Working Capital Loan

Working Capital Loan is used to fund day-to-day needs of your company.
  • Short-term loan – if you have a 1- time need for a loan, this will be suitable for you. This loan is to be paid in 1 year or less.
  • Credit line - this is applicable to a recurring need for a loan for a series of funds requirement to finance inventory or receivables or other working capital requirement based on your business cycle. Your credit line will be available to you for drawing within a year. This loan may be re-availed.
  • Export finance – this loan is designed for exporters for pre- and post-shipment financing requirements. Through this loan, we will fund the cost to manufacture your export products or provide finance while awaiting collection of your export receipts. A Purchase Order (P.O.) or Letter of Credit (L.C.) evidencing the order from your buyer must be submitted to us to avail of this loan.
  • Post-Dated Check Discounting – Submit the PDCs of your customers to us together with Delivery Receipt, and we will grant you a loan amounting to the equivalent value of the PDCs. You will only be charged interest up to the date of the Post Dated Check.
  • Inventory Financing with Trust Receipt (IFTR) – this loan is for payment to your suppliers. Submit to us the invoices from your suppliers together with the Delivery Receipt, and we will pay them directly. Purchases qualified for this loan are those for inventory build up.
  • Letters of Credit with Trust Receipt (LCTR) - this is used for both domestic and international trade transactions usually for the purchase of raw materials and supplies. Our wide network of correspondent foreign banks will assure you that we can reach your supplier both local and foreign.
    • Domestic LCTR – for suppliers within the country
    • Import LCTR – for suppliers outside the country

Applying is simple and easy, just submit the following:
  1. SEC Papers, Articles of Incorporation, By-Laws and latest General Information Sheet
  2. List of top customers and suppliers with contact information
  3. Bank Statements from the last 6 months
  4. Collateral documents
    • If real properties, please submit copy of TCT, Tax Declaration, lot plan and vicinity map
    • If machinery, please submit copy of sales contract, purchase order and brochure

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