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Short Term Finance

This is money lent to a client over a fairly short term (not exceeding 12 months), which is to be repaid from the receipt of moneys due to the client. The loans are for individuals or companies owned by citizens aged 18 or over, either wishing to start a new business or wanting to expand an existing one. The loans are provided under the following conditions:

Loan amount

Bridging finance loans range from P500.00 to P4 million.

Loan period

The repayment period will depend on the date of receipt of expected moneys which will be used to clear the debt, but will not exceed 12months. Monthly repayments are not usually required, instead a bullet repayment is made using the received moneys.

Interest rate

  • Loans of up to P500 000 will be charged interest at the rate of 5% per annum.

  • Loan exceeding P500 000 will be charged interest at the rate of 7.5% per annum.


The requirements are as follows:

  • Historic financials (for operating projects)

  • Financial Projections

  • Company resolution to borrow

  • Certified copies of Directors IDs

  • Personal Balance sheets of Directors

  • Company Profile or business brief for new projects

  • Market (i.e Tender awarded/purchase orders/contracts)

  • Letter of request

  • CVs of Directors and/or Management

  • Certificate of incorporation

  • Form 2

  • Share Certificates

  • Copy of licence to operate the business

  • Quotations from suppliers

  • Tax Clearance Certificate

Product Sectors: 
Trade Finance