Uncategorized
Loan products that match PH schedules: flat, reducing, interest-only, compound
Filipino borrowers do not argue with your philosophy of interest. They argue with the number on Friday. If your “flat” product feels…
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Guides, product updates, and lending ops insights for microfinance and small lenders.
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Uncategorized
Loan-file document vault for PH lenders: KYC scans tied to the account
KYC field design is one problem. Finding the scan six months later is another. Philippine lenders from Manila to Davao still lose…
Uncategorized
Guarantors and co-makers: clean borrower files for PH money lenders
Many Philippine money lenders still treat guarantors and co-makers as a line on a paper form that never reaches the LMS. When…
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Collateral register basics for secured microloans in the Philippines
Secured microloans in the Philippines often start with a motorcycle ORCR, a appliance delivery receipt, or a barangay-noted asset list — not…
Uncategorized
Borrower CRM for Philippine money lenders: officers, branches, clean files
A borrower file that lives in three group chats is not a CRM. It is a liability. Philippine money lenders from Quezon…
Finance
How to read a lending P&L: margin, cost of funds, and why ₱2M books still bleed
A plain P&L for Philippine microfinance desks: collected yield, cost of funds, ops bleed, and why a busy ₱2M book can still…
Money
Personal money vs lending capital: keep ₱50k working without mixing the two
Most small lenders do not go broke from one bad loan. They go broke because personal money and lending capital share the…
₱10k Loan Business
₱10k loan business math: fees, tenure, and weekly break-even
A ₱10,000 loan looks small until you run twenty of them. Then it is your whole business. This post is for barangay…
Guides
Week-one delinquency playbook for small lender collections
A practical week-one collections playbook for microfinance and money lenders: 24-hour contact, promise rules, field visits, and metrics that stop early arrears…
Startup Business Tips
Startup lending capital: a ₱500k plan that survives month three
A practical ₱500k capital plan for Philippine lending startups: float vs ops vs buffer, three products, weekly scoreboard, and month-three survival math.
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