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SME financing

SME financing in the Philippines: 6 ways to fund your business

Purchase order financing, invoice factoring, check rediscounting, revolving credit lines, collateral-based financing and working capital business loans, all from Datung, an SEC-registered lender in BGC.

Financing from ₱30,000 to ₱10,000,000 for established suppliers and distributors. One application, the same 3 things, and we'll match you to the best fit.

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  • Pre-approval usually within about 1 hour
  • Final answer usually within 12 hours
  • No account, nothing to print
  • Just 3 things to apply

Times are during business hours. Applications that come in at night start at 8 AM. Our aim, not a guarantee.

Ways we can fund you

One application. 6 ways to fund your business.

You don't need to pick the right product first. Apply once with the same 3 things, tell us what the money is for, and we'll match you to the best fit.

  • Confirmed orders

    Purchase order (PO) financing

    Funds to buy the goods for a confirmed customer order, so you can say yes to the big one.

    Best for: Distributors, dealers and importers with orders bigger than their cash on hand.

    Learn more about PO financing
  • Unpaid invoices

    Invoice factoring

    Get cash for invoices you've already issued, instead of waiting for your customers to pay.

    Best for: Suppliers whose customers pay in 30, 60 or 90 days.

    Learn more about invoice factoring
  • Post-dated checks

    Check rediscounting

    Turn your customers' post-dated checks into cash now, instead of waiting for them to clear.

    Best for: Wholesalers and distributors holding their customers' PDCs.

    Learn more about check rediscounting
  • Draw, repay, repeat

    Revolving credit lines

    An approved limit you can draw from, repay and draw again whenever the business needs it.

    Best for: Suppliers who restock every month to keep their customers supplied.

    Learn more about revolving credit lines
  • For a higher line

    Collateral-based financing

    Pledge an asset you own as collateral, which can support a higher credit line.

    Best for: Owners ready for a bigger move who have assets to put up.

    Learn more about collateral-based financing
  • Working capital

    Business loans

    A lump sum for inventory, equipment, payroll or your peak season, repaid over 3 to 12 months.

    Best for: Any established business that needs cash to keep moving.

    Learn more about business loans

All 6 start from the same single application.

For some, we may ask to see the checks, purchase order, invoices or collateral papers during review. What we can offer depends on our review of your business.

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Which one fits?

Find the right financing for where your cash is stuck

Most suppliers and distributors have cash tied up in one of a few places: an order they can't yet afford to fill, invoices and checks they're waiting on, or stock they need every month. Start from your situation. If you're not sure, apply anyway and tell us what the money is for.

All 6 start from one application.

Apply in about 10 minutes with 1 valid ID and your last 3 months of bank statements. What we can offer depends on our review of your business.

Apply now

FAQ

SME financing questions

How our financing options work, and how to choose.

What kinds of financing do you offer?

6 kinds: purchase order (PO) financing, invoice factoring, check rediscounting, revolving credit lines, collateral-based financing and business loans. You apply for all of them with the same single application and the same 3 things. You don't need to get the product exactly right: pick the closest one in "What kind of financing do you need?" on the form, tell us what the money is for, and we'll match you to the best fit. For some types, we may ask to see the checks, purchase order, invoices or collateral papers during review. Compare them on our financing options page.

What is the difference between PO financing and invoice factoring?

Timing. PO financing helps before you deliver: it funds the goods for a confirmed customer order. Invoice factoring helps after you deliver: it turns invoices you've already issued into cash instead of waiting for your customer to pay.

What is check rediscounting?

If your customers pay you with post-dated checks (PDCs), check rediscounting turns those checks into cash now, instead of waiting for them to clear. We may ask to see the checks during review.

Can I use collateral to get a higher credit line?

Yes. Collateral isn't required to apply, but if you have an asset you'd like to pledge, it can support a higher credit line. Mention it in your application or tell your credit officer, and we'll explain what we need to see. What we can offer still depends on our review of your business. See collateral-based financing.

How much can I borrow, and for how long?

Financing ranges from ₱30,000 to ₱10,000,000, with terms of 3 to 12 months. We're built for established businesses (typically ₱6M+ in annual sales). How much we can offer depends on our review of your business, including your bank statements and what the money is for.

What interest rate will I pay?

The interest rate and all charges on your loan are disclosed to you in full before you sign, so you can decide with all the numbers in front of you.

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