Fast credit decision.
Hassle-free requirements.
Non-collateral business loans up to ₱100,000,000.
Zero application fees.
Business Financing and Growth Solutions for Filipino SMEs
Esquire Financing Inc. (EFI) supports Filipino entrepreneurs and small and medium enterprises (SMEs) with business financing and partnership opportunities designed for different stages of business growth.
Whether you are looking for additional business financing, want to refer another entrepreneur, or are interested in becoming part of EFI's business network, explore our services below.
Access non-collateral business loans designed to support working capital, expansion, inventory, operational requirements, and other business growth needs.
Esquire Connect is EFI's business referral program that allows clients and non-clients to refer entrepreneurs and business owners who may need business financing. Eligible referrers can earn a referral incentive of 1% when a referred business successfully qualifies for and receives financing from EFI.
Ambassador for Success is EFI's sales agent program for individuals who want to help Filipino entrepreneurs access business financing. Ambassadors connect SMEs with EFI's financing solutions while receiving training, support, and opportunities to earn through successful business loan referrals.
EFI's Rediscounting Facility lets businesses convert post-dated checks (PDCs) into usable cash before they mature. Simply share the details of the PDCs you hold, EFI verifies the check issuer, and once approved, funds are released directly to your account, giving you immediate working capital without waiting on payment terms.
Existing EFI clients may be eligible to apply for additional business financing to support new working capital requirements, expansion opportunities, inventory purchases, or other business needs.
Eligibility, available financing amounts, and applicable terms are subject to EFI's credit assessment and approval criteria.
Non-collateral business loans up to ₱100,000,000.
Receive A business loan approval in as fast as 1 day.
Hassle-free Minimal documentary requirements.
A New Business Loan.
The Story of EFI
EFI has been providing funding solutions to SMEs.
CUSTOMERS that are being supported by EFI.
EMPLOYEES of EFI that serve the needs of our customers.
Our Customers
"With Esquire, the process was easy. They don’t make it very tough for you as long as your provide the right documents. It’s also fairly easy to get their approval, their interest rates are also friendly to small business owners. Plus, the speed at which they release the funds is also very fast."
"Pathways needed funding to be able to support the growing number of orders that we have been getting from all over the country for the roads we needed to build. This is where Esquire came in. It started by filling the lead form on their website, uploading the necessary documents after the first screening. In less than a week, Pathways was able to secure the funding they needed."
Blogs
For Your Reference
Browse all FAQsThere are 2 ways to apply for our loans with no collaterals.
Fill out our online application form here and wait for SMS and/or email confirmation, this will contain next steps as well.
OR
Apply in any of our offices or accredited sales affiliates and partners nationwide.
To qualify for Esquire's business loans, your business should be duly registered and operational for one year. Additionally, we require either an active bank account or savings account.
We require an existing checking account for business loan requirements as repayments are made through post-dated checks (PDCs).
Upon receipt of your complete application, receive your business financing in the form of a non-collateral loan in as fast as 1 day.
You will receive an email and SMS on the results of your application. In addition to that, an EFI Agent will contact you as soon as your business loan has been approved!
Payment is done through submission of post-dated checks (PDCs) on release of the loan.
Our focus is on supporting local businesses through small business financing and SME loans in the Philippines. We do not offer personal loans, as our services and loan requirements are designed to meet business growth needs.
The interest rate is determined by the credit committee and varies based on loan requirement, amount and term length. For specific rates, we encourage interested applicants to submit an application.
A collateral loan requires assets such as security, while a non-collateral loan does not, allowing for a faster, easier loan approval process.
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