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There are 2 ways to apply for our non-collateral business loan:

  1. Fill out our online application form here and wait for SMS and email confirmation for the next steps.
  2. Apply in any of our offices or accredited sales affiliates and partners nationwide.

Your business should have been operational for a minimum of one (1) year and you should have a checking account (CA) that has been active for at least six (6) months. See required documents here.

We only entertain clients who have an existing checking account because we receive our clients’ loan payments through post-dated checks (PDCs).

Processing takes up to 7 business days from the receipt of complete application documents.

You will receive an email on the result of your application. In addition to that, an EFI Officer will contact you as soon as it has been approved!

Payment is done through submission of post-dated checks (PDCs) upon the release of the loan.

We are dedicated to helping local enterprises grow. As such, our business model and processes have not been developed to support personal loans.

The interest rate is subject to the approval of the credit committee. The rate may vary depending on the loan amount as well as term length. We welcome interested applicants to submit an application and to sit down with us to discuss this further.

Start your journey towards success.