SEC-Registered · CA No. 1751 · Makati City, Philippines
Leverage.ph offers six structured SME loan products engineered for the diverse capital needs of Philippine businesses. All products are evaluated using our proprietary Precision Risk Engineering framework — cash flow, business history, and revenue patterns assessed holistically, not just a bureau score.
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Each product is structured around realistic Philippine SME cash flow profiles. All fees, rates, and terms are disclosed in writing before any agreement is signed.
Working Capital Loans for Philippine SMEs
Designed for Philippine SMEs that need to cover operational expenses such as inventory purchases, payroll, rent, and day-to-day business costs. Our Precision Risk Engineering evaluates your actual cash flow — not just a bureau score — delivering a fair credit decision in as fast as 24 hours.
Loan Range
₱100,000 – ₱5,000,000
Loan Term
3 – 18 months
Decision Time
24–72 hours
SME Business Expansion Loans Philippines
Structured financing for established Philippine SMEs planning to scale operations through new locations, additional equipment, or new market entry. Longer terms and higher amounts to support ambitious but financially sound growth plans.
Loan Range
₱500,000 – ₱10,000,000
Loan Term
12 – 36 months
Decision Time
3 – 5 business days
Invoice Financing for Philippine Businesses
Convert outstanding receivables into immediate working capital. Receive up to 80% of your invoice value upfront, with the balance (less fees) released upon collection. Ideal for B2B businesses with reliable corporate clients. All fees are fully disclosed in writing before disbursement.
Loan Range
₱100,000 – ₱5,000,000
Loan Term
30 – 90 days
Decision Time
24 – 48 hours
Short-Term SME Loans Philippines — 24-Hour Approval
Fast-turnaround financing for Philippine businesses that need capital for a specific, short-term purpose. Ideal for seasonal businesses, urgent opportunities, or bridging a temporary cash position. Precision Risk Engineering means no unnecessary delays — you get a credit decision fast.
Loan Range
₱100,000 – ₱3,000,000
Loan Term
3 – 12 months
Decision Time
24 – 72 hours
Revolving Credit Line for Philippine SMEs
A flexible pre-approved credit facility for established Philippine SMEs with fluctuating capital needs. Borrow up to your approved limit, repay, and borrow again — with interest charged only on the outstanding drawn balance. Transparent fee structure, no hidden charges.
Loan Range
₱250,000 – ₱5,000,000
Loan Term
12 months (renewable annually)
Decision Time
3 – 5 business days
Emergency Business Loan Philippines — Rapid Approval
Prioritized processing for Philippine businesses facing urgent financial situations — equipment failure, supplier deadlines, or disaster recovery. Expedited review timelines are available for documented emergency cases. Rates and all applicable fees are fully disclosed in writing before signing, in compliance with the Truth in Lending Act (R.A. 3765).
Loan Range
₱100,000 – ₱2,000,000
Loan Term
3 – 12 months
Decision Time
Same day – 2 business days
How We Evaluate Your Application
Traditional banks deny qualified SME borrowers because their models rely almost entirely on bureau credit scores. At Leverage.ph, our proprietary Precision Risk Engineering framework takes a fundamentally different approach.
01
We analyze 6–12 months of actual business bank statements to understand your real revenue patterns, seasonality, and operational cash cycles.
02
We evaluate how long you've been operating, your industry sector, and the trajectory of your business — not just a snapshot credit score.
03
Our credit team combines quantitative signals with qualitative context to arrive at a fair, defensible lending decision — typically within 24 hours.
All loan products are subject to credit review, underwriting, and final approval by MicroGroup Lending Corporation. Loan amounts, terms, and interest rates are indicative and subject to change based on individual credit assessment. In compliance with the Truth in Lending Act (R.A. 3765), all fees, charges, and total cost of borrowing are fully disclosed in a written Disclosure Statement prior to loan execution. MicroGroup Lending Corporation is registered with the Philippine Securities and Exchange Commission (SEC Reg. No. CS201516947 | CA No. 1751).