Non-Collateral Products

Non-collateral loans have no guarantee. We will require the client to provide a co-borrower or a co-maker who will join signatories in the issuance of Post Dated Checks (PDC). The PDC is your mode of payment to the company.

  • Modified Business Loan
  • Cart Franchise Loan
  • Corporate Loan
  • Corporate Fund Rediscounting
  • Doctors Loan
  • Doctors Loan - Equipment Purchase
  • Educational Loan
  • Medical Professional Loan
  • Pensioner's Loan
  • Modified Pensioner's Loan
  • Personal Loan - Land Based
  • Personal Salary Loan

OFW Loan

Documentary Requirements:

  • Copy of Latest Standard Employment Contract with POEA validation
  • POEA Information Sheet (balik manggagawa)
  • Copy of Overseas Employment Certificate (OEC)/ E-Receipt
  • Copy of Passport and Visa
  • Flight Details (first timer)/ Plane Ticket (balik mangagawa)
  • Philippine Arrival Stamp (for re-entry)
  • Marriage Contract (if married); Birth Certificate (if single)
  • Basic Documentary Requirements

Seaman's Loan


  • Minimum salary of Php15k plus guaranteed overtime

Documentary Requirements:

  • Copy of Latest Standard Contract of Employment with POEA validation
  • Copy of Latest allotment slip/ certificate
  • Copy of Passport and Seaman's Book
  • Copy of Seafarer?s Registration Certificate (SRC)
  • Marriage Contract (if married)
  • Basic Documentary Requirements

Business Loan


  • Mayor's Permit to Operate Business
  • Three (3) months latest bank statement with checking account
  • Picture of business
    For Single - Proprietorship:
    • DTI Certificate
    For Partnership/Corporation:
    • SEC Registration
    • Board Resolution to Borrow
    • Secretary's Certificate
    • Articles of Incorporation and By-Laws
    • Updated General Information Sheet (GIS)

* Must be in operations for at least one (1) year

Doctor's Loan


  • Valid PRC ID (or Renewal Stub if expired)
  • Three (3) months latest bank statement/latest Credit Card bill

* For General Practitioners, Ophthalmologists, Dentists, Optometrists, and Veterinarians

Co-Maker or Co-borrower

Non-collateral Loans would require a Co-Maker or Co-borrower. The Co-Maker or Co-borrower must be an immediate relative of the applicant.

The standard requirements for a Co-Maker or Co-borrower are the following:

  • A Filipino Citizen

  • 21-59 years of age upon loan maturity

  • Latest 2x2 picture (3pcs)

  • Photocopy of 2 valid IDs (Company ID, Passport, Driver?s License, SSS, etc.)

  • Proof of Billing (electricity, telephone, water bills)

  • Must have a steady source of income.