Frequently Asked Questions

Rajan Uttamchandani is the owner and chairman of Esquire Financing Inc., a leading non-bank company, committed to expanding access to business financing for SMEs. Through innovation funding solutions, the company continues to help businesses secure the working capital they need to thrive.

Esquire Financing is a Philippine-based financing company that offers loans without collateral options and business financing solutions tailored for SMEs. Whether you need a new business loan, startup business loan, or additional working capital, Esquire helps businesses access funding with a fast credit decision, hassle-free requirements, non-collateral business loans up to ₱100,000,000 and zero application fees.

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.

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.

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.

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.

There 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.

EFI provides fast credit decisions once the required application information and documentation have been submitted. Actual processing times can depend on the completeness of the application and the circumstances of each borrower.

Esquire Financing Inc. is known for providing fast credit assessments, with approvals available in as fast as one business day for qualified applicants.

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!

The business loan interest rate offered by Esquire Financing varies depending on factors such as loan amount, repayment term, and business qualification. SMEs seeking small loans for business can receive customized loan terms after evaluation. Apply for a loan with us today at www.esquire.com.ph and fuel your dreams.

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.

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.

Your dedicated Loan Specialist will provide updates on your referrals.

Once your referred business is successfully approved and funded, you will earn 1% of the initial loan amount as a commission. It’s a seamless refer and earn program designed for those looking to create passive income without the need for any upfront investment.

None. Esquire Connect is completely free. It’s one of the best referral programs in the Philippines offering a simple and rewarding way to earn by referring without any investment. 

We work with a wide range of SMEs —our goal is simple, it is to fuel the dreams of entrepreneurs across the Philippines.  

Become one of our Ambassadors by filling out the form. Once our application to the program is complete, you will receive an automated SMS and email confirming your application. Once done, wait for our Telemarketing team to get in touch with you for your training and accreditation schedule.

Becoming an EFI Ambassador for Success is FREE. All you have to do is register and attend the training and accreditation.

The duration of the training and accreditation process is around 2-3 hours. The session is a comprehensive discussion of the Ambassador for Success program.

After the training and accreditation, the following will be requested from you:

• Fully filled-out Ambassador for Success form
• 1 valid government-issued ID

Yes, you can refer clients to us without becoming an Ambassador for Success.
Click here to know more about it.