FINANCING PROGRAMS FOR MICRO, SMALL, AND MEDIUM ENTERPRISES

PREFACE
The growing number and significant role of micro, small and medium enterprises (MSMEs) in spurring national economic growth prompted the compilation and publication of this handbook on Financing Programs for Micro, Small and Medium Enterprises. The implementation of micro financing and SME lending programs by various institutions is generally recognized as an essential tool in stimulating entrepreneurial activities. Through this compendium, the Bureau of Small and Medium Enterprise Development (BSMED) aims to increase the Filipino entrepreneurs awareness on sources of funding available from government and private sector institutions for his business, and encourage him to access these facilities based on the capabilities of his enterprise. This menu of financial services will hopefully develop and strengthen the ability of MSMEs to better manage their operational activities and possibly embolden them to cater to areas beyond their traditional markets. This compilation is an initiative of BSMED under the Department of Trade and Industry (DTI).

TABLE OF CONTENTS
I. MICRO FINANCING PROGRAMS Asiatrust Development Bank ................................................................ 3 Salary Loan Department of Labor and Employment (DOLE) ................................. 5 Workers Microfinance Program (KALINGA para sa mga Manggagawa Fund) Foundation for a Sustainable Society, Inc. (FSSI) ............................ 7 Microfinance Eco-Enterprise Program (MEEP) GSIS Family Bank (GFB) ...................................................................... 9 GSIS Family Bank Microfinance Lending Program

Land Bank of the Philippines (LBP) .................................................. 12 Microfinance Program for Microfinance Insitutions -Retailers Cooperative Lending Program (CLP)

National Livelihood Support Fund (NLSF) ....................................... 17 NLSF Microfinance Program Livelihood Development Program for Overseas Filipino Workers (OWWA-NLSF LDPO)

Opportunity Microfinance Bank (OMB) ............................................ 21 Opportunity Ka-Partner Microfinance 1(OK-MF 1) Program Opportunity Ka-Partner Microfinance 2(OK-MF 2) Program OMB Well Family Midwife Clinic Partnerships Foundation, Inc. (OMB-WPFI)

Peoples Credit and Finance Corporation (PCFC) ........................... 26 Microfinance Program Philippine Microenterprise Development Foundation (PMDF) ...... 28 Balikatan sa Kaunlaran (Partnership for Progress) Quedan Corporation ............................................................................ 30 Quedancor Program for Self Reliant Team (SRT)

Small Business Corporation (SB Corporation) ................................ 32 Micro Lending Through Lead Micro Finance Institutions (Micro-LEAD) Micro Lending Through Local Bank (Micro-LOCAL) Micro Lending Through Small Micro Finance Institutions and Community Cooperatives (Micro-LEAP)

II. SME FINANCING PROGRAMS Asiatrust Development Bank .............................................................. 39 Bank Carry Term Loan Short Term Loan Discounting Line / Receivables Discounting Domestic Letter of Credit / Trust Receipt Import Letter of Credit / Trust Receipt

BPI Family Savings Bank ................................................................... 44 Grow Your SME Business Loan Department of Science and Technology (DOST) ............................. 45 Small Enterprise Technology Upgrading Program (SET-UP)

Development Bank of the Philippines (DBP) .................................... 46 DBP Lending Program for Micro, Small and Medium Enterprises DBP Lending Program on Environment DBP Lending Program on Power DBP Lending Program on Water DBP Lending Program on Sustainable Logistics Development DBP Lending Program on Housing, Healthcare & Education

Equitable PCI Bank .............................................................................. 54 Credit-on-Hand (COH) Credit Line Term Loan

Export and Industry Bank ................................................................... 56 Export Trade Financing Domestic Trade Financing Import Trade Financing with Trust Receipt Facility Trade Fair Financing

Foundation for a Sustainable Society, Inc. (FSSI) ......................... 60 Coco Coir Business Integration & Development Program (COCOBIND) Sustainable Waste Management Eco-Enterprise Program (SWEEP) Sustainable Partnership for Eco-Enterprise Development (SPEED) Fund for a Sustainable Civil Society (FSCS)

Government Service Insurance System (GSIS) ................................ 65 GSIS Special Financing Program

Land Bank of the Philippines (LBP) .................................................. 66 Easy Pondong Pang-Asenso (EPPA) Special Financing Assistance to Small & Medium Exporters (SFA-SMEx) SME Unified Lending Opportunities for National Growth (SULONG) Accelerating Change in the Countryside thru Equity Sharing Strategy (ACCESS) Retail Countryside Fund (RCF I and II) ADB Air Pollution Control Credit Facility Countryside Loan Fund Program (CLF I, II, and III)

Opportunity Microfinance Bank ........................................................ 78 SME Lending Program Philippine Business for Social Progress (PBSP) .............................. 79 Small and Medium Enterprise Credit Program (SMEC)

Philippine Export-Import Credit Agency (PHILEXIM) ...................... 80 Special Credit Facility for Export Development (SCFED) Short Term - Direct Lending Program (ST-DLP) Medium & Long Term - Direct Lending Program (MLT-DLP) SME Unified Lending Opportunities for National Growth (SULONG) Preshipment Export Finance Guarantee (PEFG) Postshipment Export Risk Guarantee (PERG) Term Loan Guarantee Program (TLGP)

Philippine National Bank (PNB) ......................................................... 94 Small Business Loan (SBL)

Planters Development Bank ............................................................... 95 Revolving Credit Line Mortgage Optimizer Term Loan Contract to Sell (CTS) Purchase Facility

PNOC Energy Development Corporation (PNOC-EDC) ................... 99 Decentralized Energy Systems (DES) Project

Quedan Corporation (Quedancor) ................................................... 100 Quedancor Program for Agri-Fishery Small and Medium Enterprises Quedancor Wholesale Program for Countryside Lending Conduit

Rizal Commercial Banking Corporation (RCBC) ........................... 105 Small and Medium Enterprises Lending

Small Business Corporation (SB Corporation) .............................. 106 SME-Financing for Receivables of Suppliers Transactions (SME-FIRST) SME-Financing for Receivables of Suppliers Transactions Expanded (SME-FIRST EXPANDED) SME-Financing Reach for Exporters thru Network Development (SME-FRIEND) SME-Financing Organizationally Competent and Excellent Franchise Business (SME-FORCE) SME-Financing for Variable Business Expansions (SME-FLEXIBLE) SME-Financing for Enterprising and Able Start-Ups with Innovative Business (SME-FEASIBLE) SME-Financing for Information Technology (SME-FIT) SME-Guarantee for Enterprises in Manufacturing and Services (SME-GEMS) SME-Guarantee Resources for Agribusiness Investments (SME-GRAIN) SME-Guarantee Lines for Anchor Industries (SME-GLAD) Guarantee for Suppliers of Locators of PEZA/BOI SME-Funding Access for Short Term Loans (SME-FAST) SME-Funding for Investments in Regional Markets (SME-FIRM) SME-Equity Ventures Program (EVP)

Social Security System (SSS) .......................................................... 128 SME Unified Lending Opportunities for National Growth (SULONG) The SSS Special Financing Program Industry Loan Program Financing Program for Tourism Projects Special Financing Program for Vocational & Technical Schools Hospital Financing Program SSS Financing Program for Educational Institutions

MICRO FINANCING PROGRAMS

ASIATRUST DEVELOPMENT BANK 1424 Quezon Avenue, Quezon City Program Title: SALARY LOAN Program Objective: To enhance employees benefits program without extra cost to the company. These are short-term multi-purpose loan package granted to regular employees of accredited companies subject to salary deduction scheme. Company Accreditation: Criteria for Company Accreditation: Should be in operation for at least 4 years; Profitable for the past 2 years; No record of adverse findings with other financial institutions; and, Should have at least 20 regular employees. Company Requirements for Accreditation: Company profile; Profile of key officers; List of employees/Alpha list; Latest 3 years Income Tax Return, Audited and In-House Financial Statements; SEC papers and business registration; Articles of Incorporation and By-Laws; and, List of trade and bank references. Documentation upon Approval of Accreditation Line: Memorandum of Agreement (MOA) between the accredited company and Asiatrust Bank (under with or without company guarantee facility); Board Resolution/Secretarys Certificate authorizing the company to enter into a MOA with Asiatrust Bank and indicating the authorized signatories to the said MOA.; and, Duly signed Facility/Conforme Letter (stating the terms and conditions of the loan program). Eligible Borrowers: Regular employees for at least 2 years with a minimum gross monthly salary of P8,000.00 for rank and file and at least 1 year work tenure for Officers with P15,000.00 monthly compensation. Monthly installment of all loans outstanding with and outside of Asiatrust Bank should not be more than 30% of net monthly income. No adverse credit findings
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Loan Purposes: Working capital for start-up/existing business; Appliance acquisition; education; debt consolidation; medical expenses; home improvement; lot downpayment; vacation travel expenses; family celebration; car repair/purchase; insurance payments; health and wellness; memorial services; etc. Terms/Requirements: Amount: Minimum of P10,000.00; Maximum of P500,000.00. Prevailing market rate

Interest Rate:

Maturity / Repayment: Payable for 6, 12, 18, 24 months; Up to 36 months for employees with more than 3 years work tenure. Mode of Payment: Fixed amortization through salary deduction scheme to be remitted to the bank on a monthly basis via corporate check or to be debited from the mother companys account with Asiatrust Bank. Contact Details: Ms. Ma. Theresa Mangibin Salary Loans Unit Head Phone: (632) 924.5648

DEPARTMENT OF LABOR AND EMPLOYMENT BUREAU OF RURAL WORKERS (DOLE-BRW) 9F, G.E. Antonino Building, T.M. Kalaw and J. Bocobo Streets, Ermita, Manila Program Title: WORKERS MICROFINANCE PROGRAM (KALINGA para sa mga Manggagawa Fund) Program Objectives: To alleviate poverty among target workers through micro entrepreneurial activity; To support employment generation and promotion of workers entrepreneurship; and To facilitate the access of workers to credit services to finance their livelihood and entrepreneurial activities. Eligible Sub-Borrower: Displaced workers in the formal, informal, and public sector; Workers with existing micro-enterprise venture needing expansion; and Workers with no existing micro-enterprise but: o Are willing to engage in such endeavor; o Have participated in appropriate livelihood/entrepreneurial training; At least one (1) year residency in the area; The micro-enterprise should have weekly or daily income; Must be 18-65 years old; One member per household can apply; Not presently employed or has no full-time employment; No existing loan with a microfinance institution (MFI)/Peoples Credit and Finance Corporation (PCFC); and Household monthly income of not more than P10,000 or below the poverty threshold. Eligible Sub-Projects: Handicraft and small manufacturing (i.e. rug making, basket making, etc.); Services (i.e. tricycle operation, barber/parlor shop, repair shop, etc.) Food production/processing (i.e. meat processing, candy making, bakery, etc.) Small agribusiness projects (i.e. small piggery/poultry, cutflower production) and production loan for non-traditional crops (i.e. vegetables) but should be supplemented by a business activity which yields a daily income; rice and corn and other traditional crops are excluded; and Market vending and small trading (i.e. sari-sari store, fish, vegetables vending)
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Loan Purpose: Financing of livelihood and entrepreneurial activities Terms/Requirements: Amount: 1st loan not more than P6,000.00 2nd loan to subsequent loans upon evaluation of the MFIs, based on the previous performance of the sub-borrower A gradual increase may be given subject to the needs of the borrower and should be supported by a cash flow statement. The maximum loan amount is P150,000.00. Interest Rate: Shall be based on market rate

Maturity / Repayment: Shall be based on the sub-projects cash flow and the sub-borrowers overall repayment capacity. Procedure: Step 1 Worker/Sub-borrower fills up registry form in the Public Employment Service Offices (PESO) located in all Municipal and Provincial government offices, DOLE Regional Offices and attached agencies. Step 2 DOLE ROs and attached agencies or PESO evaluate and refer application to any PCFC-accredited microfinance institution (MFI) operating in the area. Step 3 MFI conducts credit investigation. Qualified sub-borrower is advised to attend compulsory group training. If borrower passes examination, loan is released. Step 4 DOLE-ROs and attached agencies/PESOs monitor results of referrals. Contact Details: Bureau of Rural Workers Phone: (632) 527.5857 404.3336 Fax: (632) 527.5858 e-mail: brwmain@meridiantelekoms.net www.brw.dole.gov.ph

FOUNDATION FOR A SUSTAINABLE SOCIETY, INC. (FSSI) Unit E, 46 Samar Avenue corner Eugenio Lopez Street South Triangle, Quezon City Program Title: MICROFINANCE ECO-ENTERPRISE PROGRAM (MEEP) Program Objectives: To assist community finance institutions (CFIs) set up windows of financing schemes for the entrepreneurial poor and microenterprises entering and participating in eco-enterprise ventures; To create CFI models that are community oriented, economically viable and integrate ecological concerns in their operation; and To increase the participation of the entrepreneurial poor and microenterprises in the Sustainable Waste Management Sector, Coco Coir Sub-Sectors and other Eco-Enterprises through microfinance. Eligible Borrowers: Non-Government Organizations (NGOs), Cooperatives, Federations, Unions, Community Financial Institutions such as micro-finance oriented banks Financial Products and Services: Loan (Term Loan, Credit Line) Developmental Deposit Guarantee Equity/Joint Venture Terms/Requirements: Amount: Minimum of P500,000.00; Maximum of P15.0 Million. Interest Rate: For Loan: o For NGOs, Cooperatives & Unions, Banks, Cooperative Banks prevailing 364-day Treasury Bill Rates + 2% SF + RVAT o For Private Social Enterprise prevailing 365-day Treasury Bill Rates + 4% SF + RVAT For Deposit: o For NGOs, Cooperatives & Unions, Banks, Cooperative Banks and Private Social Enterprise Above Inflation Rate, net of tax

Maturity / Repayment: For loan one (1) to five (5) years maturity in monthly, quarterly, semi-annual, or annual payments For Deposit annual maturity; monthly or semi-annual payments Security: (For loan) 75% Real Estate Mortgage Chattel Mortgage Deed of Assignment, and Joint and Several Suretyship (JSS) Agreement

Contact Details: Ms. Ann Marie Torres Senior Program Officer Phone/Fax: (632) 928.8671 local 24 e-mail: atorres@fssi.com.ph URL: www.fssi.com.ph GSIS FAMILY BANK (GFB)

165 Real Street Pamplona, Las Pias City Program Title: GSIS FAMILY BANK MICROFINANCE LENDING PROGRAM Primary Structures: Self-help groups (SHGs) are the primary structures utilized by this microfinance program. An SHG is composed of 5 persons who do weekly meetings together with other 5 to 6 SHGs to form a center. The SHG/center serves as the venue for collection of credit, savings deposit generation and the delivery of other services. It also serves as venue for the monitoring of projects and the expressions of concern for the members of the program. Program Objectives: To introduce an accessible and affordable alternative credit system for the urban and rural poor for the financing of income-operating activities. To encourage the poor to use their time, effort and talents productively. To empower women through their involvement in economic activities and their participation in decision-making process. To reduce dependency on moneylenders who charge high interest rates and on dole outs and other forms of political patronage. Eligible Borrowers: At least 18 years old but not more than 65 years old, preferably women. A student or an employed person cannot become a borrower since the livelihood activities require full-time responsibilities. Must have stayed in the present residence for at least one (1) year and is known in the community. Must be of good moral character as attested by the co-members. Must be poor, who is engaged in livelihood activities. Eligible Projects: As a general rule, the business to be financed has to be existing for at least a year. Any micro-enterprise/livelihood activity (trading, services, vending) that can generate immediate additional income. Project(s) which is/are within the capacity of the borrower to manage. Must be a legal activity. Terms/Requirements:
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Amount: First Loan Cycle P6,000.00 to maximum of P10,000.00 Second Loan Cycle Maximum of P15,000.00 Third Loan Cycle Maximum of P20,000.00 Fourth Loan Cycle Maximum of P25,000.00 Fifth Loan Cycle - Maximum of P30,000.00 Sixth Loan Cycle - Maximum of P40,000.00 Seventh Loan Cycle - Maximum of P50,000.00 The general rule in determining the amount of the loan shall be the requirement and viability of the proposed livelihood project and acceptance of the responsibility of the group members. Moreover, for the succeeding loan, the amount shall also be based on: 1) repayment performance of the borrower, 2) attendance during weekly meetings, 3) improvement of livelihood activities, 4) improvement of savings deposits, and 5) relationship with the group. Interest and Service Charges: interest rate of 3% per month and a one-time service charge of 2% per cycle. Individual Savings Requirement: For every loan that is to be granted, the borrower shall be encouraged to save at least 20% of the loan availed of at the end of the term. These savings may be pre-deducted upon the release of the loan or amortized weekly together with the loan. Withdrawal from this savings shall be discouraged, except for meritorious reasons and such amount withdrawn must be returned on or before the end of the term. Loan Duration: 24 weeks (6 months). The term may be shortened to 12 weeks if at the start of the training the group agrees to shorten the loan period, if the cash flow would show the ability of the borrowers to pay the weekly amortization. Mode of Payment: Payable in weekly amortizations. Security: As much as possible, no collateral shall be required from the borrowers except the following: Secure the signatures of all her co-group and center members as joint and several co-makers. A Deed of Assignment of deposit and authority to debit to authorize the bank to apply the savings against the loan in case of default. The borrower must be covered by an accredited insurance
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company. Strictly abide with the policies and guidelines of the microfinance program. Documentary Requirements: Offering Memo (Credit Proposal) Loan Application Project Proposal Notarized Loan Contract Promissory Note Authority to Debit Barangay Clearance Savings Account Opening Forms Credit Implementation Ticket

Contact Details: Ms. Susan R. Maligaya Microfinance Unit Phone: (632) 873.0915 (632) 873.0379 (632) 873.0469 local 122 Fax: (632) 873.0119 (632) 873.5924

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LAND BANK OF THE PHILIPPINES (LBP) 1598 M.H. Del Pilar cor. Dr. J. Quintos Sts., Malate, Manila Program Title: MICROFINANCE PROGRAM FOR MICROFINANCE INSTITUTIONS (MFI) RETAILERS Program Objectives: General: To support government efforts to alleviate poverty by empowering the marginalized sector towards economic growth. Specific: To expand the Banks outreach to the poor who do not have access to the formal financial system; To promote the active participation of microfinance institutions in the credit delivery system; To promote savings mobilization of poor households; and To strengthen partner-MFIs in its microfinance operations and help deliver capability building support to micro-enterprises. Mode of Credit Delivery: Landbank will provide funds to MFI-Retailers which in turn lend the same to micro loan sub-borrowers. Program Conduits: As wholesaler of funds, the LBP will tap the following entities as microfinance program conduits. Cooperatives (Coops) Countryside Financial Institutions (CFIs) Non-Government Organizations (NGOs) Eligibility Requirements for the MFI-Retailers: Passed the Risk Asset Acceptance Criteria (RAAC) of the bank; New MFIs and other MFIs without existing credit line / loan with PCFC or existing MFI clients of PCFC whose credit requirement is in excess of P100 million; Duly registered with CDA in case of coops; BSP and SEC in case of CFIs ; and SEC in case of NGOs; With at least three (3) consecutive years experience in lending, one year (most recent) of which is on microfinance operations; With audited financial statements (FS) for the last three (3) years (audit conducted by an external auditor); With capacity to engage in microfinance, as evidenced by the following: o Functioning MIS/ loan tracking system (will allow regular monitoring of microfinance operations as evidenced by timely generation of basic financial, loans tracking, and aging reports using Portfolio at Risk {PAR});
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o o o

o o

With savings mobilization program and microfinance guidelines/ operations manual in place; With microfinance business plan for at least three (3) years as approved by its Board of Directors; At least two (2) members of its Board of Directors (BOD) / officers with one (1) year experience in microfinance and/or intensive training on microfinance (minimum of 7 days training) in accredited/ reputable training institutions; With a separate unit to handle microfinance operations; At least three (3) full-time and trained microfinance officers/staff (minimum of 5 days microfinance training in accredited/reputable training institution/s); and, With a continuing staff development/training program on microfinance.

Credit Facilities Available to Eligible MFIs: Short Term Loan o Working Capital o Rediscounting Term Loan Terms/Requirements: Amount: Short Term Loan / Term Loan o For Coops up to 6 times of its networth o For CFIs not to exceed its AERA o For NGOs should be equal to the requirement of borrowers but not to exceed twice its existing loanable funds (exclusive of borrowings) Interest Rate: Short Term Loan 91-day T-bill rate + 3% per annum, or 9.5% per annum, whichever is higher. (Aligned with the SULONG rate for short-term PNs, which is set every quarter.) Term Loan 12% + 1% service fee per annum Rediscounting Rate: Up to 85% of the current outstanding balance of the PNs rediscounted. Term / Availability: Short Term Loan One (1) year credit line/Up to 360 days PNs Term Loan - Up to five (5) years / Maximum of 3 tranches, but to be availed within one year from the date of signing of loan agreement.

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Collateral Requirement: Short Term Loan o Working Capital - REM or Hold-out on deposit, and/ or government securities for coops and NGOs with PESO rating of 70 to less than 80, and CFIs with CAMELS rating of 3 to less than 4. JSS and Post Dated Checks (PDCs) for coops and NGOs with PESO rating of at least 80; and CFIs with CAMELS rating of at least 4. o Rediscounting - Assignment of sub-PNs, including subborrowers underlying collaterals; Guarantee cover, if any; JSS of principals; Post Dated Checks (PDCs) Term Loan - REM or Hold-out on deposit, and/or government securities.

Contact Details: Program Management Department (PMD) Phone: (632) 522.0000 (632) 551.2200 locals 2650, 2589 Direct Line: (632) 405.7309 (632) 405.7427 Fax: (632) 528-8541/42/43 e-mail: sme-pmu@mail.landbank.com

Program Title: COOPERATIVE LENDING PROGRAM Program Objective: To help augment income, generate more economic activities and transform peoples lives. Eligible Borrowers: Agricultural cooperatives small farmers, fisherfolk, and poultry/ livestock raisers. Non-farmers/credit cooperatives market vendors, employees, teachers, rural workers, women, etc. - which meet the following criteria: o registered with CDA with a minimum of 60 members; o minimum paid-up share capital of P30,000.00; o all members should have attended Pre-Membership Education Seminar; o core management team composed of qualified full-time treasurer/cashier and qualified full-time bookkeeper and manager; o with on-going savings mobilization program resulting to an annual average increase of savings of at least P500.00/ member;
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o o

o o o o o o

with on-going capital build-up program resulting in annual incremental equity equivalent to P500.00 per member; with written policies, systems and procedures on membership management, capital build-up and savings mobilization, credit, accounting and budgeting, written plans and programs; with duly installed books of accounts; at least break-even in its operations; must be conducting periodic performance review operations; risk asset ratio of not less than 10%; and past due ratio of not more than 25% for bank assisted cooperatives/ newly accessing cooperatives. Sub-borrowers individual households, businesses, and microenterprises.

Loan Purposes: Agricultural Production Loan (APL) provision of short/medium/ long term loans, depending on the gestation period of the crop/ project, for relending to cooperative members engaged in crop production, livestock and poultry raising/breeding, fishery, and aquaculture projects and other agri/aqua-related projects, including cottage industries which utilize excess farm labor. Working Capital Loan (WCL) for funding cooperative activities requiring operating capital for purchase of raw materials, processing and trading of inputs and/or finished products and the operation of fixed assets. Rediscounting Loan (RL) improvement of liquidity and provision of capital requirements of eligible / accredited lending agents for funding relending operations using promissory notes of members of cooperatives. Fixed Asset Acquisition (FAL) purchase of fixed assets to be used in the cooperatives operation. Terms/Requirements: Amount: Depends on the project needs or loan ceilings for traditional and high-value crops which should not exceed 80% of the project cost. For rediscounting maximum of 85% of face value of the subpromissory notes (PNs), except for sub-loans under the Innovative Financing Scheme which have 100% loan value on sub-promissory notes.
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Interest Rate: Prevailing rate at the time of availment. Maturity / Repayment: APL/WCL lump sum depending on crop cycle and/or project cash flow. RL co-terminus with the maturity dates of batch of subpromissory notes rediscounted but not exceeding one year. FAL equal quarterly, semi-annual or annual amortizations depending on the financial projections and production cycle of the project. Security: APL o Deed of Assignment of PCIC insurance/guarantee coverage. o Deed of Assignment of Produce. o Deed of Assignment of Sub-borrowers PNs. WCL and FAL o Real Estate/Chattel Mortgage (REM/CM). o Mortgage on Objects of Financing. o Continuing Mortgage on Stocks. RL o Deed of Assignment Sub-borrowers PNs including its underlying collaterals. Other acceptable collaterals Hold-outs, Assignments, REM, Guarantee Coverage, Joint and Several Signatures (JSS). Contact Details: Program Management Department (PMD) Phone: (632) 522.0000 (632) 551.2200 locals 2650, 2589 Fax: (632) 528-8541/42/43 e-mail: sme-pmu@mail.landbank.com

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NATIONAL LIVELIHOOD SUPPORT FUND (NLSF) 4th Floor, Hanston Building, Emerald Avenue Ortigas Center, Pasig City 1600 Phone: (632) 631.2955/57/44/47 (632) 914.7290 to 97 Fax: (632) 631.2953/54 e-mail: nlsf@nlsf.gov.ph Program Title: NLSF MICROFINANCE PROGRAM Program Objective: To provide livelihood and enterprise development assistance to small farmer beneficiaries in the Agrarian Reform Communities (ARCs) and members of the marginalized sectors by providing access to micro credit through accredited NLSF program partners/conduits, supported by capability building/institutional development interventions. Eligible Borrowers: Program Partners/Conduits o Rural Financial Institutions (RFIs) o Cooperatives o Non-Governmental Organizations (NGOs) End-Borrowers o Small farmer households and their organizations in the ARCs o Enterprising poor in the marginalized communities, including coconut farmers/workers under the Credit Assistance for Coconut Famers (CACF) Program; youth graduates (18-35 years old) of entrepreneurial or skills training programs of TESDA and NYC (preferably out-of-school youth). Loan Purposes: Omnibus Credit Line funds for relending to finance the livelihood project requirements of end-borrowers. Soft Loan intended to finance the logistic support expenses of the client in implementing the NLSF-funded credit program. The loan can be used specifically for the following: o Conduct of capability-building/training programs for all the staff of the conduit handling the NLSF livelihood credit program and the conduct of social preparation activities for the subborrowers. o Logistic support expenses as allowed by NLSF and depending on its assessment of the needs of the client.

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Terms/Requirements: Amount: Program Partners o Omnibus Credit Line Depends on the credit evaluation, program plans and number of target end-borrowers but not to exceed its total asset base. o Soft Loan depends on the needs of the Program Partner as assessed by NLSF but not to exceed 10% of the approved credit line. There must be at least 50% availment from the credit line for relending before the soft loan could be availed of. End-Borrowers Maximum of P50,000.00 per sub-borrower. Interest Rates: Program Partners o Omnibus Credit Line 9% per annum o Soft Loan 4% per annum; loan duration shall depend on the nature of the soft loan utilization but not to exceed three (3) years. Security: Program Partners o Continuing Deed of Assignment of sub-borrowers Promissory Notes and their underlying collaterals o Post-dated Checks o Chattel or Real Estate Mortgage, if any. End-Borrowers no collateral Application Requirements Accomplished NLSF application form Registration and Incorporation papers Board Resolution authorizing the borrowing from NLSF and designating the officers to sign the documents Personal Data Sheet of the Board of Directors and Principal Officers including 2X2 pictures List of top 20 stockholders or regular members for coops or active/ founding members for NGOs 3 Years Audited plus latest interim Financial Statements Latest Microfinance Project Status Reports

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Program Title: LIVELIHOOD DEVELOPMENT PROGRAM FOR OVERSEAS FILIPINO WORKERS (OWWA-NLSF

LDPO)
Program Objective: To help OFWs and their families start or sustain their own business through access to credit, capability building, market linkage and other forms of livelihood or entrepreneurial assistance. Eligible Borrowers: All active and former member-OFWs of the Overseas Workers Welfare Administration (OWWA) OFWs immediate family members (but only one family member per OFW can avail) o For married OFWs: spouse or children of legal age o For single OFWs: parents or children of legal age Former OWWA LDPO borrowers with good records of repayment Loan Purposes: For short-term operating capital of new or existing business two-year revolving credit line to be availed of via 30 to 180 days promissory notes. For permanent working capital (purchase of stock inventory or cost of franchise - 3 years repayment including one-year grace period on the principal For asset acquisition or construction (except for purchase of land - payable in 3 to 5 years including one-year grace period on the principal Terms/Requirements: Amount: Individual Borrower maximum of P200,000.00. Organized and Registered Group of at least five members maximum of P1.0 Million. Interest Rate: NLSF to Program Partners o Interest: 3% per annum to be amortized with principal o Service Fee: 1% per annum to be deducted upon loan release and every start of succeeding year based on outstanding balance Conduits to OFW borrower o Interest: 9% per annum to be paid on maturity of short term loan or amortized with principal in case of 3-5 year loans
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Service Fee: 2% per annum payable upon loan release and at the start of every year thereafter based on outstanding balance Facilitation Fee: 3% one time for the entire term of loan (to cover for CI/BI, appraisal and processing expenses)

Security: Loans shall be 100% collateralized by any or a combination of the following unencumbered assets/rights: Real estate Chattel properties Stock inventories Receivables Insurance/pre-need policies Other types of collateral acceptable to the NLSF conduit Loan Requirements for OFWs Proof of OWWA contribution Business Plan/Project Feasibility Study Business permit/license for on-going projects Financial statements in case of existing business Documents to establish borrowers relationship with the OFW (for beneficiaries) Collateral papers/ownership titles, etc.

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OPPORTUNITY MICROFINANCE BANK (OMB) OMB Building, Robinsons Homes East, Commercial Arcade-1 Robinsons Homes East, Circumferential Road, Barangay San Jose Antipolo City Program Title: OPPORTUNITY KA-PARTNER MICROFINANCE 1 (OK-MF 1) PROGRAM Program Objective: To help enterprising individuals improve their business through access of additional working capital. Eligible Borrowers: Currently operating a micro-business that provides a daily or weekly income; Must be between 18-64 years old during the time of application; Must be of good moral character and in good health condition; At least 2 years residency if homeowner, and 4 years if renter; Of good credit standing and preferably no outstanding loan with other lending organizations; Must be referred and guaranteed by OK Partners; and, Must be willing to join a group for a semi-monthly meeting. Eligible Projects/Business: At least one year continuous business operation; and, Engaged in trading, manufacturing, processing and services Loan Purpose: Additional working capital Terms/Requirements: Amount: Minimum of P5,000.00; Maximum of P20,000.00 Interest Rate: Two and one-half percent (2.5%) per month or thirty percent (30%) per annum, straight computation and amortized over loan term Maturity / Repayment: P5,000.00 to P8,000.00 4 months P9,000.00 to P20,000.00 6 months Semi-monthly payments coinciding with the semi-monthly meeting Loan Charges: Application fee of P100.00, paid outright upon loan application Other charges deducted from loan proceeds: o Service fee: 4% of the loan amount o Notarial fee P60.00 o Documentary Stamp Tax (DST): P1.00 per P200 loan
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o o o o

Mortgage Redemption Insurance (MRI): P0.92/month per thousand peso loan principal plus interest (multiplied by term) Loan documents and forms fee: P150.00 Microinsurance Credit re-evaluation fee: P100.00 (for re-loan client who wants his/her credit limit to be re-assessed for increase)

Savings Requirement: Hold-out deposit of 20% of the approved loan amount in every loan cycle o First loan: 10% is deducted outright from the loan proceeds and the other 10% will be amortized over the term o Re-loan: Any difference from the previous required savings is to be paid by the client before the loan release Loan Amount Increase: Maximum of P3,000.00 Increase subject to the recommendation of the OK Partners Requirements for Loan Renewal: Payment of at least 60% of the loan principal with no single default payment Single default within the loan term means no increase in the next loan cycle Requirements for Credit Line Increase: Full payment of principal and payment of re-evaluation fee No single default repayment from the latest loan Contact Details: Antipolo : Rochelle Bonzo 630.0141 local 137 Valenzuela : Abegail Bayan 293.6377 i (632) 293.6331 Bagong Silang : Mario Padre 962.9070 i (632) 962.9069 Sapang Palay : Alvin Arcinue 044.6915450 Fairview : Alexander Caponpon 431.8698 i 931.4452 Lower Caloocan : Grace Barcelon 367.5349 i 367.5649

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Program Title: OPPORTUNITY KA-PARTNER MICROFINANCE 2 (OK-MF 2) PROGRAM Program Objective: To help enterprising individuals improve their business through access of additional working capital and acquisition of fixed assets for business use. Eligible Borrowers: Must be between 21-64 years old during the time of application; Borrower must be in good health condition; and, At least 3 years residency if homeowner, and 5 years if renter. Eligible Projects/Business: At least one year continuous business operation; and, Engaged in trading, manufacturing, processing and services. Loan Purpose: For business use only (additional working capital, purchase of machineries and equipment, business site improvement/expansion, etc.) Terms/Requirements: Amount: P20,001.00 to P150,000.00 Interest Rate: Thirty percent (30%) per annum, straight computation and amortized over loan term Maturity / Repayment: 3 to 12 months; semi monthly or monthly P20,000.00 to P49,999.00 thru Bank Deposit Slip P50,000.00 to P150,000.00 thru Post Dated Check (PDC) Loan Charges: Application fee of P100.00, paid outright upon loan application Other charges deducted from the loan proceeds: o Service fee: 4% of the loan amount o Documentary Stamp Tax (DST): P1.00 per P200 loan o Mortgage Redemption Insurance (MRI): P0.92 per thousand peso loan o Loan documents and forms fee: P150.00 per loan o Microinsurance (Cocolife) o Notarial fee: P150.00 Savings Requirement: 20% of the approved loan amount paid outright (not deducted from the loan proceeds) Penalty: 5% per month of the past due amortization (Principal+Interest)

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Contact Details: OMB Trunkline No.: 630.0141 Selven Raguro local 131 Irene Miguela local 135 Marianito Golla local 151

Program Title: OMB WELL FAMILY MIDWIFE CLINIC PARTNERSHIPS FOUNDATION, INC. (OMB-WPFI) Special Lending Window Program Objectives: To provide qualified Well-Family Midwife Clinics (WFMCs) access to credit for the improvement and expansion of clinics To give midwives opportunities to increase their income thereby providing them alternative means rather than seeking overseas employment To provide low-income municipalities with lower cost yet quality health and pre and post natal services Eligible Borrowers: Filipino citizen; Legal age but not to exceed 65 years old at loan maturity; Registered midwife with updated PRC license; and, Member in good standing of WPFI for the last 6 months. Loan Purpose: Construction/renovation of physical facility (excluding land development and demolition of existing structure) Acquisition of lot, clinic equipment, instruments, vehicle and other purposes necessary for the regular conduct of clinic business pursuant to the franchise standards of WPFI. Terms/Requirements: Amount: P50,000.00 to P500,000.00 Interest Rate: 21% per annum (diminishing balance) Maturity/Repayment: 6 months 36 months Security: Chattel, Equipment, and/or Real Estate Mortgage

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Mode of Payment: Semi-monthly or monthly through post-dated checks Contact Details: OMB Trunkline No.: 630.0141 Bert Cabarloc local 229 Babes Lagos local 228 Nante Bulaon local 222

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PEOPLES CREDIT AND FINANCE CORPORATION (PCFC) Accelerando Building, 395 Sen. Gil J. Puyat Avenue, Makati City Program Title: MICROFINANCE PROGRAM

Program Objective: To provide the poor with access to livelihood credit and other microfinance services through accredited partner microfinance institutions (MFIs). Eligible Borrowers / Sub-Borrowers: Borrowers (Accredited MFIs) Non-Government Organizations (NGOs), Cooperatives, Rural and Cooperative Banks, Thrift Banks duly organized, with either a track record of lending operations or with proven capabilities in implementing microfinance programs that canaugment the income of targeted poor clients. Sub-borrowers Households below the poverty threshold level as defined by the National Economic Development Authority (NEDA) and as identified by the Governments Social Reform Agenda through the National Anti-Poverty Commission (NAPC). Loan Purposes: Borrowers/MFIs o Investment Credit a revolving credit line for relending to subborrowers to finance their livelihood projects. o Institutional Credit for capability building activities of MFIs. Sub-Borrowers working capital for income generating activities (livelihood). Terms/Requirements: Amount: Borrowers/MFIs Based on evaluation/credit needs. Sub-Borrowers in Groups or Centers or Individuals Up to a maximum of P150,000.00 depending on sub-borrowers requirements and cash flows. Interest Rate: Borrowers/MFIs o Investment Credit: 12% per annum + 1% service charge o Institutional Credit: 3% per annum + 1% service charge Sub-Borrowers Subject to guidelines of the MFI Borrowers.

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Maturity / Repayment Borrowers/MFIs Investment Credit (per drawdown) Short Medium Long One year Three years Four to Seven years Institutional Credit Two years

Sub-Borrowers Six months to One year term; normally payable weekly or as per policy of the MFI. Security Borrowers/MFIs Investment Credit Deed of Assignment of Promissory Notes (PNs) of Sub-Borrower - clients and underlying collaterals, if any. Institutional Credit Mortgage of assets to be acquired from loan proceeds, if any.

Sub-Borrowers Essentially no collateral. Program Partners or MFIs: Please inquire from the following PCFC officials. Contact Details: Regions 1, 2, and CAR: Mr. Dennis A. Monong AVP-AMGI Phone: (632) 752.3745 Regions 3 and 5: Mr. Ariel M. Tatlonghari AVP-AMG2 Phone: (632) 752.3747 Regions 4 and NCR: Ms. Jessica A. Barrun AVP-AMG3 Phone: (632) 752.3746 Regions 6, 7, and 8: Mr. Jose Rico C. Coligado AVP-AMG4 Phone: (632) 897.9673 Regions 9, 10, 11, 12, CARAGA, and ARMM: Mr. Erwin M. Idong AVP-AMG5 Phone: (632) 897.9680 Fax: (632) 325.0448 e-mail: info@pcfc.ph Website: www.pcfc.gov.ph
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PHILIPPINE MICROENTERPRISE DEVELOPMENT FOUNDATION (PMDF) GF Melendres Building, F. Manalo St., Pasig City Program Title: BALIKATAN SA KAUNLARAN (Partnership for Progress) Program Objective: To provide opportunities for poor Filipino families particularly women to achieve self-reliance through self-help, training, mentoring, and provision of sustainable financial services, including collateral-free loans. Eligible Borrowers: Poor but enterprising women who fit the following criteria for poverty: o Their house index as indicated by the points system based on floor area, type of material and roofing used should not exceed the maximum of six (6) points; and, o Their income index per capita should not exceed P2,000.00 per month. Must be a group of 5 friends who trust each other and live closely to be able to look after each other; Must undergo a 2-day pre-loan orientation seminar to learn about the programs philosophy and rules to be prepared for the discipline required and pass the Group Recognition Test; Must be willing to be federated with other recognized groups to form a Center with a maximum of 50 women; Must be willing to attend one-hour weekly Center meeting near their homes; and, Must be willing to memorize and live by the Clients Verbal Pledge (code of honor). Loan Purpose: General Loan as working capital for income generating activities (e.g. livelihood) Special Loan to finance other non-business related needs such as tuition fee, house repair, electric and water utility installation, etc. Coverage: Metro Manila Terms/Requirements: Amounts: General Loan P1,000.00 to P75,000.00 Special Loan P1,000.00 to 30,000.00
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Interest Rate: Average interest ranges from 2.0 to 3.3% per month. Maturity / Repayment: General Loan 12 to 50 weeks in weekly payments. Special Loan 4 to 50 weeks in weekly payments. Security: For loans less than P20,000.00 no collateral. For loans more than P20,000.00 Post-Dated Checks. Other Services Offered to Clients: Enrollment with PhilHealth (voluntary basis) Family accident insurance coverage (very affordable premium) Contact Details: Mr. Jovencio A. Guanzon Executive Director Mr. Choy Yringco Control Manager Head Office and Pasig Branch: (632) 641.2207 i (632) 642.3895 Marikina Branch: (632) 934.8655 Quezon City Branch: (632) 953.7276 San Juan Sub-Office: (632) 713.9402 local 111 or (632) 714.1830 Tondo Branch: (632) 712.8047

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QUEDAN CORPORATION (QUEDANCOR) Quedancor Center, 34 Panay Avenue, Quezon City Program Title: QUENDANCOR PROGRAM FOR SELF RELIANT TEAM (SRT) Program Objectives: To finance the working capital or production requirements of farmers,fisherfolk and agripreneurs participating in the program; To create more jobs in the rural areas through the adoption of labor-intensive and market-driven agri-fishery and forestry based projects; To encourage participation of the private sector, particularly the input suppliers in the agricultural development programs; and, To improve access by agri-fishery stakeholders to credit through the SRT financing schemes. Eligible Borrowers: Farmers, fisherfolks, urban and rural workers Eligibility Requirements: Must be 18-64 years old at the time of application; Must have sufficient knowledge/experience and/or willing to undergo training on the project; Must have attended the required Values Orientation Seminar (VOS) with Quedancor; Must be residing in the same community for at least one (1) year or with the same project location; Must signify intention to become a member of an SRT cooperative; and Must be identified/endorsed by concerned government/nongovernment entity, if applicable. Loan Purposes: For production activities For processing/packaging/manufacturing Acquisition/Fabrication/Repair of agri-fishery machinery and equipment Construction/Upgrading of facilities Working Capital/Marketing and trading activities. Terms/Requirements: Amount: Maximum of P50,000.00 per member

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Interest Rate: Production/Processing, packaging, manufacturing/ Acquisition, fabrication and repair of agri-fishery machinery and equipment/ Construction and upgrading of facilities 16% per annum Working Capital, Marketing/Trading 2% per month Maturity / Repayment: Production shall depend on the projects cash flow or payback period Processing/Packaging/Manufacturing maximum of three (3) years but not to exceed 50% of the optimum economic life of the machinery/equipment to be acquired/fabricated/repaired Acquisition/Fabrication/Repair of Agri-Fishery Machinery and Equipment maximum of five (5) years but not to exceed 50% of the optimum economic life of the facility to be acquired/ constructed/upgraded Construction/Upgrading of Facilities maximum of seven (7) years Working Capital, Marketing/Trading maximum of three (3) years Loans are payable monthly, quarterly or semi-annually or depending on the mode of payment of the fund source as determined by the Quedancor Credit Assessment Group (CAG). Security: Joint and Several Signatures (JSS) of members of the SRT Deed of Assignment of Receivables supported by a Marketing Contract/Agreement, if applicable A loan guarantee from the participating LGU or buyer-firm/input supplier, if applicable Documentary Requirements: Application for loan; Two (2x2) photos VOS certificate from Quedancor Certification from the concerned government agency/other participating entities that he/she complies with the certain standards in their production systems, if applicable Memorandum of Agreement Farm Plan and Budget (for production loan) Certified copy of latest income and business tax returns Tax Clearance from the BIR, if applicable Contact Details: Winnie Sioson Annie Yiguez Emil Rea Phone: (632) 373.9711 Fax no: (632) 373.9452
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SMALL BUSINESS CORPORATION (Small Business Guarantee and Finance Corporation) 17 & 18 Flrs, Antel Corporate Centre, 139 Valero Street Salcedo Village, Makati City Contact Details: Ms. Luna C. David OIC Finance and Guarantee Sector Phone: (632) 751.1888 Fax: (632) 813-5726 894.1677 e-mail: ldavid@sbgfc.org.ph Program Title: MICRO-LENDING THROUGH LEAD MICRO FINANCE INSTITUTIONS (MICRO-LEAD) Eligible Borrowers: Large Micro Finance-Oriented Institutions o Minimum track record in micro-finance: ten (10) years inclusive of prior organizational set-up o Minimum number of micro-finance clients: 20,000; if wholesaler, 20 conduits o Minimum manpower in micro-finance operations: 100; if wholesaler, 20 o Minimum asset size of P100.0 Million o Minimum current ratio of 1:2 o Maximum debt-equity ratio of 70:30 after loan Medium Micro Finance-Oriented Institutions o Minimum track record in micro-finance: 3 years o Minimum number of micro-finance clients: 3,000; if wholesaler, 10 conduits o Minimum manpower in micro-finance operations: 20; if wholesaler, 10 o Minimum asset size of P15.0 Million o Minimum current ratio of 1:2 o Maximum debt-equity ratio of 70:30 after loan Loan Purpose: For re-lending to microentrepreneurs. Terms/Requirements: Amounts: Large Micro Finance-Oriented Institutions Minimum of P15.0 Million;Maximum of P100.0 Million for the 1 st year with SB Corporation; double of first year for succeeding years with SB Corp.
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Medium Micro Finance-Oriented Institutions Minimum of P3.0 Million;Maximum of P50.0 Million for the 1 st year with SB Corporation; double of first year for succeeding years with SB Corp. Loan Availment per Drawdown Large Micro Finance-Oriented Institutions Minimum of 5% of credit line; Maximum of 20% of credit line Medium Micro Finance-Oriented Institutions Minimum of 5% of credit line; Maximum of 20% of credit line Interest Rate: Large Micro Finance-Oriented Institutions 2.5% points less than retail lending rate Medium Micro Finance-Oriented Institutions 2.0% points less than retail lending rate Service Fees: Large Micro Finance-Oriented Institutions: o Evaluation Fee (once a year) 0.05% of loan amount o Availment Processing Fee 0.1% of availment o Out-of-town Processing Fee same as retail lending Medium Micro Finance-Oriented Institutions: o Evaluation Fee (once a year) 0.05% of loan amount o Availment Processing Fee 0.1% of availment o Out-of-town Processing Fee same as retail lending Total Effective Rate (excluding out-of-town processing fee): Large Micro Finance-Oriented Institutions 9.15% per annum Medium Micro Finance-Oriented Institutions 9.65% per annum

Program Title: MICRO-LENDING THROUGH RURAL BANKS (MICRO-LOCAL) Eligible Borrowers: Micro, Small and Medium Enterprise (MSME)-Oriented Rural Banks o May be a start-up in micro-finance, but minimum of three (3) years as a bank o Minimum number of micro-finance clients: If a start-up, should plan for at least fifty (50) clients o Minimum manpower in micro-finance operations: If a startup, should plan for at least three (3)
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o o o

Minimum asset size: Per BSP guidelines Minimum current ratio of 1:2 Maximum debt-equity ratio after loan: Per BSP guidelines

Loan Purpose: For re-lending to microentrepreneurs. Terms/Requirements: Amounts: Minimum of P200,000.00; Maximum of P50.0 Million for the 1st year with SB Corp; double of first year for succeeding years with SB Corp Loan Availment per Drawdown Minimum of P100,000.00; Maximum of P2.0 Million or 20%, whichever is higher Interest Rate: Retail lending rate less 0.5% if start-up in micro-finance; up to 2.5% points less Service Fees: Evaluation Fee (once a year) 0.1% of loan amount but not less than P3,000.00 Availment Processing Fee 0.25% of availment but not less than P1,000.00 Out-of-town Processing Fee same as retail lending Total Effective Rate (excluding out-of-town processing fee): Large Micro Finance-Oriented Institutions 9.35% per annum minimum; 11.35% p.a. maximum

Program Title: MICRO-LENDING THROUGH SMALL MICRO FINANCE INSTITUTIONS AND COMMUNITY COOPERATIVES (MICRO-LEAP) Eligible Borrowers: NGOs/Peoples Organizations/Community Cooperatives Community Cooperatives o Minimum track record in micro-finance: one (1) year lending to members o Minimum number of micro-finance clients: 20 members lent to o Minimum manpower in micro-finance operations: two (2), one of whom may be part-time
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o o o

Minimum asset size of P500,000.00; with net worth of at least P300,000.00 Minimum current ratio of 1:2 Maximum debt-equity ratio of 70:30 after loan

Lower Qualification Conduits o Minimum track record in micro-finance: one (1) year o Minimum number of micro-finance clients: twenty (20) o Minimum manpower in micro-finance operations: two (2), one of whom may be part-time o Minimum asset size of P300,000.00 (applicable to 20 priority provinces) o Minimum current ratio of 1:2 o Maximum debt-equity ratio of 70:30 after loan Loan Purpose: For re-lending to microentrepreneurs. Terms/Requirements: Amounts: Community Cooperatives Minimum of P200,000.00; Maximum of P10.0 Million for the 1st year with SB Corp; Double of first year for succeeding years with SB Corp Lower Qualification Conduits Minimum of P200,000.00; Maximum of P5.0 Million for the 1st year with SB Corporation; Double of first year for succeeding years with SB Corp. Loan Availment per Drawdown Community Cooperatives Minimum of P100,000.00; Maximum of P2.0 or 20%, whichever is higher Lower Qualification Conduits Minimum of P100,000.00; Maximum of P1.0 or 20%, whichever is higher Interest Rate: Community Cooperatives 1.5% points less than retail lending rate Lower Qualification Conduits 0.5% point less than retail lending rate Service Fees: Community Cooperatives: o Evaluation Fee (once a year) 0.2% of loan amount but not less than P3,000.00 o Availment Processing Fee 0.5% of availment but not less than P1,000.00 o Out-of-town Processing Fee same as retail lending

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Lower Qualification Conduits: o Evaluation Fee (once a year) 0.5% of loan amount but not less than P3,000.00 o Availment Processing Fee 0.5% of availment but not less than P1,000.00 o Out-of-town Processing Fee same as retail lending Total Effective Rate (excluding out-of-town processing fee): Community Cooperatives 10.7% p.a. Lower Qualification Conduits 12.0% p.a.

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SMALL AND MEDIUM ENTERPRISE (SME) FINANCING PROGRAMS

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ASIATRUST DEVELOPMENT BANK 1424 Quezon Avenue, Quezon City Contact Details: Ms. Cindy C. Viola Branch Credit Group Phone: (632) 924.5680 924.5650 Program Title: BANK CARRY TERM LOAN Program Objective: To bridge the gap of payables and receivables of small and medium enterprises. Eligible Borrowers: Single Proprietorship Partnership Corporation Businessmen/Entrepreneurs Loan Purposes: Permanent Working Capital Acquisition of Fixed Assets Renovation/Expansion Terms/Requirements: Amount: Depends on the actual requirement. Prevailing market rates.

Interest Rate:

Maturity / Repayment: One to five years or depending on the actual requirement and cash flow of the company. Principal Equal monthly/quarterly amortization. Interest Monthly/quarterly payment, based on diminishing balance. Security: Real Estate Properties or Chattel Mortgage; Postdated Checks (PDCs) of the borrower; and Continuing Suretyship of the Principals.

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Program Title: SHORT TERM LOAN Program Objectives: To bridge the gap of payables and receivables of small and medium enterprises. Eligible Borrowers: Single Proprietorship Partnership Corporation Businessmen/Entrepreneurs Loan Purpose: For working capital requirement. Terms/Requirements: Amount: Depends on actual requirement. Interest Rate: Prevailing market rates. Maturity / Repayment: One year Principal Lumpsum upon maturity with provision for rollover. Interest Monthly interest payment. Security: Real Estate Properties or Chattel Mortgage; Postdated Checks (PDCs) of the borrower; and Continuing Suretyship of the Principals.

Program Title: DISCOUNTING LINE / RECEIVABLES DISCOUNTING Program Objective: To bridge the gap of payables and receivables of small and medium enterprises through: Discounting Line involves discounting of third party postdated checks. Receivables Discounting involves discounting of different types of receivables like purchase orders or sales contract. Eligible Borrowers: Single Proprietorship Partnership Corporation Businessmen/Entrepreneurs

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Loan Purpose: Discount receivables for working capital. Terms/Requirements: Amount: Depends on actual requirement. Interest Rate: Prevailing market rates. Availment: Co-terminus with the life of Receivables Maturity / Repayment: One year from date of approval. Principal Lumpsum upon maturity. Interest Discounted upon availment. Security: Real Estate Properties or Chattel Mortgage (optional). Deed of Assignment of Receivables; Third party postdated checks for check rediscounting; Postdated Checks (PDCs) of borrower; and Continuing Suretyship of the Principals.

Program Title: DOMESTIC LETTER OF CREDIT / TRUST RECEIPT Program Objective: To provide a credit facility to a client, whereby the payment of which is to be made to the beneficiary (seller) against presentation of commercial documents. The payment to the beneficiary is guaranteed by the bank, provided all documents conform with the terms and conditions of the credit. Eligible Borrowers: Single Proprietorship Partnership Corporation Businessmen/Entrepreneurs Loan Purpose: For domestic purchase of raw materials. Terms/Requirements: Amount: Depends on the actual requirement. Interest Rate: Prevailing market rates upon Trust Receipt date.

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Availment: Via Trust Receipts for 90 days, renewable for another 90 days, subject to 25% partial payment on principal and subject to inspection if goods under TR are still present. Charges: Opening Commission of 1/4 of 1% for the first 60 days and 1/8 of 1% every month, thereafter, and Negotiation fee of 1/8 of 1%. Maturity / Repayment: One year from date of approval. Security: Trust Receipts on goods purchased via LC; Marginal Deposit of 20%; Postdated Checks (PDCs) of the borrower; and Continuing Suretyship of the Principals.

Program Title: IMPORT LETTER OF CREDIT / TRUST RECEIPT Program Objective: This facility is offered to clients who are engaged in the importation of raw materials or products for manufacturing, wholesale or retail trading. Eligible Borrowers: Single Proprietorship Partnership Corporation Businessmen/Entrepreneurs Loan Purpose: For domestic purchase of raw materials. Terms/Requirements: Amount: Depends on the actual requirement. Interest Rate: Prevailing market rates upon Trust Receipt date. Availment: Via Trust Receipts for 90 days, renewable for another 90 days, subject to 25% partial payment on principal and subject to inspection if goods under TR are still present.

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Charges: Opening Commission of 1/4 of 1% for the first 60 days and 1/8 of 1% every month, thereafter, and All other charges relative to the LC opening for the account of the borrower. Maturity / Repayment: One year from date of approval. Security: Trust Receipts on goods purchased via LC; Marginal Deposit of 20%; Postdated Checks (PDCs) of the borrower; and Continuing Suretyship of the Principals. Asiatrust Development Bank is also accredited in the various special lending programs of government: Development Bank of the Philippines Industrial & Support Services Expansion Program Industrial Guarantee Loan Fund Japan Export Import Land Bank of the Philippines Countryside Loan Fund 1 & 2 Countryside Loan Fund 3 Agricultural Loan Fund Social Security System Kabalikat sa Pagpapaunlad ng Industriya (KASAPI) SSS Tourism Project SSS Power Generation Programs SSS School Financing Program SSS Hospital Financing Program SSS Special Financing Program

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BPI FAMILY SAVINGS BANK Head Office, 109 Dela Rosa St. corner Paseo de Roxas Avenue Makati City Program Title: GROW YOUR SME BUSINESS LOAN Program Objective: To allow small and medium enterprises (SMEs) easy access to credit. Eligible Borrowers: SMEs (may be a single proprietorship, partnership or corporation) With at least three (3) years of business operation Loan Purposes: Purchase/Construction/Renovation of a commercial property; Purchase/Construction/Renovation of residential property for lease or re-sale; Business expansion; Permanent working capital; and, Refinancing of existing loan or mortgage. Terms/Requirements: Amount: Minimum of P1.0 Million Maximum: Lot 50% of appraised value of collateral With Improvements 60% of appraised value of collateral Interest Rate: 1 year 10.75% 2 years 11.25% 3 years 11.50% 5-12 years 12% Maturity/Loan Term: Maximum of 12 years. Security: Real Estate Mortgage (REM) and other acceptable collaterals Contact Details: Hotline: 754.6880 Ms. Emma Balderrama Ms. Tere Reyes Ms. Perlu Reyes

(632) 754.6324 (632) 754.6424 (632) 754.6872

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DEPARTMENT OF SCIENCE AND TECHNOLOGY (DOST) Bicutan, Taguig, Metro Manila Program Title: SMALL ENTERPRISE TECHNOLOGY UPGRADING PROGRAM (SET-UP) Program Objectives: To improve productivity of participating firms; To have higher quality products meeting world standards; To develop vibrant markets (local and abroad) for otherwise traditionally produced/ethnic goods; To focus on community-based activities that completes the supply chain requirement of participating firms that will produce the volume needed to attract significant demand and encourage the establishment of the necessary support facilities and services critical for penetrating and sustaining markets for the product; To increase employment opportunities in rural areas; and, To improve socio-economic conditions in rural areas. Applicants: Any company or individual firm based in the Philippines and wholly owned by Filipino citizen. Any small and medium enterprise classified under the identified priority sectors such as: Food Processing, Furniture, Natural Fibers and Dyes, Marine and Aquatic Resources, Horticulture, and Metals and Engineering Individual firm willing to put up a counterpart cost on the technological intervention. The firms may be individual or a collective effort to address the total process to put the product in the shelf. Terms/Requirements: Full-blown project proposal to include aspects on technical, marketing, management/administrative, financial, and waste disposal; Copy of business permit and licenses (LGU); Certificate of Registration of Business Name with DTI, SEC or CDA; Board Resolution authorizing the borrowing and designating authorized signatories for the financial assistance (if applicable); Endorsement of the DOST Regional Director; and, Three quotations from suppliers/ fabricators if equipment is needed. Refund Period: Maximum of three years following the amortization schedule. SET-UP National Program Management Office Phone: (632) 837.7531 e-mail: setup@dost.gov.ph
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DEVELOPMENT BANK OF THE PHILIPPINES (DBP) Head Office: Sen. Gil J. Puyat Ave. cor. Makati Avenue, Makati City Program Title: DBP LENDING PROGRAM FOR MICRO SMALL AND MEDIUM ENTERPRISES Program Objective: To provide assistance to sectors considered to be the backbone of our economy the Micro, Small and Medium Enterprises. Eligible Borrowers: Small and Medium-sized Enterprises (SMEs); Microfinance Institutions (MFIs) and Participating Financial Institutions (PFIs) Micro-enterprises through MFIs/PFIs Local Government Units (LGUs) SME projects must be engaged in the following sectors: manufacturing,support industries, trading, sevice, communications, computer software, transportation and transport services, storage and warehousing facilities, and education linked to manufacturing Loan Purposes: For SMEs: o Fixed Asset Acquisition; acquisition/construction of building acquisition of machinery/equipment o Investment in construction, expansion and modernization of new and existing capacities as well as related consultancy services; o Acquisition of machinery/equipment, new technology including spare parts, components, industrial machinery and software packages; o Investment to enhance research and development, innovation efforts including training that would improve and strengthen competitiveness of products; o Start-up capitalization; o Refinancing; o Factoring; and, o Permanent working capital for stock of raw materials, supplies and other requirements needed. For Micro-Enterprises fixed asset acquisition and working capital For LGUs fixed asset acquisition

46

Terms/Requirements: Amount: For SMEs o For importation of fixed asset up to 100% of investment cost and a maximum EUR 2.56 Million or P170 Million for importation of fixed assets o For local procurement of fixed asset up to 80% of investment cost and a maximum of P100 Million o For working capital loans accompanied by fixed asset up to P50 Million, or 50% of the loan amount, whichever is lower o For stand-alone working capital up to P50 Million For micro-enterprises up to P150,000.00 For LGUs up to 90% of investment cost with a maximum of EUR 3 MM Interest Rate: Prime Fixed Rate Maturity / Repayment: For SMEs up to fifteen (15) years with a grace period of five (5) years. For micro-enterprises up to three (3) years For LGUs up to ten (10) years with three (3) years grace period Program Partners: Please inquire with DBP Head Office and Branches for the requirements and for the list of the DBP-accredited Participating Financial Institutions (PFIs). Contact Details: HEAD OFFICE: Trunkline: 818.9511 to 20 Program Development I: Local 3503/3504 Direct Line: 893.4444 Program Development II: Local 3317/3318 Direct Line: 817.0473 Corporate Banking I: Local 3210/3211 Direct Line: 813.2730 Corporate Banking II: Local 3207/3208 Direct Line: 818.5382 Corporate Banking III: Local 3418/3419 Direct Line: 813.6428 Fund Sourcing: Local 2304/3320 Direct Line: 815.0916

Fax: 893.5380 Fax: 815.1517 Fax: 893.8906 Fax: 812.9986 Fax: 812.3618 Fax: 815.1611

SOUTH LUZON Area Management Office DBP Bldg., Commonwealth Avenue, Diliman, Quezon City 1115 Phone: (02) 920.4904; 920.4708; 920.4905 920.4717 e-mail: amost@devbankphil.com.ph
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NORTH LUZON Area Management Office Doa Isa-Fel Bldg., Dolores, San Fernando, Pampanga 2009 Phone: (045) 961.5834 961.5493 e-mail: amocl@devbankphil.com.ph VISAYAS Area Management Office Osmea Boulevard, Cebu City 6000 Phone: (032) 254.9163 255.6325 255.6321 e-mail: amocv@devbankphil.com.ph MINDANAO Area Management Office DBP Building, Tirso Neri & Corrales Sts. Cagayan de Oro City 9000 Phone: (08822) 72.2647 72.3813 72.2648 (088) 856.4517 856.4551 e-mail: amo-nm@devbankphil.com.ph

Program Title: DBP LENDING PROGRAM ON ENVIRONMENT Program Objective: To support investments in projects that contribute to the improvement of the quality of environment through reduction or prevention of pollution. Eligible Borrowers: Private enterprises, at least 70% Filipino-owned Local Government Units (LGUs) Government Owned & Controlled Corporations (GOCCs) Non-Government Organization (NGOs) Participating Financial Institutions (PFIs) Eligible Projects: Industrial pollution prevention/reduction projects o Cleaner technology investments o Pollution abatement technologies Solid waste management o Open to controlled dumpsites o Sanitary landfill o Materials recovery facilities o Waste segregation/reduction Efficient use of natural resources o Watershed/Forest management o Eco-tourism Carbon emission reduction/carbon sequestration projects

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Loan Purposes: Purchase of equipment Initial working capital Terms/Requirements: Amount: For LGUs up to 90% of total project cost For Private Enterprises up to 80% of total project cost Interest Rate: Prime Fixed Rate Maturity / Repayment: Up to 15 years with grace period of up to 3 years Commitment Fee: 0.25% to 0.50% of undisbursed loan amount Program Partners: Please inquire with DBP Head Office and Branches forthe requirements and for the list of the DBP-accredited Participating Financial Institutions (PFIs). Contact Details: Same as the contact details of the DBP Lending Program for Micro, Small and Medium Enterprises.

Program Title:

DBP LENDING PROGRAM ON POWER

Program Objective: To provide adequate, affordable and reliable energy services, in partnership with the private sector by providing assistance in implementing the priority reforms and investments necessary to substantially improve the state of the power sector. Eligible Borrowers: Private enterprises, at least 70% Filipino-owned Local Government Units (LGUs) Government Owned and Controlled Corporations (GOCCs) Electric Cooperatives Non-Government Organizations (NGOs) Participating Financial Institutions (PFIs) Micro-Finance Institutions (MFIs) Eligible Projects: Generation/Transmission/Distribution New and renewable energy and other technologies o Solar o Biomass o Wind o Hydro o Geothermal

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Energy efficiency o Upgrading & systems loss reduction Conventional power generation (i.e. diesel, bunker fuel) Loan Purposes: Capital Investment Working Capital Interest during construction period Consultants Services Acquisition of existing sub-transmission lines of NPC not previously financed by DBP Terms/Requirements: Amount: For LGUs or coops up to 90% of total project cost For private enterprises up to 80% of total project cost Maturity / Repayment: Up to 15 years with 5 years grace period Program Partners: Please inquire with DBP Head Office and Branches for the requirements and for the list of the DBP-accredited Participating Financial Institutions (PFIs). Contact Details: Same as the contact details of the DBP Lending Program for Micro, Small and Medium Enterprises.

Program Title:

DBP LENDING PROGRAM ON WATER

Program Objective: To assist selected LGUs to: Provide sustainable water and sanitation services; and Strengthen their institutional and technical capacity for planning, budgeting and financial management of local services including the water supply and sanitation. Eligible Borrowers: Private operators Local Government Units (LGUs) Water Districts Loan Purposes: Feasibility Study for water supply sanitation and sewerage investment Level 3 Water Supply System Sanitation Urban Drainage Consultancy services construction supervision Interest during the construction period
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Terms/Requirements: Amount: Up to 90% of total project cost

Interest Rate: Prime Fixed Rate Maturity / Repayment: Up to 15 years with 3 years grace period

Contact Details: Same as the contact details of the DBP Lending Program for Micro, Small and Medium Enterprises.

Program Title: DBP LENDING PROGRAM ON SUSTAINABLE LOGISTICS DEVELOPMENT Program Objective: To bring about cost effective ways of moving people and goods particularly grains, perishables including fish, meat, fruits and vegetables. Eligible Borrowers: Private Enterprises, at least 70% Filipino-owned Local Government Units (LGUs) Government-Owned and Controlled Corporations (GOCCs) Participating Financial Institutions Eligible Projects: RORO Terminal Systems o RORO vessels o RORO terminal facilities o Other related maritime project Grains o Grains processing centers o Bulk trucking o Grains terminal o Bulk carriers o Other post-harvest facilities Cold Chain o Processing and marketing centers o Aggregating centers o Reefer vans/transport equipment o Other cold storage facilities Regular Shipping o Vessel acquisition o Port development o Cargo handling equipment and other port facilities o Maritime schools investment projects o Shipyard/ship repair/ship building
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Terms/Requirements: Amounts: At least P500,000 and up to P600 Million Equity Participation: For LGUs Minimum of 10% of total project cost. For Private Enterprises Minimum of 20% of total project cost. Interest Rate: Prime Fixed Rate

Maturity / Repayment: Up to 15 years with a grace period of up to 3 years Program Partners: Please inquire with DBP Head Office and Branches for the requirements and for the list of the DBP-accredited Participating Financial Institutions (PFIs). Contact Details: Same as the contact details of the DBP Lending Program for Micro, Small and Medium Enterprises.

Program Title: DBP LENDING PROGRAM ON HOUSING HEALTHCARE & EDUCATION Eligible Borrowers: Private enterprises, at least 70% Filipino-owned Local Government Units (LGUs) Non-Governmental Organizations (NGOs) Cooperatives Eligible Projects: Housing o Site development o Upgrading o Socialized housing o Special housing projects o Employees housing o Home improvement Healthcare o Hospital building o Hospital equipment and logistics o Laboratories o Staff skills and knowledge development

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Education o School building o Classroom provision/upgrading o Laboratories, workshop areas o Staff skills and knowledge development o School-related logistics Terms/Requirements: Amount: For LGUs up to 90% of the total loan amount For private enterprises up to 80% of the total loan amount Interest Rate: Prime Fixed Rate

Maturity / Repayment: For housing up to 15 years with 3 years grace period For healthcare up to 10 years with 3 years grace period For education up to 7 years Contact Details: Same as the contact details of the DBP Lending Program for Micro, Small and Medium Enterprises.

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EQUITABLE PCI BANK Equitable PCI Bank Towers, Makati Avenue corner H.V. Dela Costa St., Makati City Program Title: CREDIT-ON-HAND (COH) CREDIT LINE TERM LOAN Program Objective: To allow SMEs easy access to credit via the issuance of COH checks in lieu of promissory notes. Eligible Borrowers: SMEs (may be a sole proprietorship, partnership or corporation); With at least 2 years of profitable operation; and, Preferably an existing depositor of Equitable PCI Bank. Loan Purposes: For working capital or business expansion. Terms/Requirements: Amount: Minimum of P1.0 Million; Maximum of P10.0 Million

Interest Rate: Prevailing market rates; spread over pass-on rates for accounts enrolled under funding/guaranty programs. Maturity / Repayment: One (1) year for Credit Lines; up to five (5) years for Term Loans Security: Registered Real Estate Mortgage Assignment of Deposits Program Partners/Conduit: Accredited with the Social Security System (SSS), Development Bank of the Philippines (DBP), Land Bank of the Philippines (LBP) and SB Corporation. Contact Details: Equitable PCI Bank Small Business Division (SBD) SBD-Head Office 840.7685 840.2054 840.7793 SBD-Caloocan 366.8537 363.5674 363.5657 SBD-Binondo 242.9427 242.7101 local 3676 to 77 SBD-Baliwag (044) 673.2586 (044) 766.3171 to 72 SBD-Tuguegarao (078) 846.2250 SBD-Santiago-Isabela (078) 682.6101 SBD-San Fernando-La Union (072) 700.2315 SBD-Gorordo-Cebu City (032) 232.1500 loc 322, 320, 317
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SBD-Tacloban (053) 325.3026 SBD-Capitol Shopping-Bacolod (034) 433.1206 (034) 433.4652 SBD-Valeria-Iloilo Branch (033) 337.0196 SBD-Velez-Cagayan de Oro (088) 857.1570 SBD-Magallanes St.-Surigao (086) 826.0339 SBD-Del Pilar-Iligan Branch (063) 221.5115 SBD-C.M. Recto-Davao Branch (082) 227.4885 SBD-Pioneer St.-Gen. Santos (083)552.7524

(034) 433.9770

(083) 552.2867

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EXPORT AND INDUSTRY BANK Export Bank Plaza, Export Bank Drive Corner Chino Roces Avenue, Makati City Program Title: EXPORT TRADE FINANCING Program Objective: To provide pre and post shipment working capital via EXPORT ADVANCE LOAN (EAL) and EXPORT BILLS PURCHASE (EBP). Eligible Borrowers: Exporters (direct/indirect) of various industry sectors (furniture, gift, toys, housewares, Christmas decors, garments, fine jewelries, and food among others) whether single proprietorship, partnership or corporation Loan Purpose: working capital requirement for pre and post shipment Terms/Requirements: Amount: Up to 70% of Letter of Credit (L/C), Purchase Order (PO), Sales Confirmation (SC), Pro Forma Invoice (PI), Placement Memorandum (PM) Interest Rate: Bangko Sentral ng Pilipinas (BSP) Rediscounting Rate up to 90 days. Prevailing Trade Rate for over 90 days Maturity / Repayment: LC expiry date/15 days after shipment date for PO, SC, PI, PM Security: Real Estate Mortgage (REM), Chattel Mortgage (CHM) Guarantee Cover thru Small Business Corporation or thru Philippine Export-Import Credit Agency (PHILEXIM) Continuing Suretyship of Principal Owners Post dated checks (PDCs) Program Partners/Conduit: Rediscounting Bangko Sentral ng Pilipinas (BSP) Guarantee SB Corporation, PHILEXIM Contact Details: Luellia E. Cayas Business Manager Phone: 878.0200 e-mail: lecayas@exportbank.com.ph
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Katrina B. Sanvictores Commercial Banking Head Phone: 878.0211 Fax: 878.0249 e-mail: kbsanvictores@exportbank.com.ph Program Title: DOMESTIC TRADE FINANCING Program Objective: To provide working capital for Local Trade Transactions. Eligible Borrowers: Manufacturers (direct/indirect), Traders, Distributors of various industry sectors (furniture, gift, toys, housewares, Christmas decors, garments, fine jewelries, and food among others) whether single proprietorship, partnership or corporation Loan Purposes: Working capital requirement Inventory financing Terms/Requirements: Amount: Up to 70% of Domestic Letter of Credit (L/C), Purchase Order (PO), Sales Confirmation (SC), Pro Forma Invoice (PI), Placement Memorandum (PM) Interest Rate: Prevailing commercial rate at the time of booking

Maturity / Repayment: LC expiry date/15 days after shipment date for PO, SC, PI, PM Security: Real Estate Mortgage (REM), Chattel Mortgage (CHM) Guarantee Cover thru Small Business Corporation Continuing Suretyship of Principal Owners Post dated checks (PDCs) Program Partner/Conduit: Small Business Corporation Contact Details: Luellia E. Cayas Business Manager Phone: 878.0200 e-mail: lecayas@exportbank.com.ph
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Katrina B. Sanvictores Commercial Banking Head Phone: 878.0211 Fax: 878.0249 e-mail: kbsanvictores@exportbank.com.ph Program Title: IMPORT TRADE FINANCING WITH TRUST RECEIPT FACILITY Program Objective: To provide Credit Facility for opening of Import Letter of Credit (ILC) and Documents Against Acceptance/Documents Against Payment Eligible Borrowers: Importers of various industry sectors, whether single proprietorship, partnership or corporation Loan Purpose: For importation of raw materials Terms/Requirements: Amount: Depending on actual requirement Prevailing trade rate

Interest Rate:

Maturity / Repayment: Short term Security: 20% Marginal Deposit Continuing Suretyship of Principal Owners Post dated checks (PDCs) Program Partner/Conduit: Philippine Export-Import Credit Agency (PHILEXIM) Contact Details: Luellia E. Cayas Business Manager Phone: 878.0200 e-mail: lecayas@exportbank.com.ph Katrina B. Sanvictores Commercial Banking Head Phone: 878.0211 Fax: 878.0249 e-mail: kbsanvictores@exportbank.com.ph
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Program Title: TRADE FAIR FINANCING Program Objective: Short term loan to support participation in domestic/ local and foreign trade shows. Eligible Borrowers: Exporters (direct/indirect) / Retailers of various industry sectors (furniture, gift, toys, housewares, Christmas decors, garments, fine jewelries, and food among others) whether single proprietorship, partnership or corporation Loan Purpose: Trade show financing Terms/Requirements: Amount Up to 60% of the cost of trade show/fair participation; Maximum of P200,000.00 for domestic show and P300,000.00 for international show. Interest Rate: Commercial rate at the time of booking

Maturity / Repayment: Payable in six (6) and ten (10) months for domestic and international shows, respectively. Security: 20% Cash Margin on loan amount Post dated checks (PDCs) Program Partner/Conduit: Philippine Export-Import Credit Agency (PHILEXIM) Luellia E. Cayas Business Manager Phone: 878.0200 e-mail: lecayas@exportbank.com.ph Katrina B. Sanvictores Commercial Banking Head Phone: 878.0211 Fax: 878.0249 e-mail: kbsanvictores@exportbank.com.ph

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FOUNDATION FOR A SUSTAINABLE SOCIETY, INC. (FSSI) Unit E, 46 Samar Avenue cor. Eugenio Lopez Street, South Triangle Quezon City Program Title: COCO COIR BUSINESS INTEGRATION AND DEVELOPMENT PROGRAM (COCOBIND) Program Objectives: To contribute to the creation of business and employment opportunities for the coconut farmers and their families. To contribute to the further development of the coco-coir industry in the country. Eligible Borrowers:: Non-Government Organizations (NGOs), Peoples Organizations (POs), Cooperatives, Federations, Unions, Industry Associations Private Individual/Single Proprietor Private Corporations Financial Products and Services: Loan (Term Loan, Credit Line) Guarantee Equity/Joint Venture Terms/Requirements: Amount: Minimum of P500,000.00; Maximum of P15.0 Million (Maximum of P5.0 Million for first time borrowers) Interest Rate: For NGOs, POs, Coops & Unions prevailing 364-day Treasury Bill Rates + 2% SF + RVAT For Private Social Enterprise prevailing 364-day Treasury Bill Rates + 4% SF + RVAT Maturity / Repayment: One to five years maturity in monthly, quarterly, semi-annual, or annual payments. Security: 75% Real Estate Mortgage or Chattel Mortgage Deed of Assignment Joint and Several Suretyship (JSS) Agreement Contact Details: Mr. Ariel Nones Phone/Fax: (632) 928.8671 e-mail: fssi@fssi.com.ph www. fssi.com.ph
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Program Title: SUSTAINABLE WASTE MANAGEMENT ECO-ENTERPRISE PROGRAM (SWEEP) Program Objective: To provide technical and business development support and financial services to stimulate and accelerate the development of viable and ecologically sound entrepreneurial activities in the waste management sector. Eligible Borrowers: Non-Government Organizations (NGOs), Peoples Organizations (POs), Cooperatives, Federations, Unions, Industry Associations Private Individual/Single Proprietor Private Corporations Financial Products and Services: Loan (Term Loan, Credit Line) Guarantee Equity/Joint Venture Terms/Requirements: Amount: Minimum of P500,000.00; Maximum of P15.0 Million (Maximum of P5.0 Million for first time borrowers) Interest Rate: For NGOs, POs, Coops & Unions prevailing 364-day Treasury Bill Rates + 2% SF + RVAT For Private Social Enterprise prevailing 364-day Treasury Bill Rates + 4% SF + RVAT Maturity / Repayment: One to five years maturity in monthly, quarterly, semi-annual, or annual payments Security: 75% Real Estate Mortgage or Chattel Mortgage Deed of Assignment Joint and Several Suretyship (JSS) Agreement Contact Details: Mr. Augusto Camba Associate Executive Director Phone/Fax: (632) 928.8671 e-mail: ac@fssi.com.ph URL: www.fssi.com.ph

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Mr. Reynante Maruquez Technical Officer Phone/Fax: (632) 928.8671 e-mail: rvmaruquez@fssi.com.ph Program Title: SUSTAINABLE PARTNERSHIP FOR ECO-ENTERPRISE DEVELOPMENT (SPEED) Program Objectives: To harness the entrepreneurial capacities of the marginalized sector through direct and effective delivery of financial and enterprise development services that are appropriate to community-based enterprises, development organizations and individual private social entrepreneurs. To provide assistance to those emerging enterprises that promote eco-enterprise principles and at present not covered by services within the Foundations sub-sector-specific programs. Eligible Borrowers: Non-Government Organizations (NGOs), Peoples Organizations (POs), Cooperatives, Federations, Unions, Industry Associations Private Individual/Single Proprietor Private Corporations Financial Products and Services: Loan (Term Loan, Credit Line) Guarantee Equity/Joint Venture Terms/Requirements: Amount: Minimum of P500,000.00; Maximum of P15.0 Million (Maximum of P5.0 Million for first time borrowers) Interest Rate: For NGOs, POs, Coops & Unions prevailing 364-day Treasury Bill Rates + 2% SF + RVAT For Private Social Enterprise prevailing 364-day Treasury Bill Rates + 4% SF + RVAT Maturity / Repayment: One to five years maturity in monthly, quarterly, semi-annual, or annual payments

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Security: 75% Real Estate Mortgage or Chattel Mortgage Deed of Assignment Joint and Several Suretyship (JSS) Agreement Contact Details: Mr. Arlen Barrameda Senior Program Officer Phone/Fax: (632) 928.8671 e-mail: arlen@fssi.com.ph Mr. Amado Reclusado, Jr. Project Officer Phone/Fax: (632) 928.8671 e-mail: areclusado@fssi.com.ph

Program Title:

FUND FOR A SUSTAINABLE CIVIL SOCIETY (FSCS)

Program Objectives: To generate and mobilize resources: Towards enabling civil society organizations to engage in sustainable livelihood and eco-enterprise development projects or activities with the active participation/and for the benefit of the poor and marginalized sectors in rural and urban communities; and To support building the capacity initiative of poor communities and consolidate the infrastructure of CSOs (sectoral or multisectoral) based on solidarity that would lead to planned actions that could influence policies or larger events focused on asset reform, development financing, environment protection and promotion of gender equity. Eligible Borrowers: Philippine-based and Philippine-managed Non-Governmental Organizations (NGOs), Peoples Organizations and Cooperatives that are duly registered with recognized or official accreditation bodies and have sound reputation among colleague-organizations in their respective regions of origins

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Financial Products and Services: Start-Up Eco-Enterprise Development (SEED) Grant Window 1 Capacity Building Grant Window 2 Advocacy Grant Window 3 Terms/Requirements: Grant Window 1: Supports start-up eco-enterprises and livelihood initiatives up to a maximum grant of P1.5 Million with 2 to 3 years project period limit; grant recipients are encouraged to donate back to the FSCS grant facility the same amount used as direct investment once the project started to generate income. Grant Window 2: Projects and activities concerning human resource competency, business planning, technology, market, and product development; maximum grant amount is P500,000.00 Grant Window 3: Supports advocacy projects/activities that pertain to Asset Reform, Gender and Environment, and Development Financing that are part of or would contribute to a larger development initiatives or programs; should help strengthen existing eco-enterprises of the communities or lead to the creation of new eco-enterprises; maximum grant amount is P100,000.00. Proponents could only avail of the grant assistance once a year or after the end of project term for SEED projects with more than one (1) year project duration. Project proponents are required to provide project equity of at least 25% of the total project cost. FSCS shall fund direct project cost and encourage proponents to shoulder administrative and personnel costs as part of their counterpart. Contact Details: Mr. Arlen Barrameda Senior Program Officer Phone/Fax: (632) 928.8671 e-mail: arlen@fssi.com.ph Mr. Amado Reclusado, Jr. Project Officer Phone/Fax: (632) 928.8671 e-mail: areclusado@fssi.com.ph

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GOVERNMENT SERVICE INSURANCE SYSTEM (GSIS) GSIS Building, Financial Center, Roxas Boulevard, Pasay City Program Title: GSIS SPECIAL FINANCING PROGRAM Program Objectives: To address the unavailability of credit facilities to the business sector through wholesale lending to Land Bank of the Philippines. To stimulate business activity by providing term loans to small and medium enterprises. Eligible Borrowers: Start-up project/s new business/es. Existing business/es with assets of not more than P200.0 Million. Priority is given to export-oriented firms. Loan Purposes: Working capital. Construction of building. Acquisition of equipment and machinery. Terms/Requirements: Amount: Maximum of P50.0 Million.

Interest Rate: To be determined by the conduit bank. Maturity / Repayment: Maximum of seven years, inclusive of two years grace period on principal repayment. Security: Any collateral acceptable to the conduit bank.

Contact Details: Ms. Maria Lourdes M. Caballes Phone: (632) 891.6161 local 4323 Fax: (632) 551.1289 e-mail: mlmcaballes@gsis.gov.ph

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LAND BANK OF THE PHILIPPINES (LBP) 1598 M.H. Del Pilar corner Dr. J. Quintos Streets, Malate, Manila Program Title: EASY PONDONG PANG-ASENSO (EPPA) Program Objective: To provide financing to small entrepreneurs to set up, sustain, expand or improve their business with easier collateral requirements and simpler documentation procedures. Eligible Borrowers/Projects: Sole Proprietorships, Partnerships (100% Filipino-owned), and Corporations (at least 60% Filipino-owned) which meet the following criteria: Engaged in manufacturing, agribusiness, processing and services (including trading & merchandising); and, With asset size of above P3.0 Million up to P100.0 Million (excluding the value of the lot where the business is located). Loan Purposes: Working capital and fixed asset acquisition (except lot acquisition) Terms/Requirements: Amount: Up to 80% of the total project requirement Interest Rate: Based on prevailing market rate. Maturity / Repayment: Credit Line one year availability, renewable Term Loan based on cash flow of project/s financed with maximum of two (2) years grace period on principal payments Security: Real Estate/Chattel Mortgage (REM/CHM) Hold-out on Deposits Assignment of Receivables and/or Inventories JSS of Principal Stockholders/Officers Guarantee cover from Small Business Corporation (SB Corporation), if required Contact Details: Program Management Department (PMD) Phone: (632) 522.0000 (632) 551.2200 locals 2650, 2589 Direct Line: (632) 405.7309 (632) 405.7427 Fax: (632) 528-8541/42/43 e-mail: sme-pmu@mail.landbank.com
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Program Title: SPECIAL FINANCING ASSISTANCE TO SMALL AND MEDIUM EXPORTERS (SFA-SMEx) Program Objective: To provide adequate funds for the financing requirements of small and medium exporters endorsed by the PhilExport and Foreign Buyers Association of the Philippines (FOBAP). Eligible Borrowers: Small and medium exporters which meet the following criteria: Either sole proprietorships, Partnerships (100% Filipino-owned), and Corporations (at least 60% Filipino-owned) With asset size of above P3.0 Million up to P100.0 Million, excluding the value of the lot where the business is located Engaged in trading business Loan Purpose: Working Capital Terms/Requirements: Amount: Minimum of P500,000.00 and Maximum of P3.0 Million (may be increased to P5.0 Million on a case-to-case basis) Interest Rate: Based on prevailing market rate

Maturity / Repayment: Maximum of 180 days but not to exceed the latest expiry date or the latest shipment date of the Letter of Credit (LC) or Purchase Order (PO), whichever is earlier Security: Notarized assignment of proceeds of irrevocable/transferable LC and confirmed PO Only LCs and confirmed POs cleared by FOBAP shall be accepted; Execution of JSS by the President and Treasurer of the Corporation Postdated Checks (PDCs) to be issued by the borrower exporter Program Partner: Foreign Buyers Association of the Philippines (FOBAP) Contact Details: Program Management Department (PMD) Phone: (632) 522.0000 (632) 551.2200 locals 2650, 2589 Direct Line: (632) 405.7309 (632) 405.7427 Fax: (632) 528-8541/42/43 e-mail: sme-pmu@mail.landbank.com

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Program Title: SME UNIFIED LENDING OPPORTUNITIES FOR NATIONAL GROWTH (SULONG) Program Objectives: To simplify and standardize the lending procedures of government financial institutions (GFIs) thereby enhancing the SMEs access to needed funds; To shorten the list of documentary requirements to further facilitate the lending process; To create a wider, borderless financing system that will afford the SMEs greater access to short- and long- term funds; and, To lower the effective cost of borrowing by SMEs and liberalize the requirements. Eligible Borrowers: Enterprises in all industries except trading of imported goods, liquor, cigarettes, and extractive industries; and, Enterprises that are at least 60% Filipino owned, whose assets are valued at not less than P3.0 Million, but not more than P100.0 Million, excluding the value of the land, or subject to ownership rules as defined under existing Philippine laws for specific industries. Loan Purposes: Short-Term Loans For export financing (export packaging credit) or a credit line for temporary working capital Long-Term Loans For permanent working capital, purchase of equipment or lot, or construction of a building/warehouse Terms/Requirements: Amount: Short-term Loans Up to 70% of the value of the LC/PO (export packaging), or 70% of working capital requirement (temporary working capital); maximum P5.0 M Long-term Loans Up to 80% of the incremental project cost; maximum of P5.0 M Interest Rates: The participating GFIs will charge the same rate for the program based on a regular review. Rates of loan releases until January 31, 2006: o Short-term loans 9.5% o Medium-term loans 13.8% for loans of up to 3 years; 14.5% for loans over 3 years to 5 years Interest rates are revised periodically.

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Maturity / Repayment: Short-term loans Maximum of one year Long-term loans Maximum of five years, inclusive of a maximum one year grace period on principal monthly amortization Security: The program will not decline a loan only on the basis of inadequate collateral. However, the borrower must be willing to mortgage any available business and personal collateral, including assets to be acquired from the loan, to secure the borrowing. The following are acceptable collaterals: Registered/unregistered REM/CHM Assignment of life insurance Assignment of LC/PO or sales invoice (for export packing loans) For franchisees, the following may be considered: o Corporate guarantee o Assignment of lease rights Program Partners: Development Bank of the Philippines (DBP), National Livelihood Support Fund (NLSF), Philippine Export-Import Credit Agency (PhilEXIM), Quedan Corporation (Quedancor), and Small Business Corporation (SB Corporation). Contact Details: Program Management Department (PMD) Phone: (632) 522.0000 (632) 551.2200 locals 2650, 2589 Direct Line: (632) 405.7309 (632) 405.7427 Fax: (632) 528.8541/42/43 e-mail: sme-pmu@mail.landbank.com

Program Title: ACCELERATING CHANGE IN THE COUNTRYSIDE THRU EQUITY SHARING STRATEGY (ACCESS) Program Objective: To catalyze countryside development by promoting livelihood and rural employment, and by priming up local agri-related and off-farm economic projects to raise productivity and income in priority areas of the country. Program Components: Equity Investment Provision of Professional Management Team Technology Transfer and Marketing Assistance Equity Divestment

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Eligible Partners: Cooperatives/Federations; Farmers and Fisherfolk; Non-Government Organizations (NGOs); Private Entrepreneurs; Local Government Units (LGUs); and Other interested investors. Partners should have no adverse CI/BI reports. Eligibility Requirements: Agri-related and off-farm economic projects; Located outside National Capital Region (NCR) and Metro Cebu; however, projects located inside the mentioned areas may be considered if raw materials are sourced from outside the said places. IRR of at least 12% At least four stockholders (including Landbank) Equity Investment Features: Amount: Minimum of P1.0 Million; LBP Equity investment shall neither exceed P20.0 Million nor 35% of the total subscribed capital stock or 35% of total voting stock in a single enterprise, whichever is lower; provided that the total government equity shall not exceed 49% and foreign equity shall not exceed 40%. Investment shall be in Preferred Shares with voting power. Dividend Rate: Entitled to cumulative dividends (including undeclared/ unpaid dividends for the prior year/s), Dividend Rate based on 91-day T-Bill rate computed at the end of the calendar year Divestment: Shall be sold or redeemed at par value within a period of 15 years based on a schedule formulated by the Board of Directors considering the cash flow of the project. The corporation shall establish a sinking fund to ensure the redemption of Landbank shares.

Contact Details: Program Management Department (PMD) Phone: (632) 522.0000 (632) 551.2200 locals 2384 or 2376 Fax: (632) 528.8542 e-mail: LBP-PMD2@mail.landbank.com

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Program Title: RETAIL COUNTRYSIDE FUND (RCF I AND II) PROGRAMS Program Objective: A credit facility from World Bank made available in Pesos or US Dollars to private investment enterprises whose viable operations benefit the countryside. Proceeds of the loan fund will be directly relent to qualified sub-borrowers of LANDBANK through its commercial banking lending units (LUs). Eligible Sub-Borrowers: Sole Proprietorship Partnership Corporation (at least 70% Filipino-owned) Cooperative/Association Eligible Projects: RCF I Medium and long term needs of new or expansion subprojects located outside the National Capital Region (NCR) and Cebu City. o Agriculture and Agri-related activities; o Food or agro-processing ventures; o Manufacturing activity; o Service-oriented projects that support economic activity; o Environmental protection-related projects; o Tourism-related projects; o Production distribution (trading); and, o Property development project (socialized & low cost housing projects; commercial building for lease not more than 3storey high and lot area of not more than 1,000 sq. m.) RCF II Short, medium, and long term needs of new or expansion sub-projects and existing sub-projects located outside the NCR and Cebu City: o Agriculture and Agri-related activities; o Food or agro-processing ventures; o Manufacturing activity; o Service-oriented projects that support economic activity; o Environmental protection-related projects; o Tourism-related projects; o Product distribution (trading); and o Property development project (socialized & low cost housing projects; commercial building for lease not more than 3storey high and lot area of not more than 1,000sq. m.) Projects located in NCR and Cebu City are eligible provided these are engaged in agriculture and agri-related activities.

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Loan Purposes: RCF I o Working capital (initial and/or incremental); o Fixed asset investment (excluding acquisition of land); and, o The fund may reimburse expenditures made within 90 days prior to date of receipt of loan application. RCF II o Working capital (initial and/or incremental); o Fixed asset investment (excluding acquisition of land); o Special Financing Package which covers any or a combination of the following: - Extension of maturity period of existing loan; - Extension of grace period of existing loan; and/or, - Conversion of existing Dollar loan to Peso loan. - The fund may reimburse expenditures made within 120 days prior to date of receipt of loan application. Terms/Requirements: Amounts: RCF I o Sub-loan size for Peso Loan Minimum of P100,000.00; Maximum of P10.0 Million RCF II o Sub-loan size for Peso Loan o Minimum of P25,000.00 o Maximum of P100.0 Million (for priority projects) o Maximum of P50.0 Million (for other sectors) o Sub-loan size for Dollar Loan o Minimum of US$25,000.00 o Maximum of P50.0 Million or US$ equivalent Interest Rates: Floating/Variable rate Fixed rate (prevailing variable rate plus a premium based on the term of the loan) Maturity / Repayment: RCF I o Medium Term (over one year) Maximum of five years o Long Term (over five years) Maximum of 15 years (but not beyond September 15, 2015). RCF II o Short Term Maximum of one year o Medium Term (over one year) Maximum of five years o Long Term (over five years) Maximum of 15 years (but not beyond December 15, 2018)
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Security: Tangible collaterals or acceptable guarantees consistent with current banking practices, pertinent laws and BSP regulations. All collaterals shall be insured against loss and destruction caused by fire or other calamities during the term of the loan with the LANDBANK as the beneficiary. Fees and Charges: Commitment Fee: of 1% p.a. of the unavailed loan balance for loans of P5.0 Million and above Prepayment Fee: 3% of the amount prepaid Environmental Requirements: Project to be funded by RCF shall comply with all laws and regulations of the Philippines. The Environmental Unit shall review the environmental documents to determine if the project is environmentally acceptable.

Contact Details: Special Programs Management Department (SPMD) Phone: (632) 405.7339 (632) 551.2200 locals 2448, 7640, or 7339 Fax: (632) 528.8484 e-mail: vcalderon@mail.landbank.com

Program Title: ADB AIR POLLUTION CONTROL CREDIT FACILITY Program Objective: A credit facility from the Asian Development Bank available in Pesos to provide financing to private enterprises (sub-borrowers) for projects that will improve the air quality or reduce air emissions in the Metro Manila Air Shed (NCR, Rizal, Batangas, Cavite, Laguna, Quezon, Bulacan, Pampanga, Bataan) and other key cities (Cebu, Davao, etc.). Eligible Sub-Borrowers: Sole Proprietorship Partnership Corporation (at least 70% Filipino-owned) Multi-purpose cooperative Eligible Projects: Purchase/installation of air quality monitoring equipment; Purchase/installation of pollution control equipment; Procurement of new processes and other source equipment; and, Procurement of new and rehabilitation of an existing public transport fleet.
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Loan Purposes: Project-related expenses not exceeding 75% of the total costs shall be eligible for financing. The fund will be available for: Fixed asset acquisition and, Working capital (initial and/or incremental). Terms/Requirements: Amount: Maximum of Y611,475,000 or its equivalent in Pesos Interest Rates: Variable rate (with a one-time option to convert into a fixed rate) Fixed rate (prevailing variable rate plus premium, with no option to convert) The on-lending rate to the sub-borrower will be negotiated between LANDBANK and the sub-borrower. Maturity / Repayment: Maximum repayment of 12 years with a maximum grace period of 2 years and 3 quarters on principal payment. Security: Fully secured by tangible collaterals as required by LANDBANK. Fees and Charges: Commitment Fee: of 1% or 0.75% per annum Prepayment Penalty Fee: 0.125% of the principal amount of loan to be prepaid Sub-borrowers Qualifying Criteria: A debt to equity ratio within the 75:25 benchmark; A profitability track record of at least three (3) years, although start-up enterprises are also eligible; No ownership or labor disputes for the past three (3) years; An acceptable account profitability ratio of at least 3%; A satisfactory result in the credit, trade and background investigation; Fully secured by tangible collaterals as required by LANDBANK; Debt service cover of 1.25 times on an average basis over the term of sub-loan with a minimum of 1.00 time in any year; and, Each qualified project generating an annual positive cash flow equivalent to at least Y12,296,000 shall have a Financial Internal Rate of Return of at least equal to the cost of capital. Contact Details: Special Programs Management Department (SPMD) Phone: (632) 405.7339 (632) 551.2200 locals 2448, 7640, or 7339 Fax: (632) 528.8484 e-mail: vcalderon@mail.landbank.com
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Program Title: COUNTRYSIDE LOAN FUND PROGRAMS (CLF I, II, and III) Program Objectives: A wholesale credit facility from World Bank made available to Participating Financial Institutions (PFIs) for on-lending to eligible private investment enterprises: To provide financial support to the rural economies to emerge stronger from the financial crisis and resume sustained rapid economic growth in the near term; To support the government in its effort to alleviate rural poverty by accelerating private investments in the countryside to boost productivity, generate employment, and raise income; To provide further assistance through additional short, medium, and long term financial resources for viable investments in the rural areas; and To generate foreign exchange awareness or savings to improve the countrys balance of payment position. Eligible PFIs: Commercial Banks/Unibanks. Rural Banks. Thrift Banks. Non-bank financial institutions. Eligible Sub-Borrowers: Sole Proprietorships Partnerships Corporations (at least 70% Filipino-owned) Cooperatives/Associations Eligible Projects: Agriculture and agri-related productive activity; Food and agro-processing venture; Manufacturing activity that generates employment/export; Product distribution activity/Trading; Service-oriented project that supports economic activity; Environmental protection project; Tourism-related project; and Property development project: o CLF I & II Industrial Estate Development. o CLF I, II, & III Socialized and Low Cost Housing Projects, Commercial Building for lease with a gross/total floor area of not more than 15,000 sqm., including parking and other areas.

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Note: Projects for funding under the CLF Programs must comply with all the laws and regulations of the Philippines related to environmental protection. Eligible Sub-Project Location: CLF I & II Nationwide; sub-projects located in NCR should be engaged in agriculture and agri-related activities. CLF III Nationwide; sub-projects located in Cebu City and NCR should be engaged in agriculture and agri-related activities. Loan Purposes: Working Capital initial or incremental; Fixed Asset Investment construction, expansion, or rehabilitation of productive facilities excluding land purchase; and, Special Financing Package any or combination of the following: o Extension of maturity or grace period of existing loan, conversion of existing dollar loan to peso loan o Cost overruns due to price escalation/peso depreciation Terms/Requirements: Amounts: CLF I & II (Peso) Maximum of P300.0 Million (subject to fund availability). CLF III (Peso & US Dollar) o Maximum of P100.0 Million (SME, Non-SMEs provided engaged in agriculture, agri-related business, and environmental protection activities). o Maximum of P50.0 Million (all other eligible sub-projects). Interest Rates: LANDBANK to PFIs o Variable Rate Based on Weighted Average Interest Rate of 91- day Treasury Bills or floor price, whichever is higher. o Fixed Rate prevailing variable rate plus a premium based on the remaining term of loan (over 1 year to 5 years 1%; over 5 years 2%) PFI to Sub-borrower As negotiated between PFI and the subborrower

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Maturity / Repayment: CLF I Short Term Medium Term Long Term Up to one year Up to year 2011 CLF II Not available Up to year 2015 CLF III Up to one year. Up to five years. Up to year 2018

Up to five years. Up to five years.

Monthly or Quarterly payments. Security: Loans shall generally be secured by tangible collaterals (i.e., Real Estate/Chattel Mortgage, Mortgage Trust Indenture, Holdout on deposits, etc.) or acceptable guarantees consistent with current banking practices, pertinent laws and BSP regulations. Contact Details: Wholesale Lending Department Phone: (632) 405.7338/7239 (632) 551.2200 locals 2468 7338 2797, 7239, or 2707 Fax: (632) 528-8523 e-mail: plg@mail.landbank.com

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OPPORTUNITY MICROFINANCE BANK (OMB) OMB Building, Robinsons Homes East, Commercial Arcade-1 Robinsons Homes East, Circumferential Road, Barangay San Jose Antipolo City Program Title: SME LENDING PROGRAM Program Objective: To provide financing to small and medium enterprises for the maintenance and expansion of their business. Eligible Borrowers: Sole proprietorships, partnerships, and corporations engaged in manufacturing, agribusiness, processing and services including trading and merchandising; Track record showing profitability for at least 3 yrs; Engaged in business for the last 3 yrs; and, Individual borrower must be 21-64 years old at the time of application. Loan Purpose: Working capital for stock of raw materials, supplies & other requirements needed Acquisition of productive assets Construction, expansion, renovation & modernization of new and existing facilities Terms/Requirements: Amount: P151,000.00 to P5.0M Interest Rate: 24% per annum (diminishing balance) Maturity/Repayment: 6 months 60 months Security: Real Estate Mortgage Assignment of peso deposits Lease Right (if franchise) Mode of Payment: Semi-monthly or monthly through post-dated checks Contact Details: Trunkline No.: 630.0141 Bert Cabarloc local 229 Babes Lagos local 228 Nante Bulaon/Izza Romera local 222 Carol Nadres/Fe Nasol local 227
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PHILIPPINE BUSINESS FOR SOCIAL PROGRESS (PBSP) Philippine Social Development Center Magallanes corner Real Streets, Intramuros, Manila Program Title: SMALL AND MEDIUM ENTERPRISE CREDIT PROGRAM (SMEC) Program Objectives: To provide loans to SMEs through its accredited Intermediary Financial Institutions (IFIs) such as Thrift Banks, Rural Banks, Microfinance Institutions and Cooperatives as conduit for lending; and, To provide business support to IFIs and enhance their lending capabilities to improve SMEs productivity and competitiveness. Eligible Borrowers: Micro, small and medium enterprises who meet the following qualifications: For sole proprietorship - the owner must be a citizen or permanent legal resident of the Philippines; For corporation, partnership or business organization - Philippine nationals must own more than 50% of the enterprise; Have principal place of business in the Philippines; Have a 100% privately-owned business with total assets of between P150,000.00 to not more than P100 Million excluding land value. Loan Purposes: To finance investments of new and expansion of existing businesses for: acquisition of fixed assets such as land, building, machinery and equipment; payment for related services such as equipment installation, testing and start-up; and, working capital. Loan Amount, Interest, Repayment Terms and Security: Subject to discussion/negotiation by the Borrower with the IFI. Contact Details: Unit Head Phone: (632) 527.7741 to 48 Telefax: (632) 527.3751 e-mails: pbsp@pbsp.org.ph www.pbsp.org.ph

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PHILIPPINE EXPORT-IMPORT CREDIT AGENCY (PHILEXIM) 17th Floor, Citibank Tower, Valero Street, Makati City Contact Details: Account Management SME - (NCR) : Ms. Evelyn M. Gatchalian 893.0300 SME - (REGIONAL) : Mr. Alex Arabis 893.4974 (Direct Line) Fax Numbers : 893.4474/893.4480 DIRECT LENDING PROGRAMS (DLP) Program Title: SPECIAL CREDIT FACILITY FOR EXPORT DEVELOPMENT (SCFED) Program Objective: To extend short-term loans to small scale exporters to fund their preshipment and postshipment export financing requirements. Eligible Borrowers: Direct Exporter; o Successful export performance in the immediately preceding 12 months in a particular product area to be financed with a minimum export volume of US$50,000.00 within said period o At least 50% of revenues in the immediately preceding 12 months is derived from export sales of its products or services. Indirect Exporter; o Indirectly exporting in the immediately preceding 24 months in the particular product area to be financed o Profitable operations in the immediately preceding 24 months No substantial derogatory record on firm, its principals and officers; Satisfactory credit performance; Minimum networth of P500,000.00; and, Maximum debt-equity ratio of 4:1 after financing . Types of Credit Accommodation: Transactional Loan case-to-case preshipment working capital loans, availments of which shall be against export/domestic L/ C(s)/CPO(s) or purchase of export/domestic bills or postshipment loans. Revolving Line a twelve-month revolving credit line that may be availed of as in transactional loan

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Terms/Requirements: Loan Limit: Preshipment Working Capital Loan Actual production needs but not to exceed 80% of the value of the Letter of Credit (LC)/ Confirmed Sales Contract (CSC) or P1.5 Million, whichever is lower. Postshipment Loan o Maximum amount shall be the outstanding value of the corresponding preshipment working capital loan. o In cases where the export/domestic bill and/or receivable have no corresponding preshipment loan, maximum amount shall not exceed 80% of the value of the export/domestic bill/ receivable or P1.5 Million, whichever is lower. o Aggregate loan limit at any given time for both pre and postshipment financing shall be P1.5 Million. Interest Rate: availment. PhilEXIM lending rate to be determined upon loan

Maturity / Repayment: Preshipment Working Capital Loan Maximum tenor of 180 days, the Promissory Note maturity shall be co-terminus with the expiry date of the relative export/domestic LC(s) or the delivery date of the CPO(s)/CSC(s). A 15-day allowance may be granted to cover transit time for receipt of proceeds. Postshipment Loan Maximum tenor of 40 days from purchase of export bill or expiry of issuance period or maturity date of underlying export receivable. Security: Real Estate and/or Chattel Mortgages; Suretyship Agreement of principals or major stockholders of the corporation; Deed of Assignment on the following when applicable: o inventory of raw materials, goods in process and finished goods financed by the loan as well as inventory not previously assigned to a third party o proceeds of domestic/export L/C, CPO, CSC, export bill, and/ or domestic/export receivables from a creditworthy buyer Export Credit Insurance (ECI); Endorsement in favor of PHILEXIM; o All Risk marine insurance coverage (for postshipment loans) o All Risk non-life insurance coverage Postdated Checks; and other acceptable collaterals.

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Processing Fee: One-half percent (0.5%) of approved loan/line of P5,000.00 whichever is higher, payable as follows: Non-refundable 20% upon loan application and computed based on the loan amount applied for; and, 80% to be deducted from loan proceeds. Taxes: Applicable taxes on availments, renewals, extensions, etc., and on all fees shall be borne by the borrower.

Program Title: SHORT TERM DIRECT LENDING PROGRAM (ST-DLP) Program Objective: To extend short-term loans to small and mediumsized exporters to fund their preshipment and postshipment export financing requirements. Eligible Borrowers: Direct Exporter o Successful export performance in the immediately preceding 12 months in a particular product area to be financed with a minimum export volume of US$50,000.00 within said period; and, o At least 50% of revenues in the immediately preceding 12 months is derived from export sales of its products or services. Indirect Exporter o Indirectly exporting in the immediately preceding 24 months in the particular product area to be financed and, o Profitable operations in the immediately preceding 24 months. No substantial derogatory record on firm, its principals and officers; Satisfactory credit performance; Minimum networth of P500,000.00; and Maximum debt-equity ratio of 4:1 after financing. Types of Credit Accommodation: Transactional Loan case-to-case preshipment working capital loans, availment of which shall be against export/domestic L/C(s)/ CPO(s) or purchase of export/domestic bills or postshipment loans. Revolving Line a twelve-month revolving credit line that may be availed of as in transactional loan.

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Terms/Requirements: Amounts: Preshipment Working Capital Loan Actual production needs but not to exceed 80% of the value of the Letter of Credit (LC)/ Confirmed Sales Contract (CSC) or P20.0 Million, whichever is lower. Postshipment Loan o Maximum amount shall be the outstanding value of the corresponding preshipment working capital loan. o In cases where the export/domestic bill and/or receivable have no corresponding preshipment loan, maximum amount shall not exceed 80% of the value of the export/domestic bill/ receivable or P20.0 Million, whichever is lower; and, o Aggregate loan limit at any given time for both pre and postshipment financing shall be P20.0 Million. Interest Rate: PhilEXIM lending rate to be determined upon loan availment. Maturity / Repayment: Preshipment Working Capital Loan Maximum of 180 days, the Promissory Note maturity shall be co-terminus with the expiry date of the relative export/domestic LC(s) or the delivery date of the CPO(s)/CSC(s). A 15-day allowance may be granted to cover transit time for receipt of proceeds. Postshipment Loan Maximum of 40 days from purchase of export bill or expiry of issuance period or maturity date of underlying export receivable. Security: Real Estate and/or Chattel Mortgages; Suretyship Agreement of principals or major stockholders of the corporation; Deed of Assignment on the following when applicable: o inventory of raw materials, goods in process and finished goods financed by the loan as well as inventory not previously assigned to a third party o proceeds of domestic/export L/C, CPO, CSC, export bill, and/ or domestic/export receivables from a creditworthy buyer Export Credit Insurance (ECI); Endorsement in favor of PHILEXIM; o All Risk marine insurance coverage (for postshipment loans) o All Risk non-life insurance coverage Postdated Checks; and other acceptable collaterals.
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Processing Fee: One-half percent (0.5%) of approved loan/line of P5,000.00 whichever is higher, payable as follows: Non-refundable 20% upon loan application and computed based on the loan amount applied for; and, 80% to be deducted from loan proceeds. Taxes: Applicable taxes on availments, renewals, extensions, etc., and on all fees shall be borne by the borrower. Documents Required: Duly accomplished/notarized Loan Application Form and Client Infromation Sheet; Brief history/background write-up of the company; Income tax returns and audited financial statements for the last two (2) years, if applicable, and interim financial statements if the latest audited statement is more than six (6) months old; Income tax returns and statements of assets and liabilities of sureties for the last two (2) years, if applicable; Cash flow projection after financing; Bank statement(s) to support cash balance of the latest available financial statement; Bank certification of the export negotiations for the preceding 12 or 24 months; For Single Proprietorship: o DTI Registration and Business Permit for the current year; For Partnership/Corporation: o Certified list of officers and specimen signatures o SEC Registration, Articles of Incorporation Partnership and By-laws duly certified by the corporate secretary o Duly notarized Board Resolution authorizing officers of the company to sign, endorse and/or negotiate loan as well as open a current or a savings account with the conduit bank Copy of the title(s), tax declaration, tax receipt, location plan and other documents covering real estate offered as collateral; Copy of invoices and other documents covering chattels offered as collateral; and Other documents that may be required. Conduit Banks Conduit banks of PhilEXIM shall assist in the implementation of the program by extending the following international trade services to clients/accounts referred by PhilEXIM: Opening of import letters of credit; and Negotiation of export documents.

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Program Title: MEDIUM AND LONG TERM DIRECT LENDING PROGRAM (MLT-DLP) Program Objective: To grant medium and long term loans to exporters to finance asset acquisition, expansion, modernization of production techniques and improvement of production capacity. Eligible Borrowers: SME engaged in processing, production, manufacturing, marketing or trading of products or rendering services directly or indirectly for export; Directly or indirectly exporting the product which is the subject of financing for at least two years; Satisfactory credit performance based on bank checkings and no substantial derogatory record; Maximum debt-equity ratio of 3:1 after financing. Minimum networth of P500,000.00; and Profitable operations in the immediately preceding two (2) years. Loan Purposes: Purchase of machinery and equipment; Acquisition or construction of plant and building; Permanent working capital; and, Acquisition of land to be used as project site. Terms/Requirements: Amount: Actual needs but in no case more than P40.0 Million. However, not more than 50% of the loan maybe used in the acquisition of land to be used as project site. Interest Rate: PHILEXIM lending rate which may be fixed or on floating rate basis. Maturity / Repayment: Medium Term Loan More than one (1) year up to five (5) years depending on the purpose of the loan. Long Term Loan More than five (5) years up to ten (10) years depending on the purpose of the loan. Grace periods on the payment of principal may be allowed. Security: Lien on project assets to be acquired; Real Estate and/or Chattel Mortgages; Assignment of marketable securities or instruments acceptable to PhilEXIM;
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Suretyship Agreement of principals or major stockholders of the corporation; Assignment of export proceeds; Export Credit Insurance (ECI); and, Other acceptable collaterals. Processing Fee: A non-refundable processing fee of % of the amount applied for or P5,000 whichever is higher, payable upon filing of application. Documents Required: Duly accomplished Loan Application Form and Client Information Sheet; Brief history/background write-up of the company; Income tax returns and audited financial statements for the last (2) years, if applicable, and interim financial statement, if the latest audited statement is more than six (6) months old; Cash flow projection after financing; Bank statements for the last twelve (12) months, if available; For Single Proprietorship: o DTI Registration and Business Permit for the current year. For partnership/Corporation: o Certified list of officers and specimen signatures; o SEC Registration, Articles of Incorporation/partnership and By-laws duly certified by the Corporate Secretary; and o Duly notarized Board Resolution authorizing officers of the company to sign, endorse and/or negotiate loan as well as open a current or a savings account with the conduit bank. Bank Certification of export negotiations for the past year; Feasibility Study or Business Plan with financial projections; Copy of title(s), tax declaration, tax receipt, location plan and other documents covering collaterals offered; and, Other documents that may be required.

Program Title: SME UNIFIED LENDING OPPORTUNITIES FOR NATIONAL GROWTH (SULONG) Program Objective: The program is a financing strategy collaborated by PhilEXIM and other government financial institutions (GFIs) to provide SMEs access to financing under a uniform lending structure.

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Eligible Borrowers: Small and medium exporters in all industries except trading of imported goods, liquor, cigarettes, and extractive industries; At least 60% Filipino-owned, whose assets are at least P500,000 but not more than P100.0 Million, excluding the value of the land or subject to ownership rules as defined under existing Philippine laws for specific industries; Positive income for the preceding year (if previous years income is negative, the average income of past two or three years should be positive). No substantial derogatory record on the firm, its principals and officers; and Maximum debt-equity ratio of 80:20 after financing. For franchisees, the required ratio is 70:30. Loan Purposes: Short-Term Loan for export financing (export packing credit) or a credit line for temporary working capital; preferably transactional Long-Term Loan Purchase of Equipment, Construction of a building/warehouse, Purchase of Lot, Permanent Working Capital Terms/Requirements: Loan Limits: Short-Term Loan up to 70% of the value of the LC/PO (export packing), or 70% of working capital requirement (temporary working capital); maximum of P5.0 Million. Subject to minimum loan requirement, which shall in no case exceed P1.0 Million. Long-Term Loan 80% of the incremental project cost; maximum of P5.0 Million. Interest Rates: SULONG lending rate at the time of availment

Maturity / Repayment: Short-Term Loan Maximum of one (1) year Long-Term Loan Maximum of five (5) years, inclusive of a maximum one year grace period on principal monthly amortization. Security: Postdated Checks. Registered/unregistered Real Estate Mortgage/Chattel Mortgage. Assignment of LC or PO (if applicable).
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Guarantee cover Corporate Guarantee (if franchisee) Assignment of lease rights (if franchisee) Assignment of Life Insurance proceeds Other acceptable collaterals

GUARANTEE PROGRAMS Program Title: PRESHIPMENT EXPORT FINANCE GUARANTEE (PEFG) Program Objective: To assist small and medium-sized export enterprises, particularly those who are collateral short, in obtaining or expanding their preshipment export working capital financing through a guarantee cover, namely: Export Trade Finance Guarantee (ETFG) for Transactional Loan and Revolving Export Loan Guarantee (RELG) for revolving line. Guarantee Cover: Ninety percent (90%) maximum

Eligible Borrowers: Direct or Indirect Exporters; Majority-owned Filipino enterprise; Must not have any derogatory record; Experience: o ETFG New-to-Export: Annual domestic sales of 5x the value of the export L/C to be financed Profitable operation Principal/Key officers successfully completed 2 L/C transactions Beginning Exporter: CEO/Export Manager: 2 years exporting experience and successfully completed 2 L/C transactions totaling 150% of the export loan Firm: Operating for at least 6 months o RELG 2 years exporting experience with export sales of at least US$50,000.00 Profitable operations for the immediately preceding 2 years and at least 50% of revenues is derived from exports Maximum debt to equity ratio of not more than 5:1 after financing for both ETFG and RELG; Minimum networth of P250,000.00 for ETFG; and Minimum networth of P500,000.00 for RELG.
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Loan Purpose: For purchase of raw materials and/or to cover production costs for a specified export product. It can be described as one or a combination of the following: Foreign Input Loan (FIL); Domestic Input Loan (DIL); and, Value Added Loan (VAL). Terms/Requirements: Amount: Export Trade Finance Guarantee (ETFG)-Transactional Loan o Minimum of P150,000.00 or its equivalent in US dollars and a Maximum of P9.0 Million or its equivalent in US dollars Revolving Export Loan Guarantee (RELG) o Minimum of P150,000.00 or its equivalent in US dollars and a Maximum of P20.0 million or its equivalent in US dollars Interest Rate: Determined by the bank, usually at market rate.

Maturity / Repayment: Maximum 180 days for ETFG; Revolving for 1 year for RELG Security (Minimum): ETFG o Assignment of Proceeds of Export/Domestic L/C; o Personal guarantee(s) of principal(s) with conforme of spouse, if legally married. RELG o Assignment of Proceeds of Export/Domestic L/C, Confirmed Purchase Order (CPO) or Confirmed Sales Contract (CSC) or Export Bill; o Personal guarantee(s) of principal(s) with conforme of spouse, if legally married. Guarantee Procedures: Loan Value - Maximum of 100% of export/domestic L/C, CPO or CSC value for both ETFG and RELG. Types of Disbursement (for ETFG and RELG) o Import L/C / TR Facility for Foreign Input Loan (FIL) o Domestic L/C / TR Facility or disbursements for local raw material purchases o Value Added Loan (VAL) to finance overhead expenses Guarantee Fees: Processing Fee of 1% of guaranteed portion for ETFG; 1% of guaranteed portion for RELG Utilization Fee Minimum of P500.00 or 2% per annum of guaranteed portion for ETFG; minimum of P500.00 or 1% per annum of guaranteed portion for RELG
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Program Partners: Allied Banking Corporation, Asia Trust Development Bank, Banco De Oro Universal Bank, Chinatrust Commercial Bank Corporation, Bank of the Philippine Islands, China Banking Corporation, Equitable PCI Bank, Export and Industry Bank, Land Bank of the Philippines, Philippine Bank of Communications, Philippine National Bank, Planters Development Bank, Rizal Commercial Banking Corporation, United Coconut Planters Bank and Union Bank of the Philippines.

Program Title: POSTSHIPMENT EXPORT RISK GUARANTEE (PERG) Program Objective: To provide small and medium-sized exporters with a complementary postshipment finance facility through a guarantee cover that will encourage lenders to purchase export bills, refinance outstanding preshipment export loans as well as extend any form of receivable financing to such exporters pending actual remittance of payment by overseas buyers. Guarantee Cover: Ninety percent (90%) maximum

Eligible Borrowers: Direct or Indirect Exporters; Majority-owned Filipino enterprise; Must not have any derogatory record; Experience: o ETFG New-to-Export: Annual domestic sales of 5x the value of the export L/C to be financed Profitable operation Principal/Key officers successfully completed 2 L/C transactions Beginning Exporter: CEO/Export Manager: 2 years exporting experience and successfully completed 2 L/C transactions totaling 150% of the export loan Firm: Operating for at least 6 months o RELG 2 years exporting experience with export sales of at least US$50,000.00 Profitable operations for the immediately preceding 2 years and at least 50% of revenues is derived from exports Maximum debt to equity ratio of not more than 5:1 after financing for both ETFG and RELG; Minimum networth of P250,000.00 for ETFG; and Minimum networth of P500,000.00 for RELG.
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Loan Purpose: Purchase of Export Bills; Settlement of outstanding availments against a preshipment export credit facility while awaiting proceeds of export receivable; or, Postshipment financing to cover the usance period or credit extended to the buyer. Terms/Requirements: Amount: Export Trade Finance Guarantee (ETFG)-Transactional Loan o Minimum of P150,000.00 or its equivalent in US dollars and a Maximum of P9.0 Million or its equivalent in US dollars Revolving Export Loan Guarantee (RELG) o Minimum of P150,000.00 or its equivalent in US dollars and a Maximum of P20.0 million or its equivalent in US dollars Interest Rate: Determined by the bank, usually at market rate.

Maturity / Repayment: Maximum 180 days for ETFG; Revolving for 1 year for RELG Security (Minimum): ETFG o Assignment of Proceeds of Export/Domestic L/C; o Personal guarantee(s) of principal(s) with conforme of spouse, if legally married. RELG o Assignment of Proceeds of Export/Domestic L/C, Confirmed Purchase Order (CPO) or Confirmed Sales Contract (CSC) or Export Bill; o Personal guarantee(s) of principal(s) with conforme of spouse, if legally married. Guarantee Procedures: Loan Value - Maximum of 100% of export/domestic L/C, CPO or CSC value for both ETFG and RELG. Types of Disbursement (for ETFG and RELG) o Import L/C / TR Facility for Foreign Input Loan (FIL) o Domestic L/C / TR Facility or disbursements for local raw material purchases o Value Added Loan (VAL) to finance overhead expenses

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Guarantee Fees: Processing Fee of 1% of guaranteed portion for ETFG; 1% of guaranteed portion for RELG Utilization Fee Minimum of P500.00 or 2% per annum of guaranteed portion for ETFG; minimum of P500.00 or 1% per annum of guaranteed portion for RELG Program Partners: Allied Banking Corporation, Asia Trust Development Bank, Banco De Oro Universal Bank, Chinatrust Commercial Bank Corporation, Bank of the Philippine Islands, China Banking Corporation, Equitable PCI Bank, Export and Industry Bank, Land Bank of the Philippines, Philippine Bank of Communications, Philippine National Bank, Planters Development Bank, Rizal Commercial Banking Corporation, United Coconut Planters Bank and Union Bank of the Philippines.

Program Title: TERM LOAN GUARANTEE PROGRAM (TLGP) Program Objective: To issue guarantees on medium to long-term loans extended by participating financial institutions (PFIs) to medium and large exporters, and to small exporter accounts under the existing Preshipment Export Finance Guarantee (PEFG) and/or Postshipment Export Risk Guarantee (PERG) Programs. Loans under special lending programs of government financial institutions may also be covered. The TLGP is intended to assist exporters to increase their productive capacity and gain a stronger foothold in the international market through access to term financing for the purpose of upgrading their plant facilities. Guarantee Cover: Eighty-five Percent (85%) of the principal plus interest. Eligible Borrowers: Any exporter, whether a single proprietorship, a partnership or corporation with at least 51% of subscribed capital owned by Filipinos, engaged in processing, production, manufacturing, and marketing or trading of products or rendering of services, directly or indirectly for export, provided it has been exporting for at least one (1) year in the particular product area; Must have no derogatory credit record, unsatisfactory credit dealings, record of loan misuse or default based on bank checkings on the exporter or its principals and officers; Must have a minimum networth of P250,00.00; Total debts to equity ratio after financing must not be more than 3:1; and, Financial statements must show profitable operations in the immediately preceding year.
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Loan Purposes: Purchase of machinery and equipment Plant/building acquisition, construction, improvement and expansion Acquisition of land to be used as project site but not to exceed 50% of the loan Permanent working capital Terms/Requirements: Guarantee Cover: Eighty-five Percent (85%) of the principal plus interest. Maturity / Repayment: For loans to finance the purchase of fixed assets/capital equipment: o Up to P1.0 Million more than 1 year up to a maximum of 3 years, inclusive of 3 to 6 months grace period on principal o Over P1.0 Million more than 1 year up to 5 years maximum, inclusive of 3 months to 1-year grace period on principal. For loans to finance permanent working capital - more than 1 year up to 5 years maximum, inclusive of 3 months to 1 year grace period on principal. For loans to finance plant/building acquisition, construction, improvement or expansion - More than 1 year up to 10 years maximum, inclusive of 3 months to 2 years grace period on principal. Security: Personal guarantee of the borrower or company principals, lien on project assets to be financed, and other collateral based on evaluation, such as but not limited to real estate, chattel and acceptable marketable instruments; and Insurance coverage on all insurable assets to be mortgaged. Program Partners: Allied Banking Corporation/ Asia Trust Development Bank/ Banco de Oro Universal Bank / Bank of Commerce / Bank of the Philippine Islands / Equitable-PCI Bank / Export and Industry Bank / Land Bank of the Philippines / Philippine Bank of Communications/ Philippine National Bank/ Planters Development Bank/ Rizal Commercial Banking Corporation/ United Coconut Planters Bank

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PHILIPPINE NATIONAL BANK (PNB) PNB Financial Center, Roxas Boulevard, Pasay City Program Title: SMALL BUSINESS LOAN (SBL) Program Objective: To increase its support to local entrepreneurs in Metro Manila and key provincial centers all over the country. Eligible Borrowers: Existing businesses under the following priority sectors: Food-related businesses Includes processed/packed meat products, food distribution, biscuits and snack foods, restaurants, retail food stores, and local food franchises. Transport and storage cold storage, warehousing, distribution and transport of consumer goods, and public transport. Services and Trading gas station and automobile service operations, security and manpower, photo developing, food-related, hardware supplies, botica and pharmaceuticals, retail sale of consumer goods, and wholesale distribution. Light manufacturing/processing activities. Loan Purposes: Working Capital to finance receivables and inventory build-up, and day-to-day business expenditures; Upgrading or acquisition of machinery and equipment; and Construction/expansion or modernization of plant facilities. Terms/Requirements: Amount: P500,000.00 to P5.0 Million subject to the lowest of the following: Loan value 60% of appraised value of the collateral Computed amortization as against net income Will also depend on actual requirement of the business Interest Rate: Fixed for one year ; no hidden charges Maturity / Repayment: One to five years with equal monthly payments covering interest plus principal using post dated checks or auto-debit arrangement Security: Real Estate with classification as residential, commercial, and industrial property. Contact Details: Mr. Reynaldo Orsolino or Ms. Nerissa Toledo Small Loans Division Phone: (632) 526.3323 (632) 891.6040 local 2274, 2269, or 2063 or the local branches of the Philippine National Bank.
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PLANTERS DEVELOPMENT BANK (PDB) 314 Sen. Gil J. Puyat Avenue, Makati City Phone: (632) 887.1000 Program Title: REVOLVING CREDIT LINE Program Objective: To provide short-term loans to SMEs to finance their working capital requirements. Eligible Borrowers: Individuals, Partnerships and Corporations with asset size of not less than P1.5 Million. Companies engaged in the business for at least three (3) years. Companies operating profitably for the last three years. Loan Purpose: For Working Capital requirements such as receivable financing, purchase of additional inventory, etc. Terms/Requirements: Amount: Minimum of P5.0 Million; Maximum of P30.0 Million. Interest Rate: Prevailing bank lending rate, reviewed monthly. Maturity: One year line subject to renewal.

Mode of Payment: Interest payable monthly; principal at maturity. Security: Real Estate Mortgage (REM) or a combination of REM/ Chattel Mortgage.

Program Title: MORTGAGE OPTIMIZER Program Objective: To provide multi-purpose credit facility that can help you get immediate funding for any business opportunities and personal needs. Loan package may either be on a Revolving Credit Line (RCL) or Term Loan (TL) facility. Eligible Borrowers: Individuals, Partnerships and Corporations; Companies engaged in the business for at least three (3) years; Companies operating profitably for the last three (3) years; Companies with gross monthly sales of at least P100,000.00 Self-employed individuals, entrepreneurs/businessmen and professionals with minimum P100,000.00 monthly revenue.

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Loan Purposes: Working Capital/ Fixed Assets for Business. House Renovation. Personal Consumption. Emergencies. Terms/Requirements: Amount: Minimum of P500,000.00; Maximum of P5.0 Million. Interest Rate: Revolving Credit Line (RCL) prevailing bank lending rate, reviewable monthly. Term Loan (TL) fixed rate for the entire term of the loan. Maturity / Repayment: RCL maximum of one year, subject to renewal. TL maximum of five (5) years. Mode of Payment: RCL Interest payable monthly/quarterly, principal at maturity. TL equal monthly amortization. Security: Real Estate Mortgage on residential and commercial properties with good marketability.

Program Title: TERM LOAN Program Objective: To provide loans for fixed asset acquisition and permanent working capital requirements. Eligible Borrowers: Individuals, Partnerships and Corporations having an asset size of not less than P1.5 Million; Companies engaged in the business for at least three (3) years; and, Companies operating profitably for the last three (3) years. Loan Purposes: For Permanent Working Capital. Fixed Asset Acquisition (purchase of machines, construction/ renovation of building/plant facilities)

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Terms/Requirements: Amount: Minimum of P5.0 Million; Maximum of P30.0 Million. Interest Rate: Prevailing bank lending rate available at variable or fixed rate options. Maturity / Repayment: Maximum of ten years, payable monthly or quarterly. Security: Real Estate Mortgage (REM) or a combination of REM/ Chattel Mortgage.

Program Title: CONTRACT TO SELL (CTS) PURCHASE FACILITY Program Objective: To enable the property developers of subdivision or condominium projects to liquidate their installment receivables. Eligible Borrowers: Developers with proven track record and good reputation in the real estate industry; Land development must be 100% completed; and Must have existing list of buyer receivables. Loan Purposes: For Working Capital. For continuous development of housing projects. Terms/Requirements: Amount: Minimum drawdown of P1.0 Million. Interest Rate: Prevailing bank lending rate. Maturity / Repayment: Maximum CTS term of 15 years with monthly amortization. Security: Assignment of CTS papers.

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Planters Development Bank is an accredited participating financing institution (PFI) of the following program agencies: LAND BANK OF THE PHILIPPINES Program Facilities: Countryside Loan Fund (CLF) I CLF II CLF III DEVELOPMENT BANK OF THE PHILIPPINES Program Facilities: Industrial Guarantee Loan Fund (IGLF) Industrial and Support Services Expansion Program (ISSEP) Environmental Infrastructure Support Credit Program (EISCP) Domestic Shipping Modernization Program (DSMP) SB CORPORATION Program Facilities: Funding Access for Short Term Loans (FAST) Financing Investment for Regional Market (FIRM) SOCIAL SECURITY SYSTEM Program Facilities: SSS Financing Program SSS Financing Program for Educational Institutions SSS Hospital Financing Program SSS Industry Loan Program SSS Tourism Program

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PNOC ENERGY DEVELOPMENT CORPORATION (PNOC-EDC) Energy Research and Development Center, Commonwealth Avenue Diliman, Quezon City Program Title: DECENTRALIZED ENERGY SYSTEMS (DES) PROJECT Program Objectives: To promote the development and commercialization of decentralized energy systems (DES) through financial assistance, investment and consultancy services to businesses that would engage in the manufacture, marketing and utilization of these technologies and products. DES supported technologies include the following: Photovoltaics Biogas Systems Briquetted Solid Fuel Biomass-Fired Dryers/Ovens Wind Energy Conversion Systems Solar Water Heaters Micro/Mini Hydro, and Energy Conservation Technologies. Eligible Borrowers: Filipino-owned single proprietorship business duly registered with DTI or a partnership/corporation with major Filipino shareholdings duly registered with SEC. Loan Purpose: Purchase of capital equipment and machineries Working capital Terms/ Requirements: Amount: Maximum of 75% of the total project cost or P5 Million, whichever is lower, per project. Interest Rate: 6% per annum, fixed for the duration of the loan Maturity/ Repayment: Maximum of five years with an option to avail of one year grace period on principal repayments. Repayments are done on a quarterly basis over the loan period. Security: Acceptable collaterals shall be limited to real estates valued at 100% of their prevailing market price. Contact Details: The Department Manager PNOC-EDC-ERDC, Commonwealth Avenue, Diliman, Quezon City Fax: (632) 920.6086 e-mail: desproject@manila-online.net Phone: (632) 929.7611 to 19
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QUEDAN CORPORATION (QUEDANCOR) Quedancor Center, 34 Panay Avenue, Quezon City Program Title: QUENDANCOR PROGRAM FOR AGRI-FISHERY SMALL AND MEDIUM ENTERPRISES (SMEs) Program Objectives: To promote growth and productivity in the agri-fishery sector; To encourage participation of the private sector, particularly the agri-business entrepreneurs in the agricultural development program; and, To improve access by individual borrowers to credit through innovative financing schemes. Eligible Borrowers: Individual farmers, fisherfolks, urban and rural workers, sole proprietorship, partnership, corporation, cooperatives, NGOs, Peoples Organizations, LGUs Eligibility Requirements: Must be duly accredited by Quedancor in accordance with the existing Accreditation Guidelines; Must not have an outstanding past due loan with any lending entity/countryside lending conduit and/or Quedancor; Must be duly registered/licensed by the appropriate government agency, if applicable; Must have sufficient knowledge/experience and/or willing to undergo training on the project; Must be willing to enter into a Memorandum of Agreement/Contract Growing Agreement with an established accredited market-buyer/ IS, if applicable; and Must own the project site or must have a lease agreement with the owner of the site. Loan Purpose: For production activities For processing/packaging/manufacturing For acquisition/Fabrication/Repair of agri-fishery machinery and equipment For construction/Upgrading of facilities For working Capital/Marketing and trading activities Terms/Requirements: Amount: Maximum of P5.0 Million
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Interest Rate: Production/Processing, packaging, manufacturing/ Acquisition, fabrication and repair of agri-fishery machinery and equipment/ Construction and upgrading of facilities 16% per annum Working Capital, Marketing/Trading 2% per month Maturity / Repayment: Production shall depend on the projects cash flow or payback period Processing/Packaging/Manufacturing, Working Capital, Marketing/Trading maximum of three (3) years Acquisition/Fabrication/Repair of Agri-Fishery Machinery and Equipment maximum of five (5) years but not to exceed 50% of the optimum economic life of the machinery/equipment to be acquired/fabricated/repaired Construction/Upgrading of Facilities maximum of seven (7) years but not to exceed 50% of the optimum economic life of the facility to be acquired/constructed/upgraded Loans are payable monthly, quarterly or semi-annually, as determined by the Quedancor Credit Assessment Group (CAG). Security: At least 80% REM or 80% combination of REM, Non-Interest Bearing Cash Trust Fund, Bank/Time Deposits, LandBank/ Government Bonds/Securities and similar investments Deed of Assignment of Receivables supported by a Marketing Contract/Agreement, if applicable Post dated Checks (PDCs), if applicable Documentary Requirements: Application for loan and accreditation; Two photos of individual applicant or of the authorized representative/s; Current Mayors Permit/Municipal License/Business Permit, whichever is applicable; Project Proposal/Feasibility Study of intended project, if applicable; An affidavit from the borrower that he/she/it does not have any past due loan, a record of foreclosure or special bad debt settlement with Quedancor or any other financial institution and/or pending or unresolved dispute with the government; Certified copy of latest income and business tax returns; Duly certified true copy of audited financial statements for the last two (2) years; Tax Clearance from the BIR, if applicable; and Two (2) photocopies of documents of any or combination of the collateral (REM, Assignment, Chattel, Co-makers) offered.
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Additional Requirements for Entity: Board Resolution authorizing the organization to apply for loan/ accreditation and designating at least three (3) authorized representatives, if any; List of names and addresses of current key officials and members; Certificate of registration from the Cooperative Development Authority (for cooperatives/federations) and Securities and Exchange Commission (for NGOs/Associations, partnerships, corporations); Duly certified copy of Articles of Cooperation, By-Laws and amendments (for partnerships, corporations), if any; List of stockholders/partners/members with their corresponding percentages of ownership or interest in the firm/enterprise (for partnerships and corporations); Sanggunian Resolution authorizing the LGU to participate under the specified program and designating the Mayor, Vice Mayor, Treasurer, Budget Officer as authorized representatives (for LGU); Approved Budget with Sanggunian Resolution (for LGU); DILG certification concerning the incumbency of the Mayor, and that he has no pending administrative, civil/criminal case (for LGU); Purchase order/sales contract (for LGU), if applicable

Program Title: QUENDANCOR WHOLESALE PROGRAM FOR COUNTRYSIDE LENDING CONDUIT Program Objectives: To generate more employment and livelihood opportunities for small farmers, fisherfolk and micro-entrepreneurs through farmers organizations and associations, in order to reduce poverty incidence in the rural areas; To foster entrepreneurial activities among farmers in the production, processing and marketing of agricultural commodities and other agri-fishery by-products; and, To enhance productivity in the agriculture sector through training and adoption of modern technologies, machinery and equipment. Eligible Borrowers: SRT Agri-Fishery Business Organization (AFBO), cooperatives, rural banks, cooperative banks

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Eligibility Requirements: Must be duly accredited by Quedancor in accordance with the existing Accreditation Guidelines; Must be duly registered/endorsed by concerned government or private agency or its attached agencies as legitimate organization/ enterprise engaged in agri-fishery or forestry based projects; Must have juridical personality with authority to contract/borrow/ lend money; Must have current officers of good moral character. Loan Purpose: For production activities For processing/packaging/manufacturing Acquisition/Fabrication/Repair of agri-fishery machinery and equipment Construction/Upgrading of facilities Working Capital/Marketing and trading activities Terms/Requirements: Amount: Shall depend on the proposed project/actual technology/ production cost and/or financial condition/capacity of the borrower as determined by Quedancor CAG. Interest Rate: Depends on the fund source Maturity / Repayment: Production shall depend on the projects cash flow or payback period Processing/Packaging/Manufacturing, Working Capital, Marketing/Trading maximum of three (3) years Acquisition/Fabrication/Repair of Agri-Fishery Machinery and Equipment maximum of five (5) years but not to exceed 50% of the optimum economic life of the machinery/equipment to be acquired/fabricated/repaired Construction/Upgrading of Facilities maximum of seven (7) years but not to exceed 50% of the optimum economic life of the facility to be acquired/constructed/upgraded Loans are payable monthly, quarterly or semi-annually or depending on the mode of payment of the fund source, as determined by the Quedancor Credit Assessment Group (CAG). Security: For SRT AFBO o Joint and Several Signatures of members of the SRT AFBO o Deed of Assignment of Receivables with Authority to Collect o Deed of Assignment of Marketing Contract/Agreement
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For Other Lending Conduits, Cooperatives and Rural Banks o At least 80% REM or at least 80% combination of REM, Non-Interest Bearing Cash Trust Fund, Bank/Time Deposits, LandBank/Government Bonds/Securities and similar investments o At least 20% equity of the total project cost which can be in the form of agri-fishery machinery and equipment, inputs and labor o Deed of Assignment of Receivables supported by a Marketing Contract/Agreement, if applicable Documentary Requirements: Application for loan and accreditation; Two (2x2) photos of authorized representative/s; Current Mayors Permit/ License/Business Permit/Registration, whichever is applicable; Project Proposal/Feasibility Study of intended project, if applicable; An affidavit from the borrower that he/she/it does not have any past due loan, a record of foreclosure or special bad debt settlement withQuedancor or any other financial institution and/or pending or unresolved dispute with the government; Certified copy of latest income and business tax returns; Duly certified true copy of audited financial statements for the last two (2) years, if any; Tax Clearance from the BIR, if applicable; Two (2) photocopies of documents of any or combination of the collateral (REM, Assignment, Chattel, Co-makers) offered. List of names and addresses of current key officials and members/ stockholders/partners/members with their corresponding percentages of ownership or interest in the firm/enterprise; Certificate of Registration from appropriate government agency; Duly certified true copy of Articles of Cooperation/Incorporation/ Partnership, By-Laws and amendments Board Resolution authorizing the organization to apply for loan/ accreditation and designating at least three (3) authorized representatives, if any; and Certification from the Bangko Sentral ng Pilipinas. Contact Details: (for both SME and Wholesale Lending Programs) Winnie Sioson Annie Yiguez Emil Rea Phone: (632) 373.9711 Fax: (632) 373.9452

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RIZAL COMMERCIAL BANKING CORPORATION (RCBC) RCBC Head Office, Yuchengco Tower, RCBC Plaza 6819 Ayala Avenue, Makati City Program Title: SMALL AND MEDIUM ENTERPRISES LENDING Program Objective: To allow small and medium enterprises (SMEs) easy access to credit for fixed asset acquisition and working capital requirements. Eligible Borrowers/Projects: Small and Medium Enterprises with viable profitable business (i.e. manufacturing, trading, and services) for domestic or export market. Loan Purpose: For working capital, acquisition of fixed assets such as machineries, equipment, building improvement/expansion of facilities Terms/Requirements: Amount: Minimum of P2.0 Million; Maximum of P100.0 Million depending on the need and capacity to pay. Interest Rate: Prevailing market rate Maturity: Short-term one year Long-term over 1 year to seven years payable monthly/ quarterly Security: Peso/Dollar Deposits/placements, Government Guarantees, Real Estate Mortgage, Chattel Mortgage on Inventory, Sureties of Principals Program Partners: TIDCORP, SB Corporation, SSS Contact Details: Jahil Macapagal/Anna Lissa Selva Phone: (632) 894.9000 local 2620, 2327 Fax: (632) 894.9414

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SMALL BUSINESS CORPORATION (Small Business Guarantee and Finance Corporation) 17th & 18th Flrs, Antel Corporate Centre, 139 Valero Street, Salcedo Village, Makati City DIRECT LENDING PROGRAMS Contact Details: Ma. Luna C. David OIC Finance and Guarantee Sector Phone: (632) 751.1888 Fax: (632) 813.5726 894.1677 Email: ldavid@sbgfc.org.ph Program Title: SME-FINANCING FOR RECEIVABLES OF SUPPLIERS TRANSACTIONS (SME-FIRST)

Program Objectives: A direct financing facility to finance receivables of suppliers of domestic anchor firms. It aims to help bridge the financing gap faced by suppliers resulting from long receivables turn-around time. Eligible Borrowers: Filipino-owned enterprise; in case of corporation, must be at least 60% Filipino-owned; Asset size not less than P500,000.00 and not more than P100 Million (excluding the value of land); May be less than one (1) year in operation as long as borrower already has a receivable from a qualified anchor firm; Positive BIR-filed net income for the past immediate year; and, Project to be financed not into farm-level agri-aqua production, extractive activities or vice-generating operations. Loan Purpose: Financing of receivables from: Top 2,000 corporations (as defined under the SEC listing); Government corporations/agencies; Accredited industry anchor firms. Qualifications of Anchor Firm-Buyer Its financial profile and performance are within the standards set by SB Corporation The anchor firm should not, to any degree, be related to the borrower in terms of stockholdings and/or family ties It has not subjected the borrower to any bad debt in the past;

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Its speed of payment does not exceed 120 days; and, For non-top 1000 corporations, the anchor firm must be willing to directly pay SBC the financed portion of the receivables, as covered by a MOA. Terms/Requirements: Amount: Minimum of P200,000 Maximum of 80% of the value of the receivable or up to 100% less interest due if the anchor firm buyer has issued a PDC. Initially up to P2.0 Million loan limit Up to P5.0 Million after 3 paid loans Up to P8.0 Million after 5 paid loans Up to P1.0 million, if receivable is from a government line agency Interest Rate: Fully Secured Loans 9.5% per annum Partially/At least 50% Secured Loans Plus 1.0 % point Partially/Less than 50% Secured Loans Plus 2.0 % points Service Fees: Evaluation Fee of 1% of approved loan but not less than P3,000 Processing Fee of 1% of loan release Out-of-town processing fee o None for Metro Manila, Cebu and Davao o P2,000 for the CALABAR and Region 3 provinces o P4,000 or actual air fare for the rest of the country Maturity / Repayment: Maximum of 120 days term per drawdown; Repayment is based on collection schedule. Security: Real Estate Mortgage (REM) or Chattel Mortgage (CHM) on motor vehicle Documentary Requirements Upon Loan Application: Accomplished business loan application form (with picture) Notarized Client Information Sheet Latest in-house and BIR-filed financial statements Business registration papers Location map of the project Photocopy of the sales documents to be financed

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Program Title: SME FINANCING FOR RECEIVABLES OF SUPPLIERS TRANSACTIONS EXPANDED (SME FIRST EXPANDED) Program Objectives: A direct financing facility to finance purchase orders of suppliers of domestic anchor firms. It is primarily intended for graduates of the SME-FIRST program. Eligible borrowers: Filipino-owned enterprise; in case of corporation, must be at least 60% Filipino-owned; Asset size not less than P500,000.00 and not more than P100 Million (excluding the value of land); Positive BIR-filed net income for the past immediate year; Project to be financed not into farm-level agri-aqua production, extractive activities or vice-generating operations; and, Track record must be as follows: o Graduate of SBCs SME-FIRST facility (at least five paid transactions) o Need not pass the SME-FIRST if: Supplier of Top 200 corporations for at least 2 years Supplier of an anchor firm who is willing to directly pay SBC its share on the financed purchase order, as covered by a MOA Loan Purposes: Financing of Purchase Orders from: Top 2,000 corporations Government corporations/agencies Accredited industry anchor firms Cebu-based top exporters Qualifications of Anchor Firm-Buyer Its financial profile and performance are within the standards set by SB Corporation The anchor firm should not, to any degree, be related to the borrower in terms of stockholdings and/or family ties It has not subjected the borrower to any bad debt in the past; Its speed of payment does not exceed 180 days; and, For non-top 1000 corporations, the anchor firm must be willing to directly pay SBC the financed portion of the PO, as covered by a MOA. Terms/Requirements: Amount: Minimum of P200,000 Maximum of 80% of PO of top 1,000 anchor firm; up to 70% of PO from non-top 1,000 anchor firm Initially up to P2.0 Million loan limit
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Up to P5.0 Million after 3 paid loans Up to P8.0 Million after 5 paid loans Up to P1.0 million, if PO is from a government line agency. Interest Rate: Fully Secured Loans 9.5% per annum Partially/At least 50% Secured Loans Plus 1.0 % point Partially/Less than 50% Secured Loans Plus 2.0 % points Service Fees: Evaluation Fee of 1% of approved loan but not less than P3,000 Processing Fee of 1% of loan release Out-of-town processing fee o None for Metro Manila, Cebu and Davao o P2,000 for the CALABAR and Region 3 provinces o P4,000 or actual air fare for the rest of the country Maturity / Repayment: Maximum of 180 days term per drawdown; Repayment is based on collection schedule. Security: Real Estate Mortgage (REM) or Chattel Mortgage (CHM) on motor vehicle. Documentary Requirements Upon Loan Application: Accomplished business loan application form (with picture) Notarized Client Information Sheet Latest in-house and BIR-filed financial statements Business registration papers Location map of the project Photocopy of the sales documents to be financed

Program Title: SME FINANCING REACH FOR EXPORTERS THRU NETWORK DEVELOPMENT (SME FRIEND) Program Objectives: A direct lending facility for exporters that are members of industry associations. The object of credit is the exporters purchase order from its foreign buyer. Eligible Borrowers: Filipino-owned enterprise; in the case of corporation, must be at least 60% Filipino-owned; Asset size of not less than P500,000.00 and not more than P100.0 Million (excluding the value of land);
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May be a start-up exporter but at least one year track record inclusive of domestic market operations; Positive BIR-filed net income for the past immediate year; Project to be financed not into farm-level agri-aqua production, extractive activities or vice-generating operations; and, Must have the following capabilities, as certified by the endorsing industry association: o Proven track record for good quality and timely export deliveries; o Right kind and size of facilities, equipment, technology and manpower to complete the export orders to be financed; and, o No potential or existing labor problem that may interfere with the export business. Loan Purpose: The following may be financed: Export Letter of Credit (L/C) Export PO issued by a FOBAP member foreign buyer Export PO issued by a non-FOBAP member foreign buyer with whom the exporter had at least three (3) completed export orders Types of Loan: Transactional Export Packing Credit Line (can be given after one paid SBCfinanced transaction with the same foreign buyer) Standby Credit Line o Approved by SBC prior to the actual export order o Initially up to P1.0 Million and may be on a clean basis o Loan amount may be upgraded should the export order go beyond the approved standby credit line, subject to simplified evaluation by SBC Terms/Requirements: Amount: Minimum of P200,000 Up to 70% of the face value of export LC/PO Initially up to P2.0 Million credit line if covered by export LC Initially up to P1.0 Million if stand-by credit line Up to P8.0 Million after five (5) paid SBC loans Interest Rate: Fully Secured Loans 9.5% per annum Partially/At least 50% Secured Loans Plus 1.0 % point Partially/Less than 50% Secured Loans Plus 2.0 % points

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Service Fees (to be deducted from loan proceeds; no front-end fees): Evaluation Fee of 1% of approved loan but not less than P3,000 Processing Fee of 1% of loan release Out-of-town processing fee o None for Metro Manila, Cebu and Davao o P2,000 for the CALABAR and Region 3 provinces o P4,000 or actual air fare for the rest of the country Maturity / Repayment: Maximum of 180 days term per drawdown Repayment is based on LC/PO expiry date, with allowance for the collection period Security: Real Estate Mortgage or Chattel Mortgage on motor vehicle. Documentary Requirements Upon Loan Application: Accomplished business loan application form (with picture) Notarized Client Information Sheet Latest in-house and BIR-filed financial statements Business registration papers Applicable endorsement Location map of the project Photocopy of the export order Endorsement Requirement (any one): Foreign Buyers Association of the Phils. (FOBAP) Center for International Trade Expositions and Missions (CITEM) Philippine Exporters Confederation, Inc. (PHILEXPORT) for Visayas and Mindanao Exporters

Program Title: SME FINANCING ORGANIZATIONALLY COMPETENT AND EXCELLENT FRANCHISE BUSINESS (SME FORCE) Program Objectives: A direct lending facility to support various players in the franchising industry, including franchisors, franchisees and suppliers of franchisor-firms. Eligible Borrowers: Filipino-owned enterprise; in the case of corporation, must be at least 60% Filipino-owned; Franchisor firm must be a member in good standing of AFFI or PFA;
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Asset size not less than P500,000 and not more than P100 Million (excluding the value of land); For non-start ups, latest BIR-filed net income must be at least P10,000; and, Project to be financed not into farm-level agri-aqua production, extractive activities or vice-generating operations. Types of Borrower: Start-up or Expanding Franchisee Expanding Franchisor o If financing is for the establishment of company-owned outlet for possible resale to franchisees: At least 2 profitable years in the franchise business with at least 1 profitable franchisee outlet; and, At least 2 existing company-owned outlets with 2 years profitable experience. o If financing is for the establishment of Commissary Hubs at least 2 profitable years in the franchise business with at least 2 profitable franchise outlets. Start-up Franchisor o At least 2 years profitable experience in the line of business subject for franchise development o At least 2 company-owned outlets Supplier of Franchisor o Supplier 2 years track record with the franchisor o Franchisor at least 2 years profitable years and 1 profitable franchise outlet Loan Purposes: Fixed Asset Acquisition o Building construction/improvement o Equipment/vehicle acquisition o Lot acquisition (limited to 25% of total loan) Working Capital o Permanent o Temporary financing of PO issued by franchisor firms Loan Refinancing (except for loans from other government financial institutions) Terms/Requirements: Amount: For start-up or expanding franchisee o Minimum of P200,000 o Maximum of P5.0 Million for small enterprises and P10.0 Million for medium enterprises o Maximum of 70% of project cost; franchise fee to be strictly financed by equity
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Expanding franchisor o Establishment of company-owned outlet for possible resale to franchisees maximum of 70% of project cost but not more than P3.5 Million per outlet financed o Establishment of Commissary Hubs- Limited to 50% of project cost of first commissary hub, if still to be set up- Up to 70% of project cost for already existing commissary hub or for succeeding commissary hubs. o Start-up Franchisor maximum of P750,000 or 70% of project cost o Supplier of Franchisor: Up to 70% of the PO net of franchisors deposit Maximum credit line of P3.0 Million Interest Rate: Fully Secured Loans o Up to 1 year 9.5% per annum o U to 3 years 13.8% per annum o Up to 5 years 14.5% per annum Partially/At least 50% Secured Loans Plus 1.0 % point Partially/Less than 50% Secured Loans Plus 2.0 % points Additional premium on loan amounts exceeding 10 x of BIR-filed net income Service Fees: Evaluation Fee of 1% of approved loan but not less than P3,000 Processing Fee of 1% of loan release Out-of-town processing fee o None for Metro Manila, Cebu and Davao o P2,000 for the CALABAR and Region 3 provinces o P4,000 or actual air fare for the rest of the country Maturity / Repayment: Term Loan maximum of 5 years, with up to one year grace period on principal; monthly or quarterly amortization Transactional or One-year Credit Line up to 180 days term per drawdown Security: Start-up or Expanding Franchisee o At least 50% franchisors Corporate Guarantee on the franchisee-borrowers loan; or o Equivalent titled REM and/or CHM on motor vehicle

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Expanding Franchisor o At least 50% REM and/or CHM on motor vehicles; and, o Assignment of rights of outlet to be financed Start-up Franchisor 70% secured by REM and/or CHM on motor vehicles Supplier of Franchisor o May be clean up to P1.0 Million o At least 25% hard collateral if loan is more than P1.0 Million o MOA between SBC and franchisor on direct payment to SBC. Basic Documentary Requirements: Accomplished business loan application form (with picture) Notarized Client Information Sheet Latest in-house and BIR-filed financial statements Business registration papers Applicable endorsement Location map of the project Franchise agreement and business plan, in case of start-up franchisee

Program Title: SME FINANCING FOR VARIABLE BUSINESS EXPANSIONS (SME-FLEXIBLE) Program Objective: A direct lending facility for domestic enterprises to sustain, expand or improve their business operations. Eligible Borrowers: Filipino-owned enterprise, in the case of corporation must be at least 60% Filipino-owned Asset size not less than P500,000 and not more than P100.0 Million (excluding the value of land) At least one year in operation Positive income for the past immediate year with BIR-filed net income of not less than P10,000 Project to be financed not into farm-level agri-aqua production, extractive activities or vice-generating operations Latest financial ratios (based on in-house financials) o At least 1:2 current ratio o At most 70:30 debt-equity ratio Loan Purposes: Fixed Asset Acquisition o Building construction/improvement o Equipment/vehicle acquisition o Lot acquisition (limited to 25% of total loan)
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Working Capital Loan refinancing (except for loans from other government financial institutions) Terms/Requirements: Amount: Micro-enterprise - minimum of P200,000; Maximum of P1.5 Million Small Enterprise up to P5.0 Million Medium up to P10.0 Million Loan amount must not exceed: o 70% of the project cost (30% must be in equity of the borrower o 2X of networth of the borrower (based on latest in-house financial statement) o 5X of net income of the borrower (based on latest in-house financial statement) Interest Rate: Fully Secured Loans (p.a.) o Up to 1 year 9.5% per annum o U to 3 years 13.8% per annum o Up to 5 years 14.5% per annum Partially/At least 50% Secured Loans Plus 1.0 % point Partially/Less than 50% Secured Loans Plus 2.0 % points Additional premium on loan amounts exceeding 10X of BIR-filed net income Service Fees (to be deducted from loan proceeds; no front-end fees): Evaluation Fee of 1% of approved loan but not less than P3,000 Processing Fee of 1% of loan release Out-of-town processing fee o None for Metro Manila, Cebu and Davao o P2,000 for the CALABAR and Region 3 provinces o P4,000 or actual air fare for the rest of the country Maturity / Repayment: Term Loan maximum of 5 years, with up to one year grace period on principal; amortization is monthly or quarterly Transactional or One-Year Credit Line up to 180 days term per drawdown Security: Fixed assets to be financed by the loan must form part of the collateral. In case assets to be financed cannot be collateralized as in the case of leasehold improvements, there should be a substitute collateral.
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In case of working capital loans, must be at least 80% secured by hard collateral (real estate which may be commercial, residential or agricultural, and to motor vehicles). Documentary Requirements Upon Loan Application: Accomplished business loan application form (with picture) Notarized Client Information Sheet Latest in-house and BIR-filed financial statements Business registration papers Applicable endorsement Location map of the project Endorsement Requirement: DTI-Provincial Office SBC-accredited industry associatiom No need for endorsement for enterprises based in NCR, CALABAR provinces, Bulacan, Davao and Cebu Program Title: SME FINANCING FOR ENTERPRISING AND ABLE START-UPS WITH INNOVATIVE BUSINESS (SME FEASIBLE) Program Objective: A direct lending facility for start-up domestic entrepreneurs. Eligible Borrowers: Filipino-owned enterprise, in the case of corporation must be at least 60% Filipino-owned; Project to be financed not into farm-level agri-aqua production, extractive activities or vice-generating operations; Must be willing and able to finance at least 50% of the cost of the start-up project; and, Should have a business plan, which the borrower should be able to expound on and to defend. Priority Projects: The product or service prototype has already been produced and market-tested by the borrower. The technology set-up of the project is endorsed by the Department of Science and Technology (DOST). Loan Purpose: Fixed Asset Acquisition o Building construction/improvement o Equipment/vehicle acquisition o Lot acquisition (limited to 25% of total loan) Working Capital (either amortized or credit line)
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Terms/Requirements: Amount: Minimum of P200,000.00 Up to 50% of total project cost; the other 50% should be financed by equity Not more than P1.5 Million Interest Rate: Up to 1 year 9.5% per annum Up to 3 years 13.8% per annum Up to 5 years 14.5% per annum Service Fees (to be deducted from loan proceeds; no front-end fees): Evaluation Fee of 1% of approved loan but not less than P3,000 Processing Fee of 1% of loan release Out-of-town processing fees o None for Metro Manila, Cebu and Davao o P2,000 for the CALABAR and Region 3 provinces o P4,000 or actual air fare for the rest of the country Commitment Fee: Dated check amounting to P4,000 Maturity / Repayment: Term loan; maximum of 5 years, with up to one year grace period on principal; monthly or quarterly amortization Security: Real estate, Motor vehicle or fixed assets to be financed by the loan Documentary Requirements Upon Loan Application: Accomplished business loan application form (with picture) Notarized client information sheet Business registration papers Business Plan Applicable endorsement Location map of the project Endorsement Requirement (any of the following): Department of Science and Technology (DOST) for Filipino investors Philippine International Trading Corporation for drugstores accredited under the Botika ng Bayan Program DTI-Provincial Office No need for endorsement for enterprises based in NCR, CALABAR provinces, Bulacan, Davao and Cebu
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Program Title: SME FINANCING FOR INFORMATION TECHNOLOGY BUILD-UP (SME-FIT) Program Objective: A direct lending facility of Small Business Corporation intended to help SMEs develop some degree of IT capability in terms of simple hardware facilities, software solutions, website development, other development services, and training and tutorial packages. Eligible Borrowers: The IT provider must be a local SME corporation; IT provider refers to distributors of ready-made packages and services i.e. hardware, software, website development, and other development services With at least two (2) years profitable track record in the industry, with BIR-filed net income of not less than P10,000 for the past immediate year Asset size not less than P500,000 and not more than P100.0 Million (excluding the value of land) Latest financial ratios (based on in-house financials) o At least 1.2 current ratio o At most 70:30 debt-equity ratio Terms/Requirements: Loan Scheme: Loan shall be through a rediscounting scheme using IT providers as the conduit and primary borrower. Amount: Shall be in a form of a Credit Line Up to P10.0 Million for medium-sized IT providers (with asset size of at least P15.0 Million based on ITR financials) Up to P5.0 Million for small IT providers Availment: The IT provider shall avail of drawdowns on the credit line which shall be payable quarterly for not more than 18 months, inclusive of three months grace period on principal. Drawdowns shall have a sub-limit of P500,000 which should be liquidated prior to the next availment. The IT provider shall offer package offerings with not more than five (5) options, as supported by postdated checks (PDCs) of the SME buyer. The SME buyer should be required to make a deposit of at least 20% on the cost of the IT package; financing not to exceed P200,000 per SME buyer

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Interest Rate (starting 1st Quarter 2006): Fully Secured Loans 9.7% per annum Partially/At least 50% Secured Loans Plus 1.0 % point Partially/Less than 50% Secured Loans Plus 2.0 % points Service Fees (to be deducted from loan proceeds; no front-end fees): Evaluation Fee of 1% of approved loan but not less than P3,000 Processing Fee of 1% of loan release Out-of-town processing fees o None for Metro Manila, Cebu and Davao o P2,000 for the CALABAR and Region 3 provinces o P4,000 or actual air fare for the rest of the country Security: Joint and Several Signatures (JSS) of the owners May be on a clean basis up to P1.0 Million, beyond which the loan should be at least 50% secured by hard collateral. Documentary Requirements Upon Loan Application: Accomplished business loan application form (with picture) Notarized Client Information Sheet Latest in-house and BIR-filed financial statements Business registration papers Location map of the project GUARANTEE PROGRAMS Contact Details: Mr. Hector M. Olmedillo Vice President Institutional Market Finance Group Phone: (632) 751 - 1888 Fax: (632) 813.5726 e-mail: holmedillo@sbgfc.org.ph Program Titles: SME-GUARANTEE FOR ENTERPRISES IN MANUFACTURING AND SERVICES (SME-GEMS) Projects which are or will be engaged in manufacturing, services and trade activities, whether for domestic or export market, except trading of cigarettes and liquor, housing, and vice-generating business activities.

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SME-GUARANTEE RESOURCES FOR AGRIBUSINESS INVESTMENTS (SME-GRAIN) Projects in agribusiness except direct farm level of production, livestock, poultry, fishing and aquaculture. Eligible project are those which are one step forward from the above mentioned production activities. SME-GUARANTEE LINES FOR ANCHOR INDUSTRIES (SMEGLAD) Eligible projects are SMEs that supply goods and services to private business firms commonly referred to as Big Brother Companies. GUARANTEE FOR SUPPLIERS OF LOCATORS OF PEZA/ BOI Programs Objectives: To stimulate the flow of credit to the SME sector thru the provision of credit guarantees and other support; and To encourage greater participation of financial institutions in the development of SMEs. Eligible Borrowers: Asset size before the loan, exclusive of the value of the land where project is situated: o Small Scale P1.5 Million to P15.0 Million. o Medium Scale More than P15.0 Million up to P100.0 Million. Individual/sole proprietorship, partnership, corporation, cooperative, organization or association; If a sole proprietorship or partnership, it must be 100% owned and capitalized by Filipino citizen. However, if it is juridical entity, at least 60% of its capital or outstanding stocks must be owned by Filipino citizens; Must neither be a branch, subsidiary or division of a large scale enterprise nor may its policies be determined by a large scale enterprise or by persons who are not owners or employees of the enterprise; Its latest in-house financial statements must comply with a current ratio of at least 1.20:1.00 and debt-to-equity ratio of at most 80:20 before the loan; Must have generated positive income for the immediate past year based on BIR-filed financial statements; In the case of new enterprise, the technology must be tested and proven and market must be clearly identified; Must have a firm, determined and reliable market and proven managerial capability; Projected internal rate of return on investment of at least 15% per annum;

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For new exporters, at least two (2) years profitable performance as local producers or sub-contractors; Three-year profitable performance with average annual sales of at least US$100,000.00 or eight (8) LC/PO/SC transactions totaling at least US$200,000.00 must have been consummated if less than three years; The exporter/borrower and foreign buyers must be pre-cleared with the negative list of the Bureau of Export Trade Promotion (BETP); and, The borrower must have the production capacity to carry out orders. Loan Purpose: Acquisition of Assets: o for land or project site acquisition (not more than 25% of the loan amount for guarantee) o building improvements/expansion or construction of plant facilities o for acquisition of machineries and equipment (new or second hand/reconditioned) Permanent Working Capital Temporary Working Capital Debt retirement/ refinancing Financial lease/ lease purchase of a single or variety of machinery, equipment and facilities Terms/Requirements: Amount (for guarantee cover): P100,000.00 to P20.0 Million.

Interest Rate: Not to exceed 30% per annum inclusive of all fees and charges. Guarantee Fee: 2% per annum of the guaranteed portion.

Maturity / Repayment: Credit Line term of one (1) year payable upon maturity of Promissory Notes (PNs). Term Loan o Land or project site acquisition / Building improvements/ expansion or construction of plant facilities maximum of seven (7) years inclusive of two (2) years grace period on principal payments.

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Acquisition of machinery and equipment New equipment: should not exceed the useful economic life of the equipment or not more than five (5) years, whichever is shorter; grace period of up to one (1) year on principal payment. Second hand/reconditioned equipment: term should not exceed 70% of the remaining useful economic life of the equipment or not more than three (3) years, whichever is shorter; grace period of up to one (1) year on principal payment. Permanent Working Capital maximum term of five (5) years inclusive of one (1) year grace period on principal payments.

Term loans shall be paid monthly, quarterly or semi-annually. Financial lease/lease purchase maturity shall not exceed seventy percent (70%) of the useful economic life of an asset which would in no case exceed seven (7) years. Security: Project assets to be financed by loan should form part of collateral. Joint and several surety of principal stockholders/partners/officers and non-individual borrowers Credit life insurance cover or MRI on individual borrower or owner/ managing partner/CEO/COO or principal stockholder(s) of corporate borrowers. Insurance coverage of project assets offered as collateral against loss and destruction or damage caused by fire and other calamities during the term of the loan at least up to the extent of the loan value.

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WHOLESALE PROGRAMS Contact Details: Mr. Hector M. Olmedillo Vice President Institutional Market Finance Group Phone: (632) 751.1888 Fax: (632) 813.5726 e-mail: holmedillo@sbgfc.org.ph Program Title: SME-FUNDING ACCESS FOR SHORT TERM LOANS (SME-FAST) Program Objectives: A wholesale short-term funding conduited through banking institutions with recourse to the bank. Its objectives are: To provide SMEs wider access to short-term credit by improving the over-all liquidity of the financial system; and To provide incentive to competitive SMEs by way of access to short-term loans with lower interest rates. Eligible Borrowers: Enterprises with asset size of not less than P500,000 and not more than P100.0 million, excluding the value of land. Relatedly, the enterprise should not be a subsidiary or division of a large enterprise; The enterprise is at least 60% Filipino-owned; and All enterprises except those engaged in farm-level agriculture/ aquaculture production, in purely retail trading, in extractive industries, in vice generating activities and in housing. Terms/Requirements: Amount: Loan should be within P100 Thousand to P20.0 Million per individual borrower, provided that the amount to be rediscounted shall be up to 90% of the outstanding balance of the loan or up to P15 Million, whichever is lower. Interest Rate: Shall be set monthly by SB Corporation. The date of availment shall determine the applicable interest rate. Maturity/Repayment: Maximum of 360 days (short term). Repayment of both principal and interest, unless otherwise stated in the PN, shall be upon its maturity.

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Security Real Estate Mortgage (REM) cover with loan value equivalent to at least fifty percent (50%) of the loan amount; Unencumbered time/hold-out deposits of at least equal to the loan amount; For accredited leasing companies, chattel mortgage (CHM) cover with loan value equivalent to at least 70% of the loan amount; From the Bank, there should be a Deed of Assignment with Recourse on all rights, interests and/or titles covering the rediscounted PN; and, Deed of Undertaking with Custodianship, if applicable.

Program Title: SME-FUNDING FOR INVESTMENTS IN REGIONAL MARKETS (SME-FIRM) Program Objectives: A wholesale medium-term funding conduited through banking institutions with recourse to the bank to attain the following: To provide SMEs wider access to medium-term credit by improving the financial systems capability to allocate for these requirements; To provide incentive to competitive SMEs by way of access to medium-term loans with lower interest rates; To provide SMEs a more steady financing cost base that would enable them to grow in their investment areas; and To reach out to SMEs in provincial cities and other areas outside of the traditional centers of lending, thereby providing opportunities for growth in the regions. Eligible Borrowers: Enterprises with asset size of not less than P500 thousand and not more than P100.0 Million, excluding the value of land. Relatedly, the enterprise should not be a subsidiary or division of a large enterprise; The enterprise is at least 60% Filipino-owned; All enterprises except those engaged in farm-level agriculture/ aquaculture production, trading of imported goods, of liquor and cigarettes, in extractive industries, and in housing projects; Also excluded are enterprises with the following financial profile; o Less than two (2) years profitable experience; o Latest current ratio less than 1.2; o Latest debt-equity ratio of more than 80:20; o Latest return on equity of less than ten percent (10%); o Latest accounts receivable level of more than nine (9) months; and o Inventory level of more than one (1) year.
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Borrower should be able to capitalize at least 20% of the total cost of putting up the project; The project has an estimated internal rate of return of at least 15% during the term of loan. Loan Purpose: Permanent working capital. Fixed asset acquisition/construction, where land purchase should not exceed 25% of the total loan amount. Terms/Requirements: Amount: Should be within P100,000 to P15.0 Million per borrower. The loan limit applies on an aggregate amount basis to borrowers with related interests by way of stockholdings and/or family ties. Interest Rate: Shall be set monthly by SB Corporation. The date of availment shall determine the applicable interest rate. Maturity/Repayment: Term of at least one (1) year and not more than seven (7) years depending on the requirement of the borrower, as follows: Fixed asset acquisition/construction Up to seven (7) years repayment term inclusive of one (1) year grace period on principal payment; Permanent working capital Up to five (5) years repayment term inclusive of six (6) months grace period on principal payments. In case of combinations where the permanent working capital component exceeds fifty percent (50%) of the total loan amount, the longer term for the fixed asset component may apply to the entire loan. The loan is payable either monthly, quarterly or semi-annually. Security: Real Estate Mortgage (REM) cover with loan value equivalent to at least fifty percent (50%) of the loan amount; Unencumbered time/hold-out deposits of at least equal to the loan amount; For accredited leasing companies, chattel mortgage (CHM) cover with loan value equivalent to at least 70% of the loan amount; From the Bank, there should be a Deed of Assignment with Recourse on all rights, interests and/or titles covering the rediscounted PN; and, Deed of Undertaking with Custodianship, if applicable.
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Program Title: SME EQUITY VENTURES PROGRAM (EVP) Program Objectives: To support the financing needs of small and medium enterprises (SMEs) that are ready to develop into a higher level of marketing, technical, management and production operations. The program shall be implemented with a private sector partner who shall put up a counterpart fund equal to the EVP fund. Equity investments in SMEs between the SB Corporation and its partner shall be on a 50:50 basis. The Small Business Corporation and its partner shall jointly manage the investment fund. Eligible Investee Firm: SME Corporation or an enterprise willing to incorporate if it is a registered proprietorship/ partnership entity; Must have a well-defined business plan which has been developed in identifying the potential revenue/income and resource requirements needed to attain and sustain success; Have a track record of success in the targeted industry and technology. It must already be operating profitably, or if not, close to commercializing its products and/or services with an early indication of market acceptance; The products or services of the enterprise have the potential of becoming nationally, if not globally competitive; If using a new technology, must be able to show appropriate technology transfer arrangement of the key intellectual property rights. It must be able to present a working prototype of the technology or product application; Must have a capable and experienced management team with at least one (1) key senior officer with a similar record in managing similar companies; and The directors and officers of the SME have impeccable integrity to safeguard the interest of its stockholders, creditors, and customers. Investment Areas: Industrial and manufacturing projects; Agri-business projects; Services projects; Tourism and environmental projects.

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Purpose of Equity Venture Financing: Acquisition of machinery and equipment; Building improvement/expansion or construction of plant facilities; and Working capital. Terms/Requirements: Amount: Maximum of P20.0 Million or not more than 40% of the authorized capital of the SME, whichever is lower. Documentary Requirements: Letter on intent and application form; Company background, history and profile; Business Plan/Feasibility Study; Business Permits and Licenses; Certificate of registration with the DTI, Securities and Exchange Commission (SEC), and other authorities; Articles of Incorporation and By-Laws together with all amendments thereon; Latest audited financial statements (cash flow, income statement, balance sheet including supplementary statements and schedules), and income tax return; Biodata of officers and Board of Directors; Pro-forma invoice/bill of materials and specifications, project plans and contracts; and, Titles, tax declarations, location plan, current tax receipts of properties. Contact Details: Mr. Charles G. Belgica Special Projects Office Phone: (632) 751.1888 Fax: (632) 813.5726 e-mail: cbelgica@sbgfc.org.ph spo@sbgfc.org.ph

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SOCIAL SECURITY SYSTEM (SSS) SSS Building, East Avenue, Diliman, Quezon City Phone: (632) 920.6401 Program Title: SME UNIFIED LENDING OPPORTUNITIES FOR NATIONAL GROWTH (SULONG) Program Objective: To provide SSS members, belonging to the small and medium enterprises (SMEs) category, greater access to short and long-term funds through SSS accredited conduit banks/ participating financial institutions (PFIs) which will re-lend the fund to qualified SSS member-borrowers. Loan Purposes: Short-Term Loan export packing credit, and temporary working capital; Long-Term Loan purchase of equipment, building or warehouse construction, purchase of lot, purchase of inventories or as permanent working capital Eligible Borrowers: Existing private enterprises in all industries except trading of imported goods, liquor, cigarettes, and extractive industries like mining or quarrying; At least 60% Filipino owned; Asset size of not more than P100.0 million excluding land; Have positive income for the previous year (if previous years income is negative, the average income of the past two or three years should be positive); Have debt-to-equity ratio of not more than 80:20 after financing, or 70:30 if borrower is a franchisee; and SSS member-employers of good standing. Terms/Requirements: Amount: Short-Term Loans Up to 70% of the value of the Letter of Credit or Purchase Order for export packing, or 70% of the working capital requirement, or maximum of P5.0 Million. Long-Term Loans Up to 80% of the incremental project cost, or maximum of P5.0 Million. Interest Rates: Short-Term Loans o To PFI Fixed rate based on prevailing 364-day T-bill Rate. o To End-user/ Borrower PFIs option Long-Term Loans o To PFI Over 1-5 yr. term loan based on the prevailing T-Bond rate but not to exceed 10% p.a. o To End-user/ Borrower PFIs option
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Maturity / Repayment: Short-Term Loans Maximum of one (1) year. Long-Term Loans Maximum of five (5) years with one (1) year grace period on principal payment. Security: Short-Term Loans o Postdated Check o Registered/Unregistered Real Estate Mortgage (REM) or Chattel Mortgage (CM) o Assignment of Letter of Credit (LC) or Purchase Order (PO) (for export packing credit only) o Assignment of Life Insurance o Guarantee Cover o Corporate Guarantee (if franchisee; for credit line-temporary working capital only) o Assignment of Lease Rights (if franchisee; for credit linetemporary working capital only) Long-Term Loans o Postdated check o Registered/Unregistered REM/CM o Assignment of Life Insurance o Corporate Guarantee (if franchisee) o Assignment of Lease Rights (if franchisee) Contact Details: Institutional Loans Department (ILD) Phone: (632) 927.8249 (632) 920.6401 locals 5115 or 5118 e-mail: marquezls@sss.gov.ph

Program Title:

THE SSS SPECIAL FINANCING PROGRAM

Program Objectives: To address the unavailability of credit facility to the business sector by making funds available through the SSS accredited conduit banks / participating financial institutions (PFIs) which will onlend the fund to eligible borrowers; To encourage the formation and growth of barangay micro business enterprises; and To generate employment.

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Eligible Borrowers: New or existing micro, cottage, small and medium enterprises including registered Barangay Micro Business Enterprises (BMBEs) as well as entities with asset size of not more than P200.0 Million; Enterprises engaged in agribusiness, manufacturing, utilities, transportation and communications, commercial production, particularly of food and basic consumer items, and products for export, trading, and service-oriented enterprises; and SSS member-employer of good standing. Loan Purposes: Construction or renovation or expansion of building; Acquisition or upgrading of machinery and equipment; Acquisition of land; and Working Capital. Terms/Requirements: Amount: Maximum loan of P50.0 Million. For land acquisition, the loanable amount is up to 40% of its cost but not to exceed 40% of SSS loan. Interest Rate (subject to review every five years): To PFI: o 1 year - 7% o over 1-3 years - 9% o over 3-5 years - 10% o over 5 years - 11% To End-user/ Borrower: PFIs option. Maturity / Repayment: Maximum of ten (10) years, in equal monthly, quarterly or semi-annual payments, which may include a two (2) year grace period on principal payment, if warranted. Loan to BMBEs may be amortized monthly or quarterly depending on the cash flow projections of the borrower. Security: Any collateral acceptable to the PFIs. However, loan to BMBEs, if not secured by hard collateral, may also be secured by the Small Business Corporation (SB Corporation) Guaranty. Contact Details: Institutional Loans Department (ILD) Phone: (632) 927.8249 (632) 920.6401 locals 5115 or 5118 e-mail: marquezls@sss.gov.ph
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Program Title: INDUSTRY LOAN PROGRAM (Under the PFIs Omnibus Credit Line) Program Objectives: To contribute to the national recovery effort by providing financial assistance to selected companies through the SSS accredited conduit banks / participating financial institutions (PFIs); To create employment opportunities by increasing the capacity utilization or modernization of plant and equipment of selected companies; and To further diversify SSS investments and to efficiently use its resources consistent with its earnings, liquidity and risk targets. Eligible Borrowers: Existing and Start-up enterprises with the following qualifications: Engaged in Agribusiness (contract growing, aquaculture), Food Processing (rice, oil, feedmill, meat processing), Manufacturing (garments, ceramics, textile, furniture, construction materials, etc.), Service Oriented Enterprises (transportation, warehousing, utilities, etc.), Tourism Related Projects (hotels, resorts, theme parks, etc.), and Real Estate Development Projects (industrial estate development, commercial); Have an asset size of at least P60.0 million; Have a debt-equity ratio not exceeding 75/25 after financing; Have proven track record of profitability; Be at least 70% Filipino-owned, for corporation; Not have defaulted in the payment of interest on any of its debts, securities or loans; and SSS member-employer of good standing Loan Purposes: Modernization of plant and equipment resulting to an increase in production capacity; Civil works and construction of building. Increasing capacity utilization of existing firms; Additional / new capacity; and Acquisition of land. Terms/Requirements: Amount: Minimum of P51.0 Million; Maximum of P500.0 Million (75% of the requirement of the project but not to exceed P500.0 Million or loan value of collateral whichever is lower).

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For land acquisition, the loanable amount is up to 40% of its cost but not to exceed 40% of SSS loan. Interest Rate: subject to review every five (5) years To PFI: o over 1-3 years 9% o over 3-5 years 11% o over 5 years - 12% To End-user: PFIs option. Maturity / Repayment: Maximum of ten (10) years, in equal monthly, quarterly or semi-annual payments depending on the cash flow requirements of the project. Grace period for amortization of the principal may be given on a case-to-case basis, but not to exceed three (3) years. Security: Real Estate/Chattel Mortgage and other collaterals acceptable to the PFIs. Contact Details: Institutional Loans Department (ILD) Phone: (632) 927.8249 (632) 920.6401 locals 5115 or 5118 e-mail: marquezls@sss.gov.ph

Program Title: FINANCING PROGRAM FOR TOURISM PROJECTS Program Objectives: To provide long-term financing to SSS members engaged in tourism projects through the SSS accredited conduit banks / participating financial institutions (PFIs) as a means of spurring economic growth and regional development; To contribute to the governments program of generating more employment opportunities especially in the countryside; and To contribute to the countrys foreign exchange earnings. Eligible Borrowers: New or Existing enterprises engaged in tourism business; At least 60% Filipino-owned; Must have a track record, experience and training on the project being proposed; Must have debt-to-equity ratio of not more than 75:25 before and after financing; and Must be an SSS member of good standing Loan Purposes: Site development; Enhancement of existing facilities; Construction of building e.g. resort cottages; Acquisition of machinery and equipment, furniture, furnishings and fixtures; and Acquisition of land.
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Terms/Requirements: Amount: Depends on the requirements of the project/business but not to exceed P150.0 million. For land acquisition, the loanable amount is up to 40% of its cost but not to exceed 40% of SSS loan. Interest Rates : Subject to review every five years To PFI Borrower 1-3 years over 3-5 years over 5-10 years 9% 10% 11% (Maximum of) 13% 14% 15% To End-user/

Maturity / Repayment: Maximum of ten (10) years, in equal monthly, quarterly or semi-annual payments, including a grace period on the repayment of principal of not more than three (3) years. Security: Real Estate/Chattel Mortgage and other collaterals acceptable to the PFIs. Contact Details: Institutional Loans Department (ILD) Phone: (632) 927.8249 (632) 920.6401 locals 5115 or 5118 e-mail: marquezls@sss.gov.ph

Program Title: SPECIAL FINANCING PROGRAM FOR VOCATIONAL AND TECHNICAL SCHOOLS Program Objectives: To contribute to the development of vocational and technical skills necessary to increase the overall productivity in the economy, thus help in accelerating the economic and social development of the country; To improve access of the general population and in particular, SSS members and their dependents, to better educational facilities by providing long-term financial assistance to private vocational and technical schools through the SSS accredited conduit banks / participating financial institutions (PFIs); and To create awareness and appreciation of the demand and potential earning capabilities of vocational and technical skills.

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Eligible Borrowers: New or existing private vocational and technical schools duly licensed by an authorized agency such as the Department of Education (DepEd), Technical Education and Skills Development Authority (TESDA), and Commission on Higher Education (CHED); At least 60% Filipino-owned; Have a proven track record of profitability; Have a debt-to-equity ratio of not more than 75:25 after financing; An SSS member-employer of good standing; and, Not have defaulted in the payment of any loan obligations or securities. Loan Purposes: Construction of new school buildings; Completion or improvement of existing school buildings; Acquisition or repair/upgrading of school equipment and facilities; Repair and reconstruction of school buildings damaged by recent calamities; and Acquisition of land. Terms/Requirements: Amount: Maximum of 80% of the total project cost, but not to exceed P75.0 Million; For repair and reconstruction projects in declared calamity areas, 100% of the project cost, but not to exceed P75.0 Million. For land acquisition, the loanable amount is up to 40% of its cost but not to exceed 40% of SSS loan. Interest Rates : Subject to review every five years To PFI 1-3 years over 3-5 years over 5-10 years 9% 10% 11% To End-user/ Borrower (Maximum of) 13% 14% 15%

Maturity / Repayment: Ten (10) years, in equal monthly, quarterly or semi-annual payments, including a grace period of three (3) years on principal payment. Security: Preferably by a Real Estate Mortgage on the borrowers property or any collateral acceptable to the PFIs. Contact Details: Institutional Loans Department (ILD) Phone: (632) 927.8249 (632) 920.6401 locals 5115 or 5118 e-mail: marquezls@sss.gov.ph
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Program Title:

HOSPITAL FINANCING PROGRAM

Program Objectives: To facilitate the establishment of and to help maintain hospitals and related institutions for the sick, aged and infirm members and their families by making funds available through the SSS accredited conduit banks / participating financial institutions (PFIs); To improve hospital care delivery to the general population and to SSS members and their dependents by making adequate hospital care accessible and affordable to low-income employees; and, To support the national governments program of attaining a much better distribution of hospital facilities throughout the country that will be more responsive to the needs of particular localities and their inhabitants. Eligible Borrowers: All categories of hospitals licensed by the Department of Health (DOH), either primary, secondary, or tertiary may borrow under the loan program and must: Be at least 60% Filipino-owned; Have a proven track record of profitability; Maintain a debt-to-equity ratio of 75:25 after financing; Be an SSS member-employer of good standing; and, Not have defaulted in the payment of any loan obligations or securities. Loan Purposes: Construction of new hospital buildings and institutions for the sick, aged, and infirm individuals; Completion or improvement of existing hospital buildings; Acquisition or repair/upgrading of hospital equipment and machinery; Repair and reconstruction of hospital buildings damaged by recent calamities; Construction, expansion and improvement of doctors clinics as part of the hospital building complex; and Acquisition of land. Terms/Requirements: Amount: Maximum amount shall be 75% of the project cost but not to exceed P150.0 Million for primary and secondary hospitals and P350.0 Million for tertiary hospitals. For repair and construction projects in declared calamity areas, the maximum amount shall be 100% of the project cost but not to exceed P150.0 Million for primary and secondary hospitals and P350.0 Million for tertiary hospitals.
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For doctors clinics, the loanable amount is equivalent to 50% of the project cost, but not to exceed P150.0 Million. For land acquisition, the loanable amount is up to 40% of its cost but not to exceed 40% of SSS loan. Interest Rates : Subject to review every five years To PFI 1-3 years over 3-5 years over 5-10 years 9% 10% 11% To End-user/ Borrower (Maximum of) 13% 14% 15%

Maturity / Repayment: Payable within ten (10) years, including a grace period of three (3) years on the principal. Principal balance will be amortized monthly, quarterly, and semi-annually together with the interest based on the cash flow projections. Security: Preferably by a Real Estate Mortgage on the borrowers property or any collateral acceptable to the PFIs. Contact Details: Institutional Loans Department (ILD) Phone: (632) 927.8249 (632) 920.6401 locals 5115 or 5118 e-mail: marquezls@sss.gov.ph

Program Title: SSS FINANCING PROGRAM FOR EDUCATIONAL INSTITUTIONS Program Objectives: To improve access to better educational facilities by providing longterm financial assistance to private educational institutions through the SSS accredited conduit banks / participating financial institutions (PFIs); To enhance the countrys economic productivity thru the development of a larger pool of professionals and skilled workers to support the countrys industrial and agricultural expansion; and To complement the governments aim to achieve a better distribution of educational institutions nationwide.

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Eligible Borrowers: New or existing private educational institutions in the elementary, secondary, or collegiate/university level which are duly licensed by the Department of Education (DepEd) or the Commission on Higher Education (CHED), may borrow under the program and the borrowing institution must: Be at least 60% Filipino-owned; Have a proven track record of profitability; Maintain a debt-to-equity ratio of 75:25 after financing; Be an SSS member-employer of good standing; and, Not have defaulted in the payment of any loan obligations or securities. Loan Purposes: Construction of new school buildings including gymnasium, library and other facilities related to schools operations (sports complex, multi-purpose hall, covered court, track and field, etc.); Completion or improvement of existing school buildings; Acquisition or repair/upgrading of school equipment and machinery; Repair and reconstruction of school buildings damaged by recent calamities; and Acquisition of land. Terms/Requirements: Amount: The maximum loanable amount shall be 75% of the total project cost but not to exceed P150.0 Million for primary and secondary schools, P250.0 Million for colleges, and P350.0 Million for universities. For land acquisition, the loanable amount is up to 40% of its cost but not to exceed 40% of SSS loan. Interest Rates : Subject to review every five years To PFI 1-3 years over 3-5 years over 5-10 years 9% 10% 11% To End-user/ Borrower (Maximum of) 13% 14% 15%

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Maturity / Repayment: The loan is payable within ten (10) years including a grace period of three (3) years on the principal. The principal balance will be amortized monthly, quarterly or semi-annually together with the interest based on the cash flow projections. Security: Preferably by a Real Estate Mortgage on the borrowers property or any collateral acceptable to the PFIs. Contact Details: Institutional Loans Department (ILD) Phone: (632) 927.8249 (632) 920.6401 locals 5115 or 5118 e-mail: marquezls@sss.gov.ph

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