Question 1

Who is eligible for an SME business loan at Leverage.ph?

Accepted Answer

Philippine SMEs that have been operating for at least 12 months, are registered with DTI, SEC, or CDA, and can demonstrate consistent monthly revenue are eligible. We evaluate each application using Precision Risk Engineering — assessing cash flow, business history, and revenue patterns — so you are not judged solely on a bureau credit score. Corporations, sole proprietors, partnerships, and cooperatives may apply for loans from ₱100,000 to ₱10,000,000.

Question 2

What are the interest rates on Leverage.ph business loans?

Accepted Answer

Leverage.ph discloses all interest rates, fees, and total cost of borrowing in a formal Disclosure Statement before you sign — in full compliance with the Truth in Lending Act (R.A. 3765). Rates are competitive and risk-based, determined by your business profile and loan tenor. There are no hidden fees, no prepayment penalties, and no surprise charges. Contact us or use our online Loan Estimator for a personalized rate indication.

Question 3

How fast is the loan approval process at Leverage.ph?

Accepted Answer

Leverage.ph delivers a credit decision within 24 hours of receiving a complete application and required documents. Our Precision Risk Engineering model evaluates your application holistically — analyzing cash flow, industry performance, and business history — enabling us to move faster than traditional banks without compromising underwriting quality. Once approved, loan disbursement is processed promptly.

Question 4

Does Leverage.ph offer no-collateral SME loans in the Philippines?

Accepted Answer

Leverage.ph offers flexible collateral structures for qualified SME borrowers. Certain loan products — particularly working capital loans — do not require hard collateral for businesses with strong cash flow documentation and business history. Our Precision Risk Engineering approach allows us to underwrite based on business performance, not just assets. Collateral requirements, if any, are fully disclosed upfront during the application process.

Question 5

Is Leverage.ph a legitimate and SEC-registered lending company in the Philippines?

Accepted Answer

Yes. Leverage.ph is operated by MicroGroup Lending Corporation, a duly registered and regulated lending company in the Philippines. Our credentials: SEC Registration No. CS201516947 and Certificate of Authority (CA) No. 1751, issued by the Securities and Exchange Commission. We are fully compliant with R.A. 9474 (Lending Company Regulation Act of 2007) and the Truth in Lending Act (R.A. 3765). Our office is located at Unit 3D, Cypress Garden, VA Rufino St., Legazpi Village, Makati City.

Type	Recipient	Subject	App Ref	Status	Sent
Status	michellemagaoay09@gmail.com	Your application is now under review — Leverage.ph	6aaa002a	Unread	Sep 16, 2026 2:34 AM
Status	rizzapalawan@gmail.com	Your application is now under review — Leverage.ph	6a8d5519	Unread	Aug 25, 2026 8:41 AM
Status	francisdolojan@gmail.com	Your application is now under review — Leverage.ph	69de93db	Read	Apr 14, 2026 7:23 PM
Status	francisdolojan@gmail.com	Your application is now under review — Leverage.ph	69de93db	Read	Apr 14, 2026 7:23 PM

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