Up to Php 40 million

• 1. Credit line
  • Supports working capital requirements which can be drawn when needed and amortized based on the expected operating cash flow.
• 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.

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

Up to 5 years, depending on business projection and cash flow

Real Estate Mortgage, Chattel Mortgage, and others

• 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.
• 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.
• 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.
• 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.
• 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.
• 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.
• 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.

Registered cooperatives, NGOs, People’s Organizations, and SMEs with at least 3 years operation

Up to Php 40 million

Based on business design and proposed term sheet

SEs with innovative business ideas that are in the scaling stage of development whether new or expansion

Secondary cooperatives and rural banks

Impact investors

Social enterprises, in general

Working capital, expansion, PO-financing, purchase of equipment/property, launch innovative solutions

• Loan amount:
  • Up to Php 500,000
• Interest rate:
  • Zero interest, 1% service fee

• Loan amount:
  • Up to Php 1 million
• Interest rate:
  • 7% interest, no service fee

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

Working capital, expansion, PO financing, purchase of equipment/ property, launching innovative solutions

• Loan amount:
  • From Php 300,000 up to Php 500,000
• Interest rate:
  • Zero interest; 1% service fee

• Loan amount:
  • From Php 300,000 up to Php 1 million
• Interest rate:
  • 7% interest; no service fee

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

• 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)

• Solar Installer Term Loan
• Solar Installer Revolving Credit Line
• Solar Installer Project-Based Loan

Credit Line
Reusable within the approved limit and validity period
Term Loan
Released as a lump sum or in tranches

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

Up to 5 years, depending on projected business cash flow

• Time deposits, government securities, guarantees
• Real estate, vehicles, equipment
• Receivables, inventory, corporate stocks & bonds
• Joint and Several Suretyship (JSS)

Monthly, quarterly, semi-annual, or lump sum — aligned with business cycles

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

Up to Php 10 million for the first loan; can be renewed up to Php 40 million

Solar Access Term Loan
Solar Relending Access Fund

Credit Line
Reusable within the approved limit and validity period
Term Loan
Released as a lump sum or in tranches

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

Up to 5 years, depending on projected business cash flow

• Time deposits, government securities, guarantees
• Real estate, vehicles, equipment
• Receivables, inventory, corporate stocks & bonds
• Joint and Several Suretyship (JSS)

Monthly, quarterly, semi-annual, or lump-sum–aligned with business cycles

• 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