PHP31 business lenders in the Philippines, compared side by side: 14 banks and 17 non-bank lenders covering working capital, corporate, project and venture debt, with listed loan sizes from ₱250K to ₱30B. Updated September 2026 from regulator registers and lender disclosures.
Built for owners, founders and finance teams of small and mid-sized Philippine companies: filter by lender type, loan type and amount, then export a PDF shortlist of the lenders that fit.
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Philippine lending provider offering business loans.
Philippines-focused alternative capital provider offering mezzanine/growth financing for SMEs.
Philippine financing company serving MSMEs with a broad set of loan products.
A Philippine bank offering a broad range of corporate financing solutions.
Universal bank offering corporate loans, working capital, and project finance solutions
SME-focused bank offering lending and financial services for growing businesses.
Philippine bank providing corporate banking, trade finance, and credit facilities.
International corporate bank serving large companies with banking and financing solutions.
Philippine financing company focused on MSME loans and credit solutions.
Philippine financing company providing SME and business loan solutions.
SME-focused financing platform providing business loans.
Venture debt lender providing debt capital to VC-backed venture and growth-stage companies.
Private credit platform focused on emerging-market lending.
International bank providing corporate & investment banking services.
Venture lending platform providing venture debt to high-growth, venture-backed companies.
Philippine government bank providing corporate lending and credit facilities.
Debt finance provider supporting fintech lenders across frontier and emerging markets.
Universal bank offering business loans, term financing, and SME banking solutions.
Universal bank offering business loans and credit facilities for SMEs and corporates
Global banking group providing corporate banking and financing solutions for companies.
Philippine lending provider offering business loans.
Global Japanese banking group providing corporate and investment banking loans and solutions.
SME lender in the Philippines offering fast, flexible growth financing.
SME lender in the Philippines providing business loans.
Philippine finance company offering consumer and business loans.
Universal bank providing business banking, corporate lending, and trade finance solutions.
Private credit firm providing mezzanine and structured capital to businesses.
Universal bank offering a range of business loans and working-capital facilities.
Universal bank providing business banking, lending, and digital finance services.
A modern platform offering flexible capital solutions for high-growth companies, focusing on revenue-based financing.
SME lender providing flexible business loans to Filipino entrepreneurs.
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Disclaimer
Information provided in this directory is for educational and informational purposes only and may not reflect the most current loan terms or eligibility criteria. Alehar Advisory is not a lender, broker, or financial institution and does not guarantee approval. Please verify all details directly with the financial institution before applying.
Most Philippine companies fund working capital and growth through five kinds of lenders. Which one fits depends on how fast you need the money, what security you can offer, and what the facility may cost.
Universal and commercial banks, along with smaller savings banks (thrift banks), supervised by the Bangko Sentral ng Pilipinas. They offer the lowest rates and the widest product range, but expect conservative underwriting: audited financials, collateral for most facilities, and the slowest approvals.
Registered with the SEC under the Financing Company Act (RA 8556), these lenders fund equipment, receivables and working capital for companies that banks turn away or serve too slowly, usually at mid-market loan sizes and higher rates than banks.
Also SEC-registered, under the Lending Company Regulation Act (RA 9474). They serve smaller, shorter-term loans and generally decide faster than banks or financing companies.
These lenders decide based on cash flows, bank statements and receivables rather than hard collateral. Rates are higher than banks charge, but decisions arrive in days rather than months.
Government-linked and development banks run dedicated programs for MSMEs, agriculture and exporters, often at below-market rates for qualifying borrowers.
When a bank caps or declines a credit line, Philippine companies typically turn to cash-flow lenders, receivables and invoice financiers or, for larger amounts, mezzanine and private credit providers. Cash-flow lending sizes a facility on demonstrated collections rather than collateral, which suits services companies and distributors with few fixed assets.
The trade-off is price: non-bank loans usually cost several percentage points more than bank loans, in exchange for speed and a higher chance of approval. Filter the directory above by non-bank lenders to compare their loan sizes and financing types side by side.
Mix at least one bank with one or two non-bank lenders, so you can weigh pricing against speed and collateral demands. Export the PDF shortlist to align your team before reaching out.
Lenders move faster when audited financials, interim numbers, bank statements and an aging of receivables are ready before you approach them. One consistent pack also keeps the offers comparable.
Weigh security and personal guarantees, covenants, fees and prepayment terms alongside the headline rate. The cheapest quote is not always the cheapest loan.
If you want an experienced team to prepare the pack and run the process with lenders, that is what our debt advisory work covers. Learn more about our Raising Equity or Debt service.
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