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Access the funds you ​need to grow

Quick, easy, and secure funding at your fingertips.

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Loans for every business

Select the loan option that meets your needs. With your application reaching multiple lenders, you ​have the power to choose the lender that fits you best.

Smiling Small Business Owner Pays Supplier

Pay Supplier

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

Smiling Small Business Owner Pays Staff

Pay Staff

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

Small Business Owner Smiling

Buy Inventory

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

Smiling Small Business Owner Buys Equipment

Buy Equipment

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

Small Business Owner Buys Property

Buy Property

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

Smiling Small Business Owner Acquires Refinance Loan

Refinance Loan

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

Smiling Small Business Owner Gains Working Capital

Working Capital

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

Small Business Owner Smiling

Others

Looking for something else? We also support other loan types like Invoice or PO Financing, Sangla OR/CR, and Property Title Loans.

LOAN UP TO
₱20M OR MORE

LOAN UP TO

₱20M OR MORE

POWER YOUR ​BUSINESS AMBITIONS

Access funding from Php 300,000 or more ​to support your growth initiatives, manage cash ​flow, or invest in new opportunities.

To apply for a business loan, we need:

Minimum of 1 year trading history
1 year of financial statements and Income Tax Returns
At least 6 months of bank statements
Business Registration (GIS or DTI)
Business Permit
One valid primary ID
Apply for a business loan

“As an IT services company, we don’t have a lot of hard assets to use as collateral. That made it very difficult to secure financing. We approached five banks and only one gave us a line of credit, with high interest rates. Kredit Hero changed that. With just one application, we received multiple loan offers and finally had flexible options to manage our liquidity. They understand the unique challenges of asset-light businesses like ours and makes funding more accessible.”

IT Service Provider, Taguig, Philippines

MAKE THE PERFECT LENDER MATCH

Our AI analyzes your loan application and uses a special score called K-Score. This helps ​lenders quickly respond to applications, so you can find the right lender quickly!

YOUR EASY GUIDE TO APPLY

YOUR QUESTIONS, ANSWERED!

How much can I borrow?​

Small to medium-sized businesses can borrow anywhere from ₱300,000 to ₱100 million. 

The maximum amount small to medium businesses can borrow will be determined by several factors, including the solution you choose, your Kredit Hero score (K-Score), and the lending appetite of the lenders we match you with.

To apply for a business loan, 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 6 months of bank statements.
Business Registration: Valid business registration document (e.g., GIS or DTI), not under individual status.
Business Permit
Valid ID: One valid primary ID
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.
To view your applications, log in to the Kredit Hero app. Click on the Applications tab to see your submitted applications and their corresponding statuses.

You may also email us at ask@kredithero.com for your concerns and enquiries.
Sign up and fill out our online application here. You may also visit our website at www.kredithero.com and click ‘Get Started‘.

Please prepare the following requirements to submit:
  • At least 1 full financial year of AFS and ITR
  • Minimum of 3 months of bank statements (ideally 6)
  • Business Registration (e.g. GIS or DTI)
  • Business Permit
  • One valid ID
We’ll process it and match your request with lenders most likely to approve it. You may receive multiple offers to choose from. Once you’ve decided on the best option, we’ll connect you directly with the lender for final paperwork and fund disbursement.
No, a registered business is required to apply. Lenders require business registration documents to assess your eligibility and process your loan application.
K-Score is Kredit Hero’s proprietary credit scoring model designed to assess the creditworthiness of SMEs with precision and efficiency. Powered by advanced AI and data analytics, K-Score analyzes a business’s financial health, history, and risk profile to deliver an accurate, real-time credit score.

This helps lenders make faster, more informed decisions while giving SMEs a fair chance at securing the right loan for their growth.