How to Get a Business Loan Easily

Get the funds to grow your business.

Kredit Hero can match you to lenders for almost any business related loan

Requirements

Turn your goals into achievements with the right funding. Unlock growth, enhance operations, and transform your vision into success.

LEARN MORE

Audited Financial Statements

Income Tax Return

Bank Statement

Business Registration Document

Primary IDs

Many types of loans to suit all needs

We are a business loan marketplace providing a variety of financing options to meet different needs

Working Capital

Short-term finance for operational expenses and to maintain a positive cash flow.

Buy Equipment

Finance for business equipment or vehicles, secured by the asset.

Pay Supplier

Short-term financing to cover supplier payments and keep your supply chain steady.

Buy Property

Finance for commercial, industrial, or rural property. Owner-occupied or tenanted.

Pay Staff

Short-term credit to cover payroll expenses, repaid by next payroll.

Refinance loan

Restructure or consolidate existing loan facilities in good standing, for a better deal.

Buy Inventory

Revolving credit for vehicle and equipment dealers, secured by your inventory.

Other

Other business loan needs

Small loans up to
₱200,000

for micro business

All loans from
₱300,000 to ₱20 million+

for small to medium businesses

No fees

to borrowers

How to prepare your loan application

How much can I borrow?

What are the application requirements?

To create a business loan application, we require the following documents:

Trading History: Minimum of 1 year of trading history.
Financial Documents: At least 1 full financial year of Audited Financial Statements (AFS) and Income Tax Returns (ITR).
Bank Statements: Minimum of 3 months of bank statements.
Business Registration: Valid business registration document (e.g., GIS or DTI), not under individual status.
Valid ID: One valid primary ID.
Age Requirement: Business owner(s) must be at least 18 years old.

For micro loans, the following additional documents are required:

Valid ID
Business Permit or Barangay Certificate
Selfie: A selfie taken within your store

Please note that some business loan solutions may have specific requirements (e.g., an invoice for equipment being acquired), and lenders may have additional requirements. These will be communicated after you have submitted your application and a lender has assessed it.

What is the application process?

1. First, identify whether you are a micro business or a small to medium business.

For micro businesses, fill out the application form here (linked to the landing page).
Ready the following documents to upload in the application form:

Valid ID
Business Permit or Barangay Certificate
Selfie: A selfie taken within your store

For small to medium businesses, sign up and create a profile in our Borrower Portal. Click here to get started.
Complete your application by providing the following documents:

Trading History: Minimum of 1 year of trading history.
Financial Documents: At least 1 full financial year of Audited
Financial Statements (AFS) and Income Tax Returns (ITR)
Bank Statements: Minimum of 3 months of bank statements.
Business Registration: Valid business registration document (e.g., GIS or DTI), not under individual status.
Valid ID: One valid primary ID.
Age Requirement: Business owner(s) must be at least 18 years old.

2. Once you have submitted your application, we will review it, format it according to lenders’ standards, and match your request with suitable lenders interested in your profile. If we identify any issues, we will notify you promptly so you can resolve them.

Lenders have a limited timeframe to evaluate the opportunities presented. If they find your application suitable, they will make you an offer. Depending on the interest from lenders, you may receive multiple offers to choose from. Review these offers, select the one that best suits your needs, and proceed with the next steps to secure your funding.

How do I check the status of loan application?

When can I access the funds?

Let’s See How it Works

Get perfect matches with a K-Score

Submit

Borrower submits application and supporting documents

Analyse

Kredit Hero uses advanced machine learning and generative AI models to structure, analyse, validate and enrich data

Score & Match

Kredit Hero overlays proprietary risk scoring models (K-score) that enable lenders to rapidly respond to matched application

Get started with your business loan today

Apply to multiple lenders with a single application. Save time, compare offers, and find the right loan to grow your business—all on one simple platform.

Let’s Get You Started

Get the funds to grow your business.

Let’s Get You Started

Requirements

Many types of loans to suit all needs

Working Capital

Buy Equipment

Pay Supplier

Buy Property

Pay Staff

Refinance loan

Buy Inventory

Other

Small loans up to ₱200,000

All loans from₱300,000 to ₱20 million+

No fees

Let’s Get You Started

How to prepare your loan application

How much can I borrow?

What are the application requirements?

What is the application process?

How do I check the status of loan application?

When can I access the funds?

Let’s See How it Works

Get started with your business loan today

Let’s Get You Started

Small loans up to
₱200,000

All loans from
₱300,000 to ₱20 million+