Financing for Women-Led MSMEs in the Philippines
Frequently Asked Questions
The WEF provides women-led MSMEs with access to loans up to Php 20 million featuring a competitive 1% monthly interest rate on a diminishing balance. A key advantage is that loans up to Php 5 million are collateral-free, significantly reducing the financial risk for smaller businesses. This allows founders to secure vital capital through a streamlined digital application process via the SBCorp website or mobile app.
This program offers a low, fixed interest rate of 5% per year for the first three years, specifically to fund projects like facility renovation or purchase orders. Eligible businesses—which must be at least 51% women-owned—can borrow up to 80% of their total project cost. Beyond credit, the initiative provides essential training and resources to help SMEs sharpen their technical and management skills.
SheSecure offers a performance-based interest rebate of up to 2% per annum for businesses that successfully meet specific gender equality milestones. Targeting larger SMEs with at least Php 50 million in revenue, it provides credit facilities up to Php 30 million alongside mentorship on sustainable business practices. This structure encourages founders to not only grow their revenue but also champion inclusive leadership within their corporate ranks.
Social enterprises receive a comprehensive package of up to Php 5 million in funding paired with specialized technical mentorship and access to a national network of industry partners. Managed by the DOST, the program focuses on scaling businesses that create community jobs and innovate in sectors like agriculture and natural resources. By the end of 2025, it had already deployed Php 118 million to empower women-led social ventures across 16 Philippine regions.
Private firms like Kerubin Capital and Villgro Philippines go beyond traditional lending by providing incubator support and equity investments specifically tailored to underrepresented founders. These firms focus on gender-inclusive strategies and social entrepreneurship, offering a "moat" of expertise and industry connections. Choosing these partners ensures that a startup receives capital from investors who prioritize women's empowerment alongside financial returns.
