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Frequently Asked Questions

Kredit Hero, Inc. is an AI credit marketplace dedicated to helping small and medium-sized businesses access funding quickly and efficiently. Our platform connects SMEs with trusted lenders, making the loan application process seamless through advanced technology.

When you apply through Kredit Hero, you get end-to-end, white-glove support that makes accessing business capital faster and easier. We don’t just process your application, we strategize and negotiate on your behalf to help you secure the most competitive loan terms tailored to your business needs.

No, Kredit Hero is not a lender. We are an AI-powered platform that analyzes and matches SME loan applications with suitable lenders. Our technology helps SMEs secure fast and cost-efficient loan agreements by connecting them with the right lending partners.

Yes, Kredit Hero has a borrower fee of 3% that is only charged after your loan is successfully approved and released.
This fee covers our white-glove service: from connecting you with multiple lenders and using AI to accelerate your application assessment, helping lenders make faster decisions, to assisting with documentation and negotiating the best possible loan terms for you.

You can also cut your service fee in half (only 1.5%) through our Fee Saver Program by referring 5 qualified SMEs to Kredit Hero. To qualify, your referrals must be new to Kredit Hero and able to submit the basic business requirements for financing eligibility, such as:

– At least 1 full financial year of AFS and ITR
– Minimum of 6 months of bank statements
– Business Registration (e.g. GIS or DTI)
– Business Permit
Yes, absolutely! For every successful referral, you’ll receive 1% of the released loan amount. Check out our Referral Program to learn more about how it works and what’s required.

To apply for a business loan, here are the requirements:

  • At least 1 full financial year of AFS and ITR
  • Minimum of 6 months of bank statements
  • Business Registration (e.g. GIS or DTI)
  • Business Permit
  • One valid ID
No, a registered business is required to apply. Lenders require business registration documents to assess your eligibility and process your loan application.
It depends on the lender and the loan type. Some lenders may require a guarantor or co-maker.

It’s up to you! You can choose between a secured loan (with collateral) or an unsecured loan (without collateral/clean loan). We’ll match you with lenders based on your needs and preferences.

Requirements vary by lender and depend on the type or purpose of the loan, and its terms. Though the good news is, when you apply through Kredit Hero, you’ll get a dedicated account manager to guide you through the process and help you find the best loan options.
Simply submit your loan application on our platform. 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.

And don’t worry, you’ll have a dedicated account manager to guide you every step of the way.
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.
Yes! And the best thing is you don’t need to upload your documents again because they’re saved in your Kredit Hero account. This makes reapplying quick and hassle-free for you.

Our office is located at:

Unit 915, High Street South Corporate Plaza Tower 1, 26th St. cor. 9th Ave., Bonifacio Global City, Fort Bonifacio, Taguig City, 1634, Metro Manila, Philippines
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.
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