Our Business Loans
Unlock your business potential with our business financing loans tailored according to the nature and state of your business. Explore our flexible business loans to boost your growth today.
Business Loan Eligibility Criteria
- Age from 20 years old to 70 years old (co-borrower/co-worker required).
- Business must be operational.
- Borrower must have at least one active bank account.
Business Loan Requirements
- 3 months latest bank statements.
- ITR and/or AFS.
- Business Permits.
Main Elements of a Successful Application
Essential features designed to streamline the loan process, ensuring clarity at every step. From application to approval, each element is crafted to enhance efficiency and trust. Delivering a seamless experience for both banks and customers.
Bank Account
Must have at least one active bank account.
No Adverse Findings
No Adverse Finding i.e court cases(serious offenses),bad reference.
Portflio of Assets
Properties, cars and other tangible assets help to boost credit score increasing the chances of being approved.
Limited Returned Checks
Client with limited returned checks from at least past 3 months.
Good Cash Flow
Consistent and healthy cash flow.
Positive Credit Investigation
Business is in good condition/financially stable.
Existing Business
Business must be operational.
JK Capital Finance Inc. supports growing Filipino entrepreneurs and SME businesses in the Philippines
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Documentation Requirements
Essential documents for accurate processing and compliance.
For Corporations
- SEC Registration and Bylaws
- Secretary Certificate with board resolution
- Latest income tax return with financial statements (Optional)
For Sole Proprietorship
DTI Permit
For Self-employed / Professional Service
- PRC License
- Professional Tax Receipt PTR
- Certificate of Business Name
FAQ’s
Find answers to common questions about our loan products, application process, eligibility, and repayment options. If you need more help, our support team is here to assist you every step of the way for a smooth experience.
For a client who submitted complete requirements, turn-around time for business loan approval is from 5 to 7 business/working days.
Loanable amount is from PHP300,000 to P50,000,000. However, the final approved business loan amount is subject to the Credit Committee’s evaluation.
The business loan terms will vary based on the approval of your loan. We have a minimum of 6 months to a maximum of 1 year repayment terms depending on the approval of our Credit Committee.
Yes, JK Capital accepts collateral to enhance the credit application.
Vehicle must be at least:
= < 5 year old for private vehicle/ cars;
= < 8 year old for trucks and buses
Vehicle for collateral must be under the client’s name
– Checkbook (Corporate checking account needed if client is a Corporation)
– Personal checkbook for security check (Principal borrower and co-borrower for security check)
– Deposit slip dated upon claiming of the loan (any amount will do)
– 2 Original Government Valid IDs of both borrower and co-borrower (same as last presented)
FAQ’s
Find answers to common questions about our loan products, application process, eligibility, and repayment options. If you need more help, our support team is here to assist you every step of the way for a smooth experience.
For a client who submitted complete requirements turn-around time for Loan Approval is seven (5-7 business days) working days for Business loan
Loanable amount is PHP 500,000 to 50M and above. However, the approval of the business loan dependends on the Credit Committee's evaluation.
The business loan terms will vary on the approval of your business loan. We have a minumim and maximum of 6months to 1 year term depending on the approval of our Credit Committee.
For secured loans, we have flexibility of 12 months to 24 months.
Yes, JK Capital does accept collateral to enhance the credit application
Vehicle must be at least:
= < 5 year old for private vehicle/ cars;
= < 8 year old for trucks and buses
Vehicle for collateral must be under the client’s name
– Checkbook (Corporate checking account needed if client is a Corporation)
– Personal checkbook for security check (Principal borrower and co-borrower for security check)
– Deposit slip dated upon claiming of the loan (any amount will do)
– 2 Original Government Valid IDs of both borrower and co-borrower (same as last presented)
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