PHSynergy Financial Consultancy Services

PHSynergy Financial Consultancy ServicesPHSynergy Financial Consultancy ServicesPHSynergy Financial Consultancy Services

PHSynergy Financial Consultancy Services

PHSynergy Financial Consultancy ServicesPHSynergy Financial Consultancy ServicesPHSynergy Financial Consultancy Services
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MORTGAGE LOAN

A secured loan with competitive interest rates and flexible terms. By providing collateral, you can access financing of up to PHP50M.

APPLY NOW

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High loanable amount

High loanable amount

High loanable amount

Borrow up to PHP50M as long as you have the collateral to secure it.

Low interest rates

High loanable amount

High loanable amount

We want to make it possible for the everyday Filipino to open or grow their business. Enjoy as low as 0.83% interest per month with the Home Equity Loan.

Fast approval

Flexible loan terms

Flexible loan terms

Keep the momentum going. After submitting the complete application requirements, you can get pre-approval as fast as 3 days and loan release within a few weeks to one month.

Flexible loan terms

Flexible loan terms

Flexible loan terms

Loan terms can be up to 20 years depending on the bank’s valuation.

READY. SET. GROW.

Fuel Your Business Growth with Our Business Mortgage Loan (BML)!

Our Business Mortgage Loan or BML is designed to help businesses make significant investments or purchases. With loan amounts of up to PHP 50M and flexible terms of up to 20 years, this secured loan provides the financial support you need to drive growth and expand your business.

Perfect for financing:

  • Property Acquisition – Purchase commercial property or real estate for your business.
  • Working Capital – Strengthen cash flow for smooth day-to-day operations.
  • Facility Upgrades – Renovate or expand your business premises.
  • Equipment Purchases – Invest in new machinery or tools to boost operations.
  • Business Expansion – Open new locations or grow your current operations.

Plus, with our No Cash Out For Charges feature, you can include costs like insurance and registration fees directly in your loan!

Find out more

DOCUMENTARY REQUIREMENTS

SOLE PROPRIETORSHIP

PARTNERSHIP/CORPORATION

PARTNERSHIP/CORPORATION

  • Completely filled out and signed loan application form
  • Clear copy of marriage contract (if married)
  • Clear copy of one valid ID (photo-bearing government issued) of borrower/ spouse/co-borrower/ signatories of the loan
  • Latest Income Tax Return and Comparative Audited Financial Statements (with Notes to AFS) or two years Audited Financial Statements if latest is not comparative
  • If operating for ONE year or less: Financial Projections and Prospects
  • Certificate of Business Name Registration with DTI (for sole proprietorship) or Articles of Partnership (for partnership business)
  • Certificate of Registration with BIR
  • Certificate of Registration with Farmers and Fisherfolk Enterprise Development Information System (FEEDIS), as applicable
  • Barangay Permit
  • Authorization letter (for bank, business and trade checkings)
  • Valid Business/Mayor’s permit
  • IF STARTUP: Financial Projections and Prospects (if applying as a startup or if business has been in operation for less than 3 years)

PARTNERSHIP/CORPORATION

PARTNERSHIP/CORPORATION

PARTNERSHIP/CORPORATION

  • Completely filled out and signed loan application form
  • Company profile: background, owners, key officers
  • Clear copy of one valid ID (photo-bearing government issued) of borrower/spouse/co-borrower/signatories of the loan
  • SEC papers:
    • Corporation – Certificate of Incorporation, Articles of Incorporation, By-laws and General Information Sheet, Board Resolution
    • Partnership – SEC Certificate, Articles of Partnership, Partnership Resolution
  • Latest Bank Statements (latest 6 months with debits and credits)
  • Latest Income Tax Return and Comparative Audited Financial Statements (with Notes to AFS) or two years Audited Financial Statements if latest is not comparative
  • Authorization letter (for bank, business and trade checkings)
  • Suretyship of majority owner/s
  • Valid Business/Mayor’s permit
  • IF STARTUP: Financial Projections and Prospects (if applying as a startup or if business has been in operation for less than 3 years)
  • Certificate of Registration with BIR
  • Certificate of Registration with Farmers and Fisherfolk Enterprise Development Information System (FEEDIS), as applicable
  • Barangay Permit

HOW IT WORKS

Detail your services

Step 1

Application and Interview

Submit clear copies of all the requirements. Our credit investigation team will then interview you and your references. After this, they will contact you about pre-approval within 2 to 3 days.


Step 2

Property Appraisal

After pre-approval, we move on to the inspection and appraisal of your property and business. You will be notified of your approved loan amount within just 1 week!

A non-refundable appraisal fee must be paid on or before the appraisal date.


Step 3

Contract Signing

Our credit investigation team will inform you of any additional documents that you may need to submit. You will then sign your mortgage contract and we’ll register the property’s mortgage.

Processing will be completed within 3 to 4 days only.

Step 4

Loan Release

Simply issue post-dated checks for your monthly payment and you’re done! You can now open or build up your business using your loan.

Frequently Asked Questions

Please reach us at Apply@phsynergy.com if you cannot find an answer to your question.

You are eligible to apply for this loan facility if your business is a duly registered entity, such as a single proprietorship, partnership, or corporation.

Loan approval typically takes 7-20 business days depending on the completeness of your submitted requirements and application. We aim to process all applications as quickly and efficiently as possible.

Sole Proprietorship

  • Completely filled out and signed loan application form
  • Clear copy of marriage contract (if married)
  • Clear copy of one valid ID (photo-bearing government issued) of borrower/ spouse/co-borrower/ signatories of the loan
  • Latest Income Tax Return and Comparative Audited Financial Statements (with Notes to AFS) or two years Audited Financial Statements if latest is not comparative
  • If operating for ONE year or less: Financial Projections and Prospects
  • Certificate of Business Name Registration with DTI (for sole proprietorship) or Articles of Partnership (for partnership business)
  • Certificate of Registration with BIR
  • Certificate of Registration with Farmers and Fisherfolk Enterprise Development Information System (FEEDIS), as applicable
  • Barangay Permit
  • Authorization letter (for bank, business and trade checkings)
  • Valid Business/Mayor’s permit
  • IF STARTUP: Financial Projections and Prospects (if applying as a startup or if business has been in operation for less than 3 years)

Partnership/Corporation

  • Completely filled out and signed loan application form
  • Company profile: background, owners, key officers
  • Clear copy of one valid ID (photo-bearing government issued) of borrower/spouse/co-borrower/signatories of the loan
  • SEC papers:
    • Corporation – Certificate of Incorporation, Articles of Incorporation, By-laws and General Information Sheet, Board Resolution
    • Partnership – SEC Certificate, Articles of Partnership, Partnership Resolution
  • Latest Bank Statements (latest 6 months with debits and credits)
  • Latest Income Tax Return and Comparative Audited Financial Statements (with Notes to AFS) or two years Audited Financial Statements if latest is not comparative
  • Authorization letter (for bank, business and trade checkings)
  • Suretyship of majority owner/s
  • Valid Business/Mayor’s permit
  • IF STARTUP: Financial Projections and Prospects (if applying as a startup or if business has been in operation for less than 3 years)
  • Certificate of Registration with BIR
  • Certificate of Registration with Farmers and Fisherfolk Enterprise Development Information System (FEEDIS), as applicable
  • Barangay Permit

Additional Documents for Start-up Businesses with Employed Owner/s

  • Completely filled out and signed loan application form
  • Clear copy of marriage contract (if married)
  • Clear copy of one valid ID (photo-bearing government issued) of borrower/spouse/co-borrower/signatories of the loan
  • Certificate of Employment and Compensation (COEC) / Employment Contract OR Latest 3 months payslips OR Latest ITR (BIR form 2316)
  • Certificate of Business Name Registration with DTI (for sole proprietorship) or Articles of Partnership (for partnership business)
  • Authorization letter (for bank, business and trade checkings)
  • Employment Verification (EV) by SBC CI Unit
  • If OFW, with Special Power of Attorney (SPA)

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