EFI has been providing funding solutions to SMEs.
CUSTOMERS that are being supported by EFI.
EMPLOYEES of EFI that serve the needs of our customers.
Subject to complete requirements and credit assessment.
| Feature | EFI Business Loan |
|---|---|
| Loan Type | Non-collateral business financing |
| Loan Amount | Starting from ₱50,000 up to ₱10 million for qualified businesses |
| Designed For | Filipino entrepreneurs, SMEs, and established businesses |
| Collateral required | No property or asset collateral required |
| Business Age | Generally at least one (1) year of business operations |
| Common uses | Working capital, inventory, expansion, supplier payments, operations, and bridge financing |
| Application Fee | None |
| Credit decision | Fast credit decision, subject to complete requirements and credit assessment |
| Availability | Philippines |
| Provider | Esquire Financing Inc. |
Bridge. Build. Buy.
Every business needs capital for different reasons. Esquire Financing Inc. (EFI) provides non-collateral business loans for qualified Filipino SMEs that need financing to manage short-term cash flow, invest in business growth, or fund essential business purchases.
Keep your business moving.
Manage short-term cash flow requirements while waiting for receivables, customer payments, or other expected business income.
An EFI business loan can provide qualified SMEs with additional working capital to help cover operational requirements such as payroll, supplier payments, recurring expenses, or temporary cash flow gaps.
Common financing needs:
Working capital · Cash flow gaps · Payroll · Supplier payments · Receivables
Invest in your next stage of growth.
Access additional business financing to support expansion and long-term growth opportunities.
Qualified businesses can use an EFI business loan to open a new location, expand operations, hire additional employees, improve business capabilities, or invest in projects that can help the business grow.
Common financing needs:
Business expansion · New locations · Additional employees · Operational growth · Business improvements
Fund what your business needs next.
Access capital for purchases that help your business meet demand, fulfil orders, and continue operating effectively.
Business financing can support inventory purchases, raw materials, supplier requirements, equipment, and other essential business purchases—helping SMEs take advantage of opportunities without putting growth plans on hold.
Common financing needs:
Inventory · Equipment · Raw materials · Supplier payments · Larger customer orders
Business loan requirements help lenders verify your identity, business operations, and financial capacity.
Depending on your business structure and application, EFI may require documents including:
Requirements may vary depending on whether your business is registered as a sole proprietorship, partnership, or corporation. Preparing complete and accurate documents can help avoid delays during the business loan evaluation process.
About Business Loans in the Philippines
Browse all FAQsThere are 2 ways to apply for our loans with no collaterals.
Fill out our online application form here and wait for SMS and/or email confirmation, this will contain next steps as well.
OR
Apply in any of our offices or accredited sales affiliates and partners nationwide.
To qualify for Esquire's business loans, your business should be duly registered and operational for one year. Additionally, we require either an active bank account or savings account.
You will receive an email and SMS on the results of your application. In addition to that, an EFI Agent will contact you as soon as your business loan has been approved!
Payment is done through submission of post-dated checks (PDCs) on release of the loan. Depending on your loan facility, EFI offers alternative payment options that allow eligible clients to make their business loan repayments through accredited payment channels such as BDO and SwiftPay, without issuing post-dated checks.
The interest rate is determined by the credit committee and varies based on loan requirement, amount and term length. For specific rates, we encourage interested applicants to submit an application.
Yes. Non-collateral business loans allow qualified businesses to access financing without pledging property or other assets as collateral. EFI provides non-collateral business financing to eligible SMEs in the Philippines, subject to credit evaluation and applicable requirements.
SMEs can use business financing for various legitimate business needs, including additional working capital, inventory, supplier payments, business expansion, equipment, operational expenses, and short-term cash flow requirements.
Qualified businesses may apply for EFI non-collateral business financing of up to ₱10 million. The amount ultimately offered will depend on the business’s financial profile, financing requirements, credit assessment, and EFI’s approval criteria.
EFI provides credit decisions in 1 business day or less once the required application information and documentation have been submitted, subject to credit assessment. Actual processing times can depend on the completeness of the application and the circumstances of each borrower.
No. Esquire Financing Inc. focuses on business financing for Filipino entrepreneurs and SMEs. EFI’s financing solutions are intended to support legitimate business and growth requirements rather than personal borrowing.
A collateral or secured business loan requires the borrower to pledge an eligible asset as security. A non-collateral or unsecured business loan does not require an asset to be pledged. Eligibility instead depends on the lender’s assessment of the business and its ability to repay the financing.
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