SME Finance Company for Additional Working Capital

Affordable financing for sustainable SME growth and expansion

Expand your business confidently with the flexible terms of Working Capital Term Note

Rates & Terms

Loan-To-Value

Up to 60% of the appraised value of the collateral property

Collateral Requirement

Real Estate Mortgage

Financing Amount

₱1,000,000 up to ₱15,000,000

Tenor

7 months - 36 months

Interest Rates

1% - 1.25% per month

Repayment Options

Monthly Installment

Platform Fees

5% per financing application

Other Costs

VAT, DST, Appraisal or Inspection Fee, Registry of Deeds Registration Fees, Fire Insurance, and Mortgage Redemption Insurance

Why Working Capital Term Note?

Working Capital Term Note-flexible, secure, and built for long-term SME success!

Seize every opportunity without financial constraints. Investree's working capital term note offers affordable and flexible financing for sustained expansion. Register once and apply anytime!

Unlock substantial capital

Access ₱1,000,000 to ₱15,000,000 for business expansion.

Leverage Extended Tenor and Lower Rates

Enjoy competitive rates as low as 12% per annum with flexible 7-36 month terms, enabling more financial capacity for growth.

Utilize Real Estate Collateral for Security

Use your clean-titled real estate property as collateral, ensuring added security while lowering interest rates.

Higher Approval Rate for Increased Creditworthiness

Improve your creditworthiness, enabling higher loan approval rates and access to larger amounts.

What are the collateral requirements?

Open your business to extended opportunities! Here's a quick guide to eligible real estate collateral you should submit to guarantee a hassle-free application:

Real estate properties with clean titles, including:

Residential Properties (House and Lot, Condominium Units)
Commercial Properties
Mixed-use Properties

The title to the property can be under the individual name of the company’s Beneficial Owner, Shareholders and Officers for third-party Real Estate Mortgage

The property is located in Metro Manila, some parts of South Luzon (Cavite, Laguna, Batangas), and some parts of North Luzon (Bulacan)

Find out if you qualify for Working Capital Term Note

If you've checked all the boxes on our pre-qualification checklist, you're on the right track! Gather your documents, sign up on our platform, and start your application!

Registered business in DTI or SEC for at least 1 year and has permit to operate

Supplies goods and services to corporate clients that fall under any of the following categories:

Government offices like LGUs, GOCCs, Departments, etc.
Public-listed Corporations
Multinational Companies
Companies that belong to the Top 1000 Corporations in the Philippines
Affiliates or subsidiaries of the above

Has unpaid invoices or billing statements and/or unfulfilled purchase orders, contracts, notice of award or notice to proceed from your corporate clients

Your business’ annual revenue is at least ₱5 million

Posted net profit in the latest Audited Financial Statement

Has an active checking account from the past 6 months

Review the list of documents needed for Real Estate Mortgage

Preparing these documents in advance to ensure a swift and seamless application!

Latest Certified True Copy of Collateral Title (TCT/CCT)

Lot Plan and Vicinity or Location Map (Optional)

Tax Declaration on Land and/or Improvements

Tax Clearance for the current year

Appraisal fee

Contact Person and Contact Number to assist in on-site visits during appraisal and inspection

Note: Scanned copies will be accepted for appraisal purposes. Once the application is funded, hard copies will be submitted for purposes of registration of encumbrance.

Frequently Asked Questions

What is Real Estate Mortgage (REM)?

A REM is an agreement where a real estate is put up as a guarantee by the debtor in the creditor's favor for a loan. If the debtor fails to pay the loan the creditor may foreclose the mortgage and sell the real estate property. The proceeds of the sale will then be used to pay the debt.

I have a real estate property but I don’t have a registered business, am I qualified for financing?

Unfortunately, Investree’s financing programs are exclusive to registered businesses.

Can I use more than 1 property as collateral?

Yes, you may use more than 1 collateral to increase the amount that you can borrow.

How long does it take to process the financing?

If the documents are complete and submitted on time, you can receive your fund between 5-7 weeks.

The real estate property is not under the business or company name, can I use it as collateral?

Depending on whom the property is titled to and the relation to the business or company, we may accept subject to third-party REM. We can discuss the details more thoroughly with you.

Got more questions?