PayNow Receivables Financing
Get immediate cash for your unpaid customer orders. Restocking inventory needs and paying immediate business requirements has never been easier.
Fair, Transparent Rates
Fair and transparent rates designed for SMEs. No hidden fees.
Fast approval
Get a decision in 3 days. Funds right after.
No hard collateral required
No cars or land required. Your receivables are enough.
What is PayNow Receivables Financing?
PayNow is a short-term bridge loan. PayNow converts what your clients owe you into funds you can use
today — with minimal paperwork, fast approval, and direct disbursement to your account.
Minimum loan amount
150,000
Maximum loan amount
400,000
Loan repayment term
Up to 4 months
Interest rates
Starts from 1.75% to 3.5% per month*;
Interest is computed on a straight-line basis (not compounding),
so you know exactly how much you pay upfront.
Maximize PayNow: How SMEs Use It Every Day
Restock Inventory
Don’t miss sales during peak season.
Pay Suppliers Early
Grab bulk discounts and protect your margins..
Project Mobilization
Buy materials upfront, bill faster, finish faster.
Seasonal Stocking
Capture holiday and back-to-school opportunities.
Fees and Charges
Everything is explained upfront
Service Fees
Fee we charge to deliver quality service
and process your loan quickly.
2% of the total loan
Credit Life Insurance
Paid to our partner insurers to cover risks such
as death or disability during the loan term.
13 pesos for every 1,000 if you are
below 60 years old
Documentary Stamp Tax
A mandatory tax required by the BIR on all
loan transactions.
The loan principal amount multiplied by 1.5%
Notarial Fees
Paid to our accredited lawyers to notarize your
loan documents.
PhP 500 per document
These fees are all deducted from your loan proceeds.
Other Fees and Charges
Applies only during special circumstances.
Late Payment Fee
Applied only if amortization is not paid on time.
3% per month of delay
Returned Check Fee
Charged if a post-dated check (PDC) bounces
or is dishonored by the bank.
₱1,250 per bounced check, plus penalties if the
loan remains unpaid
Pre-termination Fee
If the borrower chooses to settle the loan
earlier than agreed.
₱5,000 or 5% of the remaining principal, whichever is higher
Restructuring Fee
We understand that circumstances can change. If you have difficulty meeting your current repayment schedule, you may request a loan restructuring.
A one-time administrative fee of ₱3,500 applies per restructuring.
Legal & Collection Fees
20% of the amount claimed as attorney fees
Sample Repayment Table
Before applying for PayNow Receivables Finance, you can estimate your monthly
repayments using our Repayment Calculator.
How much will your loan cost?
Php 150,000.00
| Loan Term | Monthly Installment | Average EIR |
|---|---|---|
| 1 month | 154,125.00 | 8.13% |
| 2 months | 79,125.00 | 10.88% |
| 3 months | 54,125.00 | 13.63% |
| 4 months | 41,625.00 | 16.38% |
Php 300,000.00
| Loan Term | Monthly Installment | Average EIR |
|---|---|---|
| 1 month | 308,250.00 | 7.97% |
| 2 months | 158,250.00 | 10.72% |
| 3 months | 108,250.00 | 13.47% |
| 4 months | 83,250.00 | 16.22% |
Php 400,000.00
| Loan Term | Monthly Installment | Average EIR |
|---|---|---|
| 1 month | 411,000.00 | 7.93% |
| 2 months | 211,000.00 | 10.68% |
| 3 months | 144,333.33 | 13.43% |
| 4 months | 111,000.00 | 16.18% |
Apply for PayNow and Finance My Invoice Now
Step 1
Fill in the pre-qualifying forms below
Step 2
A Business Loan specialist will be in touch to help process your application
Step 3
Wait for approval and claim your loan