligible Borrowers:
Women Farmers;
Fisherfolk;
Rural Workers;
Housewives;
Processors;
Traders;
Cooperatives/Associations; and
Small Businesses
Terms/Requirements:
Amount: Depending on the project cost but not to exceed P20,000.00.
Interest Rate: Retail

14% per annum for monthly mode of payment.
16% per annum for quarterly mode of payment.
18% per annum for semi-annual mode of payment.
20% per annum for annual mode of payment.
Maturity / Repayment: Two years in Monthly or Quarterly payments.
Security:
Assignment of government bonds/securities, blue chip commercial
shares of stocks or bank deposits/placements.
Real Estate/Chattel Mortgage
Assignment of Receivables supported by a marketing contract.
Hold-out deposits equivalent to 15% of the approved loan.
Joint and Several Signatures (JSS) executed by at least three
authorized representatives
Two qualified Co-makers, and other acceptable collaterals.
Program Title: FOOD AND AGRICULTURAL RETAIL

ENTERPRISES (FARE)
Program Objective:
To develop a vibrant market for farmers produce.
To help stabilize prices of basic commodities by facilitating the flow
of institutional credit to retailers.
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To encourage the banking sector to actively service the credit
financing needs of retailers.
Eligible Borrowers: Licensed Retailers.

Terms/Requirements:
Amount:
Maximum of P2.0 Million for Special Window Mode (SWM)
Maximum of P3.0 Million for Sole Guarantee Mode (SGM)
Interest Rate:
SWM
20% per annum for annual mode of payment.
SGM Discretion of the Lending Bank, usually lower than prevailing
commercial rates.
Below P500,000.00 Maximum of one year.
P500,000.00 to P3.0 Million Maximum of three years.
Payments in fixed monthly, quarterly, semi-annual, or annual
amortizations. For SGM, the mode of payment shall be at the discretion
of the Bank.
Security:
Loans under SWM shall be secured by the issuance of Postdated
Checks (PDCs).
Two qualified Co-makers with any or a combination of Real Estate
Mortgage and Assignment of government bonds/securities, blue chip/
commercial/Quedancor notes or bank deposits.
Program Title: LIVESTOCK AND POULTRY
Program Objective:
To improve the living and income position of small poultry and
livestock raisers and their cooperatives and associations.
To encourage the use of modern facilities and equipment for greater
production output and to ensure the quality of meat and meat
products.
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To encourage adoption of appropriate modern technologies and
practices.
Eligible Borrowers:
Farmers/Fisherfolk/Rural Workers
Sole Proprietors/Partnerships/Corporations
Cooperatives/Associations engaged or will engage in projects eligible
under the GMA-CARES-LIVESTOCK and POULTRY.
Terms/Requirements:
Amount: Loanable amount shall depend on the project cost.
Interest Rate:
For marketing/processing and production loans
depends on the cash flow within a period not exceeding three
years.
loans below P100,000.00 two years.
For fixed assets acquisition and construction of facilities shall
depend on the cash flow within a maximum of seven years.
P500,000.00 to P3.0 Million Maximum of three years.
Security:
Assignment of government bond/securities, blue chip commercial
shares of stocks or bank deposits/placements.
Hold-out on deposits equivalent to 15% of the approved loan.
Joint and Several Signatures executed by at least three authorized
representatives.
Two qualified Co-makers, and other acceptable collaterals.
Program Title: QUEDANCOR SMC CREDIT PROGRAM FOR

CASSAVA, CORN, SORGHUM, AND SOYBEAN
Program Objectives:
To improve the productivity and income of corn, cassava, sorghum
and soybean farmers through the provision of credit assistance and
other support mechanism.
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To encourage the formation of business tie-ups between farmers
engaged in corn, cassava, sorghum and soybean production and
private assemblers-consolidators through joint venture agreements,
such as contract farming/growing and management contract.
To promote the adoption of better technology and strengthen the
market linkage between farmers and buyer-firms and assemblers-
consolidators.
Eligible Borrowers:
Assemblers-Consolidators, which may be Sole Proprietorship/
Partnership/Corporation/ Cooperative or other organizations directly
engaged or will engage in the production, processing, and marketing
of corn, cassava, sorghum, and soybean or indirectly through
participating farmer-growers.
Terms/Requirements:
Amount: Depends on the project cost and/or financial condition of the
borrower.
Interest Rate:
For production, processing and marketing loans 12% per annum.
For acquisition of post harvest facilities, machinery and other
equipment:
Maturity / Repayment: Depends on the production cycle or cash flow

of the project.
Security: The Assembler-Consolidator shall be required to sign a

Memorandum of Agreement with QUEDANCOR and SAN MIGUEL
CORPORATION and submit any or a combination of Real Estate/
Chattel Mortgage, Joint and Several Signatures (JSS) of officers duly
authorized representatives (if entity)/ Co-maker (if not entity),
Marketing Contract supported by Purchase Order, and other acceptable
collaterals.
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SMALL BUSINESS CORPORATION
(Small Business Guarantee and Finance Corporation)
17th & 18th Flrs, 139 Corporate Centre, 139 Valero Street, Salcedo
Village, Makati City
DIRECT LENDING PROGRAMS

Contact Details:
Ms. Luna C. David
Vice President Loans Group
Phone: (632) 810.5791/95
Fax: (632) 813.5726
Program Title: SME-FINANCING FOR RECEIVABLES OF

SUPPLIERS TRANSACTIONS (SME-FIRST)
Program Objectives:
To provide credit access to domestic suppliers that are not eligible
to secure new or additional financing from banking institutions due
to insufficient collateral and/or other credit-risk considerations;
To help bridge the financing gap faced by SME suppliers resulting
from long receivables turnaround time, especially during times of
credit crunch; and
To ensure the continued viability of the financing program despite
its direct lending mode, thereby providing sustained assistance to
the domestic suppliers sector.
Eligible Borrowers:
Enterprises with asset size of not more P100.0 Million, excluding
the value of land. Relatedly, the enterprise should not be a subsidiary
or division of the large enterprise;
The enterprise is at least 60% Filipino-owned;
All industries except enterprises engaged in farm-level agriculture/
aquaculture production, in trading of imported goods, of liquor and
cigarettes, in extractive industries, and in housing projects;
Latest annual sales of at least P3.0 million
Other standard financial ratios
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Loan Purpose: Transactional or temporary working capital for SMEs
with receivables from:
Among the top 1,000 corporations;
Government corporations; and
Industry anchor firms.
Terms/Requirements:
Amount:
Maximum of 80% of the value of the receivables.
Initial credit line of P2.0 Million.
Maximum initial credit line of P5.0 Million if clean after 3 paid loans.
The credit line can be further increased up to P8.0 Million after 2
more paid loans and if under direct collection by Small Business
Corporation.
Up to P1.0 million, if receivables is from a government agency.
Up to P1.5 million if receivables is from a top 1,000 corporation in
construction industry or IT software development.
Interest Rate: Shall be set by Small Business Corporation
Maturity / Repayment: Based on collection schedule.
Program Title: SME FINANCING FOR RECEIVABLES OF

SUPPLIERS TRANSACTIONS EXPANDED (SME
EFIRST)
Program Objectives:
To provide credit access to domestic suppliers that are not eligible
to secure new or additional financing from banking institutions due
to insufficient collateral and/or other credit-risk considerations;
To help bridge the financing gap faced by SME suppliers resulting
from long receivables turn-around time, especially during times of
credit crunch; and
the domestic suppliers sector.
Eligible borrowers:
Enterprises with asset size of not more than P100.0 Million,
excluding the value of land. Relatedly, the enterprise should not be
a subsidiary or division of a large enterprise, and
Enterprises with at least 60% Filipino-owned.
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All industries except enterprises engaged in farm-level agriculture/
aquaculture production, in purely retail trading, in vice generating
activities, in extractive industries, and in housing projects.
Enterprise must meet the following minimum eligibility criteria:
Capitalization or equity of at least P500,000.00;
At least two (2) years of profitable operations;
Latest annual sales of at least P3.0 Million; and
Other standard financial ratios.
Loan Purposes: Transactional working capital for SMEs with Purchase

Orders (POs) from:
Cebu-based top exporters.
Among the top 1000 corporations.
Government Corporations.
Industry anchor firms
Terms/Requirements:
Amount:
Minimum financing is P200,000.00, while maximum financing shall
be up to 80% of the value of Sales Invoice/ Purchase Orders. A
maximum of P2.0 Million shall apply to POs issued by Cebu-based
top exporters;
Maximum initial credit line of P3.0 Million if clean loan after five
paid loans;
Credit line can be further increased up to P5.0 Million if amount
beyond P3.0 Million is at least 50% secured;
The credit line can be further increased up to P8.0 Million if amount
beyond P5.0 Million is fully secured in addition to the initial
collateral.
Up to P1 million if PO is from a government line agency and if loan
is at least 50% secured
Up to P1 million if PO is from a top 1,000 corporation in the
construction industry or in IT software development and if loan is
at least 50% secured
Maturity / Repayment: Based on collection schedule.
Security: Titled Chattel Mortgage (REM) and/or motor vehicles.
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Program Title: SME FINANCING REACH FOR EXPORTERS THRU
NETWORK DEVELOPMENT (SME FRIEND)
Program Objectives:
To provide credit access to exporters that are not eligible to secure
new or additional financing form banking institutions due to
insufficient collateral and/or other credit-risk considerations; and
the export sector.
Eligible Borrowers:
Exporters with asset size of not less than P1.5 Million and not more
than P100.0 Million, excluding the value of land. Relatedly, the
enterprise should not be a subsidiary or division of a large enterprise;
Enterprises with at least 60% Filipino-owned; and
All except exporters engaged in farm-level agriculture/aquaculture
production, in extractive industries and in purely trading, in vice
generating activities, or in housing.
Loan Purpose: Transactional working capital for exporters with export

LCs and/or export POs as endorsed by FOBAP.
Terms/Requirements:
Amount: Maximum of 70% of the face value of the export LC/PO or
its total working capital requirement (limited to raw materials, direct
labor and shipping costs, whichever is lower); On a per LC/PO basis,
the total loan amount shall not be less than P200,000.00. On a per
borrower basis, the total outstanding balance of the LCs/POs shall not
initially exceed P5.0 Million.
Interest Rate: For evaluation by Small Business Corporation.
Maturity / Repayment: The term of payment shall be based on the LC/

PO expiry date, with allowance for the collection period.
Security: Titled Real Estate Mortgage and/or Motor Vehicle.
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Program Title: SME FINANCING FOR ORGANIZATIONALLY
COMPETENT AND EXCELLENT FRANCHISE
BUSINESSES (SME FORCE)
Program Objectives:
To provide credit access to franchisees that are not eligible to secure
new or additional financing from banking institutions due to
insufficient collateral and/or other credit-risk considerations; and
To ensure the viability of the financing program despite its direct
lending mode, thereby providing sustained assistance to the business
financing sector.
Eligible Borrowers:
Franchisees (for the start-up of a franchise outlet or for expansion /
renovation)
Franchisor in need of improvement or expansion of commissary/
support system for franchising operations
Loan Purposes:
For acquisition of fixed assets.
For leasehold improvements.
For initial working capital.
Terms/Requirements:
Amount: Minimum of P200,000.00 and not more than P5.0 Million;
P2.5 Million, if franchise system is less than three years old. On a per
franchise business basis, the total loans shall not exceed P30.0 Million
(franchise projects with higher loan requirements may be assisted by
Small Business Corporation under its guarantee program where bank
financing shall be applied).
Interest Rate: Shall be set by Small Business Corporation.
Maturity / Repayment: Maximum of three years with six months grace

period; Monthly or quarterly amortization.
Security:
Corporate guarantee by the franchisor-firm equivalent to at least
50% of the outstanding balance of the loan or at least 50% hard
collateral cover (real estate and/or motor vehicles) assessed at simple
market value;
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Chattel mortgage on the fixed assets to be financed; and
Assignment of leasehold rights on the project site to be financed;
Assignment of the franchise rights.
Program Partners:
Association of Filipino Franchisors, Inc. (AFFI), and Philippine Franchisors,
Inc. (PFI).
Program Title:
SME GUARANTEE INCUBATION FOR DTI-ENDORSED PROJECTS
(SME GUIDE)
Program Objective: To support the revenue stream of DTI in terms of

direct financial package.
Eligible Borrowers:
Filipino-owned Enterprises, Corporation (at least 60% Filipino-
owned) that are not engaged in extractive industries, purely retail
trading, vice-generating activities, housing or in farm-level agri/aqua
production, and activities imposing threat in the environment
Minimum asset size of P500,000.00 (excluding value of the land)
Maximum asset size of P100.0 Million (excluding value of land)
At least one (1) year in operation
Loan Purposes:
Building construction/improvement.
Equipment acquisition.
Lot acquisition (Up to 25% of the loan).
Loan take-out from non-government financial institutions (up to
25% of the loan).
Permanent working capital (maximum of P1 million for pure working
capital).
Terms/Requirements:
Amount: Minimum of P200,000.00; Maximum of P5.0 Million; Up to
70% of each component of the project cost; Up to two times of existing
networth or up to five times of latest annual net income; whichever is
lower.
Maturity / Repayment: Depending on loan amount relative to existing
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financials of borrower, but preferably up to three years and up to six
months grace period. Maximum of five years with up to one year grace
period. Amortization is monthly or quarterly.
Security: Assets financed by the loan; collateral substitute if building

improvement/ construction could not be made part of collateral. Small
Business Corporation reserves the right to require other assets owned
by the proponent as collateral except for the family abode.
Program Partner: Regional/Provincial Offices.
GUARANTEE PROGRAMS
Contact Details:
Mr. Hector M. Olmedillo
Vice President - Credit Guarantees Group
Phone: (632) 810.5791/95
Fax: (632) 813.5726
Program Titles:
SME-GUARANTEE FOR ENTERPRISES IN
MANUFACTURING AND SERVICES (SME-GEMS) Projects
which are or will be engaged in manufacturing, services and trade
activities, whether for domestic or export market, except trading of
cigarettes and liquor, housing, and vice-generating business
activities.
SME-GUARANTEE RESOURCES FOR AGRIBUSINESS
INVESTMENTS (SME-GRAIN) Projects in agribusiness except
direct farm level of production, live stock, poultry, fishing and
aquaculture. Eligible project are those which are one step forward
from the above mentioned production activities.
SME-GUARANTEE LINES FOR ANCHOR INDUSTRIES (SME-
GLAD) Eligible projects are SMEs that supply goods and services
to private business firms commonly referred to as Big Brother
Companies.
GUARANTEE FOR SUPPLIERS OF LOCATORS OF PEZA/BOI
Programs Objectives:
To stimulate the flow of credit to the SME sector thru the provision
of credit guarantees and other support; and
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To encourage greater participation of financial institutions in the
development of SMEs.
Eligible Borrowers:
Asset size before the loan, exclusive of the value of the land where
project is situated:
Small Scale P1.5 Million to P15.0 Million.
Medium Scale More than P15.0 Million up to P100.0 Million.
Individual/sole proprietorship, partnership, corporation, cooperative,
organization or association
If a sole proprietorship or partnership, it must be 100% owned and
capitalized by Filipino citizen. However, if it is juridical entity, at
least 60% of its capital or outstanding stocks must be owned by
Filipino citizens
Must neither be a branch, subsidiary or division of a large scale
enterprise nor may its policies be determined by a large scale
enterprise or by persons who are not owners or employees of the
enterprise
Its latest in-house financial statements must comply with a current
ratio of at least 1.20:1.00 and debt-to-equity ratio of at most 80:20
before the loan
Must have generated positive income for the immediate past year
based on BIR-filed financial statements
In the case of new enterprise, the technology must be tested and
proven and market must be clearly identified
Must have a firm, determined and reliable market and proven
managerial capability
Projected internal rate of return on investment of at least 15% per
annum
For new exporters, at least two (2) years profitable performance as
local producers or sub-contractors
Three-year profitable performance with average annual sales of at
least US$100,000.00 or eight LC/PO/SC transactions totaling at
least US$200,000.00 must have been consummated if less than three
years
The exporter/borrower and foreign buyers must be pre-cleared with
the negative list of the Bureau of Export Trade Promotion (BETP)
The borrower must have the production capacity to carry out orders
Loan Purposes:
Acquisition of assets:
for land or project site acquisition (not more than 25% of the
loan)
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building improvements/expansion or construction of plant
facilities
for new equipment
for second hand/reconditioned equipment
Temporary working capital.
Terms/Requirements:
Amount: For guarantee cover: P100,000.00 to P20.0 Million.
Interest Rate: Not to exceed 30% per annum inclusive of all fees and
charges.
Guarantee Fee: 2% per annum of the guaranteed portion.
Credit Line upon maturity of Promissory Notes (PNs).
Term Loan monthly, quarterly or semi-annually.
Security: Project assets to be financed by loan should form part of

collateral.
WHOLESALE PROGRAMS
Contact Details:
Ms. Luna C. David
Vice President Loans Group
Phone: (632) 810.5791/95
Fax: (632) 813.5726
Program Title: SME-FUNDING ACCESS FOR SHORT TERM LOANS

(SME-FAST)
Program Objectives: A wholesale short-term financing program channeled

through Accredited Financial Institutions (AFIs) as conduits for SME
lending to attain the following:
To provide SMEs wider access to short-term credit by improving
the over-all liquidity of the financial system; and
To provide incentive to competitive SMEs by way of access to short-
term loans with lower interest rates.
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Eligible Borrowers:
Enterprises with asset size of not less than P3 Million and not more
enterprise should not be a subsidiary or division of a large enterprise,
at least 60% Filipino-owned; and
All except enterprises engaged in farm-level agriculture/aquaculture
production, in trading of imported goods of liquor & cigarettes and
in housing projects.
Loan Purpose: Encourage the financial system to open up to more SME

markets of wider industry coverage and of regional dispersal
Terms/Requirements:
Amount: Maximum of 90% of the face value or outstanding principal
balance of PN(s) to be rediscounted or P15.0 Million, whichever is
lower.
Interest Rate: Monthly to consider Weighted Average Interest Rate

(WAIR) of 91-day Treasury Bills, and the agencys cost of funds and of
doing business.
Maturity/Repayment: Maximum of 360 days (short term).
Security of Borrower: Deed of Real Estate Mortgage; From the Bank,

there should be a Deed of Assignment with Recourse on all rights,
interests and/or titles covering the rediscounted PN; Deed of
Undertaking with Custodianship, if applicable
Accredited Partners: BPI Family Savings, Agri-Business RB of Sta.

Fe, First Malayan Leasing, Postal Savings Bank, Planters Bank, PBCom,
Network Rural Bank, and Maranao Rural Bank.
Program Title: SME-FUNDING FOR INVESTMENTS IN REGIONAL

MARKETS (SME-FIRM)
Program Objectives: A wholesale medium-term financing program using

banking institutions as conduit for lending to attain the following:
To provide SMEs wider access to medium-term credit by improving
the financial systems capability to allocate for these requirements;
To provide incentive to competitive SMEs by way of access to
medium-term loans with lower interest rates;
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To provide SMEs a more steady financing cost base that would
enable them to grow in their investment areas; and
To reach out to SMEs in provincial cities and other areas outside of
the traditional centers of lending, thereby providing opportunities
for growth in the regions.
Eligible Borrowers:
Enterprises with asset size of not less than P3 Million and not more
enterprise should not be a subsidiary or division of a large enterprise;
The Enterprise is at least 60% Filipino-owned;
All except enterprises engaged in farm-level agriculture/aquaculture
production, trading of imported goods, of liquor and cigarettes, in
extractive industries, and in housing projects;
Borrower should be able to capitalize at least 20% of the total cost
of putting up the project;
The project has an estimated internal rate of return of at least 15%
during the term of the loan.
Loan Purposes:
Fixed asset acquisition/construction, where land purchase should
not exceed 25% of the total loan amount.
Terms/Requirements:
Amount: Maximum of 90% of the face value or outstanding principal
balance of PN(s) to be rediscounted or P15.0 Million, whichever is
lower.
Interest Rate: Weighted Average Interest Rate (WAIR) of 91-day

Treasury Bills, and the agencys cost of funds and of doing business.
Maturity / Repayment: The loan has a term of at least one year and not
more than five years depending on the requirement of the borrower.
Security:
Real Estate Mortgage (REM)
From the Bank, there should be a Deed of Assignment with Recourse
on all rights, interests and/or titles covering the rediscounted PN.
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Program Title: SME EQUITY VENTURES PROGRAM (EVP)
Program Objectives: To support the financing needs of small and medium

enterprises (SMEs) that are ready to develop into a higher level of
marketing, technical, management and production operations.
The program shall be implemented with a private sector partner who shall
put up a counterpart fund equal to the EVP fund. Equity investments in
SMEs between the SB Corporation and its partner shall be on a 50:50
basis. The Small Business Corporation and its partner shall jointly manage
the investment fund.
Eligible Borrowers:
SME Corporation or an enterprise willing to incorporate if it is a
registered proprietorship/ partnership entity;
Must be engage in the following sectors: Industrial and
Manufacturing, Agri-business, Service, Tourism, and Environmental
projects;
Must have a well-defined business plan; should include potential
revenue of income and resource requirements needed to attain and
sustain the success of the project;
Have a track record of success in the targeted industry and
technology to be engaged in;
The products or services of the enterprise have the potential of
becoming nationally, if not globally competitive;
If using a new technology, must be able to show appropriate
technology transfer arrangement of the key intellectual property
rights;
Must have a capable and experienced management team with at least
one key senior officer with a similar record in managing similar
companies; and
The directors and officers of the SME have impeccable integrity to
safeguard the interest of its stockholders, creditors, and customers.
Loan Purposes:
Acquisition of machinery and equipment;
Building improvement/expansion or construction of plant facilities;
and
Working capital.
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Terms/Requirements:
Amount: Maximum of P20.0 Million or not more than 40% of the
authorized capital of the SME, whichever is lower.
Dividend Rate: The dividend rate on preferred shares of stocks shall

be based on SB Corporations lending rate plus a spread for
administrative and risk premium.
Maturity / Repayment: Maximum of five years; Payments depend on

deal structure.
Contact Details:
Mr. Charles G. Belgica
Department Manager II
Phone: (632) 810.5791/95
Fax: (632) 813.5726
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SOCIAL SECURITY SYSTEM (SSS)
SSS Building, East Avenue, Diliman, Quezon City
Phone: (632) 920.6401
Program Title: SME UNIFIED LENDING OPPORTUNITIES FOR

Program Objective: To provide SSS members, belonging to the small

and medium enterprises (SMEs) category, greater access to short and long-
term funds through SSS accredited conduit banks which will re-lend the
fund to qualified SSS member-borrowers.
Loan Purposes:
Short-Term Loan export packing credit, and temporary working
capital;
Long-Term Loan purchase of equipment, building or warehouse
construction, purchase of lot, purchase of inventories or as
permanent working capital
Eligible Borrowers: SSS members with the following qualifications:

Existing private enterprises in all industries except trading of
imported goods, liquor, cigarettes, and extractive industries like
mining or quarrying;
At least 60% Filipino owned;
Asset size of not more than P100.0 million excluding land;
Have positive income for the previous year (if previous years income
is negative, the average income of the past two or three years should
be positive);
Have debt-to-equity ratio of not more than 80:20 after financing, or
70:30 if borrower is a franchisee; and
SSS member-employers of good standing.
Terms/Requirements:
Amounts:
Short-Term Loans Up to 70% of the value of the Letter of Credit
or Purchase Order for export packing, or 70% of the working capital
requirement,or maximum of P5.0 Million.
Long-Term Loans Up to 80% of the incremental project cost, or
maximum of P5.0 Million.
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Interest Rates:
Short-Term Loans
To PFI Fixed rate based on prevailing 364-day T-bill Rate.
To End-user PFIs option
Long-Term Loans
To PFI Over 1-5 yr. term loan based on the prevailing T-Bond
Rate but not to exceed 10% p.a.
To End-user PFIs option
Short-Term Loans Maximum of one year.
Long-Term Loans Maximum of five years with one-year grace
period on principal payment.
Security:
Short-Term Loans
Postdated Check.
Registered/Unregistered Real Estate Mortgage (REM) or Chattel
Mortgage (CM).
Assignment of Letter of Credit (LC) or Purchase Order (PO).
Assignment of Life Insurance.
Guarantee Cover.
Corporate Guarantee (if franchisee).
Assignment of Lease Rights (if franchisee).
Long-Term Loans
Postdated check.
Registered/Unregistered REM/CM.
Guarantee Cover.
Assignment of Life Insurance.
Corporate Guarantee (if franchisee)
Assignment of Lease Rights (if franchisee).
Contact Details:
Institutional Loans Department (ILD)
Phone: (632) 926.1644 (632) 927.8249
(632) 920.6401 locals 5115 or 5118
Program Title: THE SSS SPECIAL FINANCING PROGRAM

Program Objectives:
To address the unavailability of credit facility to the business sector
through the conduit banks or participating financial institutions
(PFIs) which will on-lend the fund to eligible borrowers;
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To encourage the formation and growth of barangay micro business
enterprises; and
To generate employment.
Eligible Borrowers:
New or existing micro, cottage, small and medium enterprises
including registered Barangay Micro Business Enterprises (BMBEs)
as well as entities with asset size of not more than P200.0 Million;
Enterprises engaged in agribusiness, manufacturing, utilities,
transportation and communications, commercial production,
particularly of food and basic consumer items, and products for
export, trading, and service-oriented enterprises; and
SSS member-employer of good standing.
Loan Purposes:
Construction or renovation or expansion of building;
Acquisition or upgrading of machinery and equipment;
Working Capital.
Terms/Requirements:
Amount: Maximum loan of P50.0 Million.
Interest Rate:
To PFI:
1 year 7%
over 1-3 years 9%
over 3-5 years 10%
over 5 years 11%
To End-user: PFIs option.
The interest rate is subject to review every five years.
Maturity / Repayment: Maximum of ten years, in equal quarterly
payments, which may include a two-year grace period on principal
payment, if warranted. Loan to BMBEs may be amortized monthly or
quarterly depending on the cash flow projection of the borrower.
Security: Any collateral acceptable to the PFIs. However, loan to

BMBEs if not secured by hard collateral, may also be secured by SB
Corporation.
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Contact Details:
Phone: (632) 926.1644 (632) 927.8249
(632) 920.6401 locals 5115 or 5118
Program Title: INDUSTRY LOAN PROGRAM (Under the PFIs

Omnibus Credit Line)
Program Objectives:
To contribute to the national recovery effort by providing financial
assistance to selected companies through conduit arrangement with
SSS accredited participating financial institutions (PFIs); and
To create employment opportunities by increasing the capacity
utilization or modernization of plant and equipment of selected
companies.
To further diversify SSS investments and to efficiently use its
resources consistent with its earnings, liquidity and risk targets.
Eligible Borrowers: Existing and Start-up enterprises with the following

qualifications:
Engaged in Agribusiness (contract growing, aquaculture), Food
Processing (rice, oil, feedmill, meat processing), Manufacturing
(garments, ceramics, textile, furniture, construction materials, etc.),
Service Oriented Enterprises (transportation, warehousing, utilities,
etc.), Tourism Related Projects (hotels, resorts, theme parks, etc.),
and Real Estate Development Projects (industrial estate
development, commercial);
Have an asset size of at least P60.0 million;
Have a debt-equity ratio not exceeding 75/25 after financing;
Have proven track record of profitability;
Be at least 70% Filipino-owned, for corporation;
Not have defaulted in the payment of interest on any of its debts,
securities or loans;
Not have any arrearages with SSS insofar as premium contribution
or loans and remittance of employee contributions or payments on
their loans are concerned.
Loan Purposes:
Modernization of plant and equipment resulting to an increase in
production capacity.
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Civic works and construction of building.
Increasing capacity utilization of existing firms.
Additional/ new capacity.
Terms/Requirements:
Amount: Minimum of P51.0 Million; Maximum of P500.0 Million (75%
of the requirement of the project but not to exceed P500.0 Million or
loan value of collateral whichever is lower).
Interest Rate:
To PFI:
over 1-3 years 9%
over 3-5 years 11%
over 5 years 12%
To End-user: PFIs option.
The interest rate is subject to review every five years.
Maturity / Repayment: Maximum of ten years, payable quarterly,
depending on the cash flow requirements of the project. Grace period
for amortization of the principal may be given on a case-to-case basis,
but not to exceed three years.
Security: Real Estate/Chattel Mortgage and other collaterals acceptable

to the PFIs.
Contact Details:
Phone: (632) 926.1644 (632) 927.8249
(632) 920.6401 locals 5115 or 5118
Program Title: FINANCING PROGRAM FOR TOURISM PROJECTS
Program Objectives:
To provide long-term financing to SSS members engaged in tourism
projects through accredited Participating Financial Institutions as a
means of spurring economic growth and regional development.
To contribute to the governments program of generating more
employment opportunities especially in the countryside.
To contribute to the countrys foreign exchange earnings.
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Eligible Borrowers:
New or Existing enterprises engaged in tourism business using the
eco-based approach.
At least 60% Filipino-owned.
Must have a track record, experience and training on the project
being proposed.
Must have debt-to-equity ratio of not more than 75:25.
Loan Purposes:
Site development;
Enhancement of existing facilities;
Construction of building e.g. resort cottages; and
Acquisition of machinery and equipment, furniture, furnishings and
fixtures.
Terms/Requirements:
Amount: Depends on the requirements of the project/business but not
to exceed P150.0 million.
Interest Rates (end-borrower):

1-3 years 13%
over 3-5 years 14%
Over 5-10 years 15%
Interest rates are subject to review every five years.
Maturity / Repayment: Maximum of ten years, in equal quarterly
payments, including a grace period on the repayment of principal of
not more than three years.
Security: Real Estate/Chattel Mortgage and other collaterals acceptable

to the PFIs.
Contact Details:
Phone: (632) 926.1644 (632) 927.8249
(632) 920.6401 locals 5115 or 5118
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Program Title:
SPECIAL FINANCING PROGRAM FOR VOCATIONAL AND
TECHNICAL SCHOOLS
Program Objectives:
To contribute to the development of vocational and technical skills
necessary to increase the overall productivity in the economy, thus
help in accelerating the economic and social development of the
country; and
To improve access of the general population and in particular, SSS
members and their dependents, to better educational facilities by
providing long-term financial assistance to private vocational and
technical schools through accredited Participating Financial
Institutions (PFIs).
To create awareness and appreciation of the demand and potential
earning capabilities of vocational and technical skills.
Eligible Borrowers:
New or existing private vocational and technical schools duly
licensed by an authorized agency such as Department of Education
(DepEd), Technical Education and Skills Development Authority
(TESDA), and Commission on Higher Education (CHED);
A registered SSS member-employer;
At least 60% Filipino-owned;
Have a proven track record of profitability;
Have a debt-to-equity ratio of not more than 75:25 after financing;
and
An SSS member of good standing.
Loan Purposes:
Construction of new school buildings;
Completion or improvement of existing school buildings; and
Acquisition or repair/upgrading of school equipment and facilities.
Terms/Requirements:
Amount:
Maximum of 80% of the total project cost, but not to exceed P75.0
Million;
For repair and reconstruction projects in declared calamity areas,
100% of the project cost, but not to exceed P75.0 Million.
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Interest Rates (end-borrower):
1-3 years 13%
over 3-5 years 14%
Over 5-10 years 15%
Maturity / Repayment: Ten years, in equal quarterly payments, including
a grace period of three years on principal payment.
Security: Preferably by a Real Estate Mortgage on the borrowers

property or by a collateral acceptable to the PFIs.
Contact Details:
Phone: (632) 926.1644 (632) 927.8249
(632) 920-6401 locals 5115 or 5118
Program Title: HOSPITAL FINANCING PROGRAM
Program Objectives:
To facilitate the establishment of and to help maintain hospitals and
related institutions by providing funds through accredited
Participating Financial Institutions (PFIs).
To improve hospital care delivery to the general population and to
SSS members and their dependents by making adequate hospital
care accessible and affordable to low-income workers.
To support the national governments program of attaining a much
better distribution of hospital facilities throughout the country that
will be more responsive to the needs of particular localities and their
inhabitants.
Eligible Borrowers: All categories of hospitals licensed by the Department

of Health (DOH), either primary, secondary, or tertiary may borrow under
the loan program and must be:
At least 60% Filipino-owned;
Maintain a debt-to-equity ratio of 75:25 after financing; and
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Loan Purposes:
Construction of new hospital buildings and institutions for the sick,
aged, and infirm individuals.
Completion or improvement of existing hospital buildings.
Acquisition or repair/upgrading of hospital equipment and machinery.
Repair and reconstruction of hospital buildings damaged by recent
calamities.
Construction, expansion and improvement of doctors clinic as part
of the hospital building complex.
Terms/Requirements:
Amount:
Maximum amount shall be 75% of the project cost but not to exceed
P150.0 Million for primary and secondary hospitals and P350.0
Million for tertiary hospitals.
For repair and construction projects in declared calamity areas, the
maximum amount shall be 100% of the project cost but not to exceed
P150.0 Million for primary and secondary hospitals and P350.0
Million for tertiary hospitals.
For doctors clinic, the loanable amount is equivalent to 50% of the
project cost, but not to exceed P150.0 Million.
Interest Rate (end-borrower):

1-3 years 13%
over 3-5 years: 14%
Over 5-10 years 15%
Maturity / Repayment: Payable within ten years, including a grace
period of three years on the principal. Principal balance will be amortized
monthly, quarterly, and semi-annually together with the interest based
on the cash flow projections.

property or any collateral acceptable to PFIs.
Contact Details:
Phone: (632) 926.1644 (632) 927.8249
(632) 920.6401 locals 5115 or 5118
-114-
Program Title: SSS FINANCING PROGRAM FOR EDUCATIONAL
INSTITUTIONS
Program Objectives:
To improve access to better educational facilities by providing long-
term financial assistance to private educational institutions.
To enhance the countrys economic productivity thru the
development of a larger pool of professionals and skilled workers
to support the countrys industrial and agricultural expansion.
To complement the governments aim to achieve a better distribution
of educational institutions nationwide.
Eligible Borrowers: New or existing private educational institutions in

the elementary, secondary, or collegiate/university level, which are duly
licensed by the Department of Education or the Commission on Higher
Education may borrow under the program and the borrowing institution
must:
Be a registered SSS member-employer;
Be at least 60% Filipino-owned;
Maintain a debt-to-equity ratio of 75:25 after financing; and
Loan Purposes:
Construction of new school buildings including gymnasium, library
and other facilities related to schools operations (sports complex,
multi-purpose hall, covered court, track and field, etc.).
Completion or improvement of existing school buildings.
Acquisition or repair/upgrading of school equipment and machinery.
Repair and reconstruction of school buildings damaged by recent
calamities.
Terms/Requirements:
Amount: The maximum loanable amount shall be 75% of the total
project cost but not to exceed P150.0 Million for primary and secondary
schools, P250.0 Million for colleges, and P350.0 Million for universities.
Interest Rate (end-user/borrower):

1-3 years 13%
over 3-5 years: 14%
Over 5-10 years 15%
-115-
Maturity / Repayment: The loan is payable within ten years including
a grace period of three years on the principal. The principal balance
will be amortized quarterly together with the interest based on the cash
flow projections.

property. The loan may also be secured by any collateral acceptable to
the PFIs.
Contact Details:
Phone: (632) 926.1644 (632) 927.8249
(632) 920.6401 locals 5115 or 5118
-116-
Micro Financing Programs
Financing Program/Program Beneficiary Focus/Project Focus
Financing
Institutions General/ Agrarian Reform Out-of-School Overseas Workers Below Poverty
Women
Manufacturing Beneficiaries/Farmers Youth Threshold
Foundation for a Microfinance Eco-
Sustainable Society, Enterprise Program
Inc.
GSIS Family Bank GFB Microfinance
Lending Program
Land Bank of the Microfinance Program

Philippines Cooperative Lending
Program
National Livelihood Special TIE-UP Program Livelihood Credit Youth Livelihood

Support Fund Assistance Program Entrepreneurship Development
Financing Program for
-117-
Credit Assistance for

Coconut Farmers Facility Overseas Filipino
Workers
Opportunity Individual Micro
Microfinance Bank Business Loan
Group Micro Loan
Peoples Credit and Microfinance

Finance Corporation Program
Philippine Enterprise Balikatan Sa

Development Kaunlaran
Foundation
SB Corporation SME-Funding Entry Point

for Entrepreneurs in
Livelihood
Financing Programs for SMEs
Financing
Institutions General/ Technology Trading and Environmental Agri Tourism/
Manufacturing Improvement Service Infrastructure Education Business Real Estate
Asiatrust Bank Carry Term Loan
Development Bank Short Term Loan
Discounting Line/
Receivables Discounting
Domestic Letter of Credit/
Trust Receipt
Import Letter of Credit/Trust
Receipt
Department of Small Enterprises

Science and Technology
Technology Upgrading
Program
Development Bank Credit Line for MSMEs Sustainable Environmental Infrastructure Education
of the Philippines Logistics Support Credit Program Sector
Development KfW-Industrial Pollution Credit
Program Control Loan Project Program
Credit Line for Solid Waste
Management
Foundation for a Solid Waste Eco-Enterprise Coconut Business

Sustainable Program Integrated and
Society, Inc. Sustainable Partnership for Development
Eco-Enterprises Development Program
Fund for Sustainable Civil
Society - Start-up Eco-
Enterprise Development
Program
Government Service GSIS Special Financing
Insurance System Program
Land Bank of the Easy Pondong Pang-Asenso Special Financing Countryside Loan Fund Accelerating Change
Philippines SULONG Program Assistance to Small Program in the Countryside
Countryside Loan Fund & Medium Exporters Retail Countryside Fund Thru Equity
Program Countryside Loan Sharing Strategy
Retail Countryside Fund Fund Program Countryside Loan
Retail Countryside Fund Program
Fund Retail Countryside
Fund
Financing
Institutions General/ Technology Trading and Environmental Tourism/
Education AgriBusiness
Manufacturing Improvement Service Infrastructure Real Estate
National Livelihood Isang Bayan, Isang

Support Fund Produkto, Isang Milyong
Piso
Philippine Business Small & Medium
for Social Progress Enterprise Credit
Program
Philippine Export- Special Credit Facility for
Import Credit Agency Export Development
Short Term Direct Lending
Program
Medium and Long Term
Direct Lending Program
SULONG Program
PreShipment Export
Finance Guarantee
PostShipment Export Risk
Guarantee
Term Loan Guarantee
Program
Philippine National Small Business Loan Small Business
Bank Loan
Planters Development Revolving Credit Line Contract to
Bank Mortgage Optimizer Sell Purchase
Term Loan Facilities
Quedan Corporation Urban and Rural Poor Program

Philippine Dairy
Credit and Enterpreneurship
Assistance Program for
Agricultural Engineering
Students and Organizations
Self-Reliant Farmers/Fisherfolk
Swine Program
Fisheries
Quedancor 20-20-20 Program
for Palm Oil
Financing
Institutions General/ Technology Trading and Environmental Tourism/Real
Manufacturing Improvement Service Infrastructure Education AgriBusiness Estate
Small Retail Enterprise
Income Augmentation
and Livelihood
Women Entrepreneurs
Food & Agricultural
Retail Enterprises
Livestock and Poultry
Quedancor-SME
Credit Program for
Cassava, Corn,
Sorghum & Soybean
Small Business SME-FIRST SME-GRAIN
Corporation SME-EFIRST
SME-FRIEND
SME-FORCE
SME-GUIDE
SME-GEMS
SME-GLAD
Guarantee for SME-GEMS
Supplies of
Locators of PEZA/
BOI
SME-GUILD
SME-FAST
SME-FIRM SME-GUILD SME-GUILD
SME Equity Ventures
Program
Social Security System SULONG Program Hospital Special Financing Financing

Special Financing Financing Program for Program for
Program Program Vocational and Tourism
Industry Loan Special Technical Projects
Program Financing Schools
Program Financing Program Industry Loan Industry Loan
Industry Loan for Educational Program Program
Program Institutions

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Philippine Financing Programs

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FINANCING PROGRAMS

FOR MICRO, SMALL

The implementation of micro financing and SME lending programs by

This compilation is an initiative of BSMED under the Department of Trade

I. MICRO FINANCING PROGRAMS

Foundation for a Sustainable Society, Inc. (FSSI) 3

GSIS Family Bank (GFB) 4

Land Bank of the Philippines (LBP) 7

National Livelihood Support Fund (NLSF) 12

Opportunity Microfinance Bank (OMB) 19

Peoples Credit and Finance Corporation (PCFC) 22

Philippine Enterprise Development Foundation

Small Business Corporation (SB Corporation) 27

Department of Science and Technology (DOST) 36

Development Bank of the Philippines (DBP) 38

Foundation for a Sustainable Society, Inc.

Government Service Insurance System (GSIS) 52

National Livelihood Support Funds (NLSF) 63

Philippine Business for Social Progress (PBSP) 65

Philippine Export-Import Credit Agency

Philippine National Bank (PNB) 79

Quedan Corporation (Quedancor) 85

Small Business Corporation (SB Corporation) 95

Social Security System (SSS) 108

III. PROGRAM CLASSIFICATION

Program Title: MICROFINANCE ECO-ENTERPRISE PROGRAM

Program Title: GSIS FAMILY BANK MICROFINANCE LENDING

Mode of Payment: Payable in weekly amortization. No advance payment

Program Title: MICROFINANCE PROGRAM

Mode of Credit Delivery: Landbank will be a wholesaler of funds to

Interest Rate: (aligned with PCFC rate)

Program Title: COOPERATIVE LENDING PROGRAM

Program Objective: To help augment income, generate more economic

Program Title: LIVELIHOOD CREDIT ASSISTANCE PROGRAM

Program Title: YOUTH ENTREPRENEURSHIP FINANCING

Program Title: CREDIT ASSISTANCE FOR COCONUT FARMERS

Program Objective: To assist the establishment of microfinance projects

Program Title: LIVELIHOOD DEVELOPMENT PROGRAM FOR

Interest Rate: 9% per annum.

Program Title: INDIVIDUAL MICRO BUSINESS LOANS

Program Objective: To help enterprising individuals improve their

Loan Purpose: Business expansion and purchases relating to its

Maturity / Repayment: Six up to Twenty-four (24) months.

Program Title: GROUP MICRO LOANS

Program Objective: To help micro entrepreneurs access loan funds for

Loan Purpose: Working Capital for any income generating activities.

Interest Rate: 16% interest

Maturity / Repayment: Six months or Twenty-four (24) weeks; Weekly

Security: Each member of the group gives P200.00 as initial deposit

Program Title: MICROFINANCE PROGRAM

Program Objective: To provide the poor with access to livelihood credit

Sub-Borrowers Six months to One year term; normally payable

Investment Credit Institutional Credit

Deed of Assignment of Mortgage of assets to be

Sub-Borrowers Essentially no collateral.

Program Partners or MFIs: Please inquire from the following PCFC

Fax: (632) 897.8523 897.8528

Program Title: BALIKATAN SA KAUNLARAN (Partnership for

Program Objective: To provide opportunities for poor Filipino families