.
In line with our triple bottom line (3BL) strategy and our commitment to environmental sustainability, FSSI is opening new loan windows to help NGOs, cooperatives, and social enterprises adopt solar energy and enable them to re-lend affordable rooftop solar loans to their members or employees, using FSSI capital to expand access to renewable energy.
Our financing products are coupled with training and capacity building opportunities for enterprise growth.
Solar Access Term Loan (SATL)
The Solar Access Term Loan (SATL) supports the adoption of renewable energy by NGOs, social enterprises, and cooperatives. Mission-aligned and designed to reduce barriers, it features light documentation, minimal collateral requirements, and terms tailored to the partner’s cash flow. This flexible and impactful facility encourages savings to be reinvested and expands community access to clean energy. Scalable by design, SATL can finance both pilot projects and institution-wide renewable energy rollouts.
| Features | Description |
| Purpose | To finance capital expenditures for NGOs, Coops, and SEs adopting solar energy for institutional cost reduction, resilience, or community benefit |
| Target partners | NGOs, cooperatives, and social enterprises registered with SEC or DTI |
| Amount | Up to Php10 million for the first loan (can be renewed up to Php 40 million) |
| Type of financing | Loan |
| Maturity | Up to 5 years, depending on project design and cash flow |
| Repayment term | Monthly/quarterly/semi-annual aligned with cash flow |
| Interest rate | 7% – 12% per annum depending on risk rating and availability of collateral |
| Collateral Options | Time deposits, government securities, guarantees Real estate, vehicles, equipment Receivables, inventory, corporate stocks & bondsJoint and Several Suretyship (JSS) |
| Collateral | JSS with SALN; Receivables financing; deposits; CHM; REM |
| Disbursement | Tranche-based (mobilization, procurement, mid-installation, completion) |
| Eligibility | SEC, DTI, or CDA-registered NGO, cooperative, 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 |
Solar Relending Access Fund (SRAF)
The Solar Relending Access Fund (SRAF) brings clean energy within reach of low- to middle-income households by using familiar lending structures. Its tranche-based system allows gradual, performance-based growth, while its mission-driven design delivers both energy access and cost savings to grassroots communities.
| Features | Description |
| Purpose | To enable cooperatives and NGOs to re-lend affordable rooftop solar loans to their members/employees, using FSSI capital to expand access to clean energy |
| Target partners | Cooperatives, NGOs with existing lending capacity to members |
| Amount | Up to Php10 million for the first loan (can be renewed up to Php 40 million) |
| Type of financing | Loan |
| Maturity | Up to 5 years, depending on project design and cash flow |
| Repayment term | Monthly/quarterly/semi-annual aligned with cash flow |
| Interest rate | 7% – 12% per annum depending on risk rating and availability of collateral |
| Collateral Options | Time deposits, government securities, guarantees Real estate, vehicles, equipment Receivables, inventory, corporate stocks & bondsJoint and Several Suretyship (JSS) |
| Collateral | JSS with SALN; Receivables financing; deposits; CHM; REM |
| Disbursement | Project Pipeline/Tranche-based (initial Php 5Million, next tranche after 80% utilization with good repayment) |
| Eligibility | SEC, DTI, or CDA-registered NGO, coop, or social enterprise Must have an active member lending program with at least 3-year track record Must have internal collection mechanisms (e.g., salary deduction, share offset) Willingness to comply with FSSI’s reporting, monitoring, and impact tracking |
To apply or inquire about FSSI Solar Loans, you may contact Daniel Racoma, FSSI Project Officer for Solar Financing Project, at daniel.racoma@fssi.com.ph or 0906 292 7769.
Alternatively, you may join our info sessions to know more about FSSI’s financial investments and how we can support your enterprise. Sign up through https://fssi.com.ph/sign-up/ and our team will reach out to you.
FSSI also offers loans for near-small to small solar energy enterprises (SSEEs) Loans for working capital, equipment, or other capital needs. Learn more at https://fssi.com.ph/power-up-your-solar-enterprise-through-fssis-solar-loans/
