Financing Programs Loans and Financing Programs for Micro, Small and Medium Enterprises

Wholesale Lending Window for Graduating Micros and BMBEs

Sub-Borrower Definition:

• With asset size of not more than P3.0 Million; and
• Total loans inclusive of the PFI's is not more than P500 Thousand.

Consideration Granted on the Sub-borrower:

• May be on clean basis in terms of collateral cover
• Any valid permit will suffice as business registration
• Financial information simply based on the certification of the PFI will suffice, in the absence of full financial statements

Wholesale Microfinance Program

A lending facility of Small Business Corporation to microfinance institutions (MFIs) which have the organizational capability or strength to provide sustainable credit access to borrowers in the livelihood sector.

Target End-Borrowers: Pre-enterprise micros, which are either startup or graduating micros

Type of Facility: Credit Line

MFI Employees Loan Facility

Program Objectives: To augment the MFI's employees' income by financing MFI's loan program for them, thereby supporting the government's efforts to reduce widespread poverty in the country

Eligible Borrowers:

• PCFC to MFI - accredited MFI partners
• MFI to Borrower MFI employees (priority to microfinance program staff)

Micro-Housing Loan Facility

Program Objective: To support the government's effort to improve the quality of life of the poor thru financial assistance for housing improvement such as house repairs, renovation or expansion.

Eligible Borrowers:

• PCFC to MFI - accredited MFI partners
• MFI to Borrower - Low Income families in urban and rural areas

Micro-Energy Credit Program

Program Objectives: To support reforms and priority investments to improve the quality of life in rural areas through the provision of adequate, affordable and reliable energy services specifically the small-scale renewable energy solar home system/solar lanterns. The program is operationalized in partnership with viable microfinance institutions