The Foundation for a Sustainable Society, Inc. (FSSI) is a non-stock, non-profit organization that offers financial and non-financial products and services to social enterprises with people, planet and profit objectives, also known as the triple bottom line (3BL).
People
The economic participation of marginalized sectors in social enterprises and value chain.
Planet
The sustainable management of local ecosystems and development of climate change adaptation, mitigation, and disaster risk reduction mechanisms.
Profit
The sustainable production of
commodities and development
of local values chains.
Governance
Sound Management
Participation
Gender and Development
Community Improvement
Environmental-Compliance
Environmental Management
Margin
Return
Stability
Our programs aim to develop sustainable local communities through 3BL strategy.
OUR PRODUCTS AND SERVICES
LOAN
Supports credit-ready enterprises to grow their business
Loan amount:
Up to Php 40 million
Types of financing:
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1. Credit line
- Supports working capital requirements which can be drawn when needed and amortized based on the expected operating cash flow.
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2. Term loan
- Supports business expansion that requires acquisition of additional assets or on improving system and operation which are needed to accelerate growth. Loan amount can be released based on pre-set schedule and amortized based on the short-term or medium-term operating cash flow of the enterprise.
Interest rate:
0.58% to 1.13% per month; subject to credit evaluation and based on diminishing balance; fixed for the entire loan term
*No processing fees or other fees except for short-term financing of less than 6 months
Term:
Up to 5 years, depending on business projection and cash flow
Collateral:
Real Estate Mortgage, Chattel Mortgage, and others
Loan windows:
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1. Enterprise Loan
- Aims to support SMEs in general. Loan purposes can vary from acquiring assets, new equipment, building construction, building/plant improvements, opening new location, launching new product/services and additional working capital.
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2. Agro-enterprise Loan
- Aims to support agriculture-based SMEs especially those that support local value chain. Loan purpose can vary from acquiring assets, new equipment, building construction, building/plant improvements, opening new location and launching new product/services and additional working capital.
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3. WSE Loan
- Aims to support women social enterprises. Loan purpose vary from acquiring assets, new equipment, building construction, building/plant improvements, opening new location and launching new product/services and additional working capital.
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4. PO Financing /Bridge Financing
- Aims to support working capital requirements particularly to finance delivery of purchase orders and receivables. Loan is packaged as credit line which the enterprise can draw from during a set validity period.
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5. Wholesale Loan for Agri-Credit
- Aims to support cooperatives, microfinance NGOs and other lenders that cater to credit needs of producers in the agri sector. Loan purpose is for lending to individual producers of agriculture and aquaculture commodities.
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6. Wholesale Loan for Microfinance
- Aims to support cooperatives, microfinance NGOs and other lenders that cater to credit needs of micro-entrepreneurs. Loan purpose is either for individual or group lending.
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7. Business Rehab Loan
- Aims to support recovery of business operations that was affected by natural calamities or health emergencies. Loan purpose, in general, can either be for working capital or fixed asset acquisition.
Target partners
Registered cooperatives, NGOs, People’s Organizations, and SMEs with at least 3 years operation
EQUITY
Invested in SEs to support them in creating positive impact on marginalized communities and operating business innovations that supports environmental management and conservation in exchange for a share of ownership.
Amount:
Up to Php 40 million
Term:
Based on business design and proposed term sheet
Target partners:
SEs with innovative business ideas that are in the scaling stage of development whether new or expansion
DEVELOPMENTAL DEPOSIT
Invested in secondary cooperatives and rural banks in the form of time deposits which are made available to support cooperatives and other social enterprises.
Target partners:
Secondary cooperatives and rural banks
FUND SYNDICATION
Participation in co-investment arrangements with other impact investors that aim to achieve particular social or environmental impact in a particular geographic area or particular social sector or group. Investments can be provided in the form of loan, equity, or developmental deposits.
Target co-investors:
Impact investors
Target partners:
Social enterprises, in general
SEED CAPITAL
Invested in start-up SEs to support them in acquiring business resources necessary to attain their next milestone.
Purpose:
Working capital, expansion, PO-financing, purchase of equipment/property, launch innovative solutions
Tier 1:
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Loan amount:
- Up to Php 500,000
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Interest rate:
- Zero interest, 1% service fee
Tier 2:
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Loan amount:
- Up to Php 1 million
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Interest rate:
- 7% interest, no service fee
Target partners:
Social enterprises that aim to reduce poverty and/or protect the environment in specific location; with track record of at least one (1) year in operation at the time of proposal submission; asset level of below Php 5 million; registered and has business permit
WOMEN SE START-UP FINANCING
Invested in start-up women SEs to support them in acquiring business resources necessary to attain their next milestone.
Purpose:
Working capital, expansion, PO financing, purchase of equipment/ property, launching innovative solutions
Tier 1:
-
Loan amount:
- From Php 300,000 up to Php 500,000
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Interest rate:
- Zero interest; 1% service fee
Tier 2:
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Loan amount:
- From Php 300,000 up to Php 1 million
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Interest rate:
- 7% interest; no service fee
Target partners:
Social enterprises established by women with sound business proposal, supported by another institution preferably a member organization of FSSI; enterprise must be operating for less than a year; has an equity of at least 50% from the requested amount, either working capital or fixed asset; asset level of below Php 5 million; registered with business permit
SOLAR ENTERPRISE FINANCING
Offered to near-small to small solar energy enterprises – working capital, capital expenditures, and other expenses
Amount
- Up to Php 1 million for early-stage solar energy enterprises (less than 2 years operation)
- Up to Php 3 million for emerging solar energy enterprises (2 years but less than 3 years in operation)
- Up to Php 10 million for mature solar energy enterprises (3 years and more in operation)
Loan Windows
- Solar Installer Term Loan
- Solar Installer Revolving Credit Line
- Solar Installer Project-Based Loan
Loan Types
Credit Line
Reusable within the approved limit and validity period
Term Loan
Released as a lump sum or in tranches
Interest Rate
0.58% to 1.13% per month, fixed for the loan term and based on diminishing balance; no processing fees except for short-term loans under 6 months
Maturity
Up to 5 years, depending on projected business cash flow
Collateral Options
- Time deposits, government securities, guarantees
- Real estate, vehicles, equipment
- Receivables, inventory, corporate stocks & bonds
- Joint and Several Suretyship (JSS)
Payment Terms
Monthly, quarterly, semi-annual, or lump sum — aligned with business cycles
Target Partners
Registered solar energy enterprises with at least 1 year of operations, 3 years of solar verifiable activities, and compliance with FSSI’s 3BL criteria; must have at least 1 signed contract or PPA/ lease agreement or MOA (as applicable), or confirmed pipeline
Offered to NGOs, Cooperatives, Social Enterprises to adopt solar energy and enable them to re-lend affordable rooftop solar loans to their members or employees, using FSSI capital
Amount
Up to Php 10 million for the first loan; can be renewed up to Php 40 million
Loan Windows
Solar Access Term Loan
Solar Relending Access Fund
Loan Types
Credit Line
Reusable within the approved limit and validity period
Term Loan
Released as a lump sum or in tranches
Interest Rate
0.58% to 1.13% per month, fixed for the loan term and based on diminishing balance; no processing fees except for short-term loans under 6 months
Maturity
Up to 5 years, depending on projected business cash flow
Collateral Options
- Time deposits, government securities, guarantees
- Real estate, vehicles, equipment
- Receivables, inventory, corporate stocks & bonds
- Joint and Several Suretyship (JSS)
Payment Terms
Monthly, quarterly, semi-annual, or lump-sum–aligned with business cycles
Target Partners
- SEC, DTI, or CDA-registered NGO, coop, or social enterprise
- At least 3 years of operations with documented solar or energy-related need (electricity bill for savings)
- Must have viable facility/project site (owned or long-term leased)
- With internal approval/resolution to adopt RE system
- Willingness to comply with FSSI’s reporting, monitoring, and impact tracking
IMPROVED 3BL PERFORMANCE
Access to resources on adopting and improving triple bottom line or 3BL
BUSINESS DEVELOPMENT
Access to latest innovations on industry and business, environmental management, and gender and development.
Who are eligible to apply for our products and services?
Social enterprises which has people, planet and profit objectives, which take the form of either the following:
- Cooperatives
- Microfinance NGOs
- NGOs and POs
- Corporations
- Partnerships
- Sole proprietorships
Apply now
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