Low Interest Capital. For Your Business.
Microloans from ₱20,000 to ₱150,000
for Filipino
micro-entrepreneurs.
Below-market interest rates.
No hidden fees. No harassment.
We exist to give 
Filipino micro-entrepreneurs access to affordable, responsible capital without the fear, the fine print, or the predatory interest rates.
From Application to Funds. Simple.
Apply Online
Fill out a simple eligibility form in 5 minutes. Tell us about yourself and your business. No complicated paperwork.
We Review Your Business
We look at your livelihood, not your credit history. We assess based on your cash flow, not bank statements or asset declarations.
Get Your Funds
Approved loans go directly to your GCash, Maya, or bank account. The full amount. No hidden deductions. No processing fees taken from your principal.
Repay at Your Pace
Flexible repayment through direct debit or GCash. Below-market interest means more of your earnings stay in your pocket.
See Exactly What You'll Pay.
No surprises. No hidden charges. Adjust the amount and term to see your estimated repayment.
Rates shown are Microlender.PH's current below-market lending rates. Final terms are subject to eligibility review. The effective interest rate (EIR) is displayed in compliance with the Truth in Lending Act (RA 3765).
Apply With These TermsCapital That Works for You, Not Against You.
Designed for micro-entrepreneurs who have been overlooked by banks and overcharged by lending apps.
What you need
- One valid government-issued ID
- An active GCash, Maya, or bank account
- Proof of business activity (a photo works)
What you don't need
- Payslips
- Collateral
- Credit score
- Bank statements
- Business permit
Transparent lending
you can trust.
No "5-6" Stress
Forget the cycle of borrowing 5 and paying back 6 from informal lenders. Our interest rates are set below market — significantly lower than what "5-6" lenders and most lending apps charge.
No Hidden Fees
The amount we approve is the exact amount deposited into your account. No surprise charges. What you see in the calculator is what you get.
Transparent & Character-Based
We assess you based on character and cash flow, not credit scores. Our Barangay-First approach means we work with community leaders who know you — building trust from the ground up.
No Contact List Access
We will never access your phone contacts, photo gallery, or personal messages. Your data stays yours.
No Harassment
If you need help with repayment, we talk to you. Professionally and respectfully. No threatening messages. No public shaming.
Transparent lending
you can trust.
No "5-6" Stress
Forget the cycle of borrowing 5 and paying back 6 from informal lenders. Our interest rates are set below market — significantly lower than what "5-6" lenders and most lending apps charge.
No Contact List Access
We will never access your phone contacts, photo gallery, or personal messages. Your data stays yours.
No Hidden Fees
The amount we approve is the exact amount deposited into your account. No surprise charges. What you see in the calculator is what you get.
No Harassment
If you need help with repayment, we talk to you. Professionally and respectfully. No threatening messages. No public shaming.
Transparent & Character-Based
We assess you based on character and cash flow, not credit scores. Our Barangay-First approach means we work with community leaders who know you — building trust from the ground up.
More Than a Loan. An Investment in Community.
Scholarships
School allowances and educational support for children of our borrowers and other financially disadvantaged families.
Charity Partnerships
Direct support to NGOs and advocacy organizations engaged in social entrepreneurship across the Philippines.
Community Reinvestment
Every peso of profit flows back into programs that strengthen the communities our borrowers live and work in.
Capacity Building
Free financial literacy workshops, bookkeeping guidance, and tax compliance support to help micro-entrepreneurs build long-term resilience.
You are not just paying back a loan. You are building a future for someone else's child.
Join the MissionEverything You Need to Know.
Any Filipino micro-entrepreneur or small business owner with an active livelihood. This includes sari-sari store owners, market vendors, food stall operators, small-scale farmers, tricycle and jeepney operators, and anyone in small-scale production or trading. You do not need a payslip, a credit score, or a business permit.
Loan amounts range from ₱20,000 to ₱150,000. The exact amount you qualify for depends on your business type, how long you have been operating, and your estimated cash flow.
Our interest rates are set below market. For comparison, most for-profit lending apps in the Philippines charge between 2% and 7% per month. Our rates are significantly lower because we are a nonprofit social enterprise.
No. We do not require property, assets, or any form of collateral. We use character-based lending — we assess your eligibility based on the cash flow of your business, community leader referrals, and your reputation in your barangay, not on what you own.
One valid government-issued ID. We accept Philippine National ID, Passport, Driver’s License, Postal ID, Voter’s ID, and other government-issued identification. You will also need an active GCash, Maya, or bank account.
Directly to your GCash, Maya, or bank account. The full approved amount is deposited. We do not deduct processing fees, service charges, or any other amount from your principal.
We talk to you. Professionally and respectfully. If you are struggling with repayment, reach out to us and we will work together to find a solution. We do not send threatening messages or contact your family or friends.
Yes. We are fully compliant with the Data Privacy Act of 2012 (RA 10173). We will never access your phone contacts, photo gallery, call logs, or personal messages.
Yes. Social Ventures Association is registered with the Securities and Exchange Commission (SEC). You can verify our registration directly on the SEC website.
Every peso of surplus generated is reinvested into the community. Scholarships, charities, and financial education programs. We do not distribute dividends because we do not have shareholders. We have a mission.
Integrity — doing what’s right, even when it’s not the easiest option. Customer-centricity — every decision is made with our borrowers’ best interests at heart. Transparency — honest and open communication with all stakeholders. Accountability — we take responsibility for our actions and outcomes.
Yes. We provide free basic financial literacy workshops, bookkeeping guidance, and tax compliance support. We strongly encourage all borrowers to complete our business training course to help build long-term financial resilience.
We understand that life happens. Microlender PH offers a grace period policy for borrowers facing temporary difficulties, especially during natural disasters or emergencies. We’ll work with you to find a manageable solution — no threatening messages, no public shaming.