Business Loan Products
We are proud to be serving the life blood of the economy, the small and medium enterprises by providing the capital you need to keep business moving and thriving.
Find a business loan for you and then get pre-qualified
Our loans are designed specifically for your needs and goals in mind
PayNow
Get immediate cash for your unpaid customer orders
Bizline
Get a credit line
for your business
Best For:
Restocking inventory needs and paying immediate business requirements
Best for business expansion such as opening a new branch or servicing a new contract
Term
Maximum of 4 months
Flexible repayments up to 24 months
Interest Rates
Starts from as low as 1.75% per month to 3.5% subject to internal assessment
Loanable Amount
PhP 150K and up
PhP 500K up to PhP 2M
Finding the right product
Unsure of what product you need? Here are some ways our clients maximize their business loans with us.
A client issued me a post-dated check, but I need cash now.
You already earned the money, but timing of when the payment will come is the problem. Since repayment will come once the check clears, PayNow is the perfect product for you.
A client requires 90-day payment terms, but I need cash now.
The sale is locked in, you’re just waiting. That makes PayNow perfect because repayment matches the client’s eventual payment.
I need to restock my items to benefit from the holiday rush.
The inventory will be sold quickly during the season, so funds come back fast. It is a short-term cycle tied to sales, not a loan you need for years. PayNow is perfect for this.
The downpayment my client gave isn’t enough to start the project.
Projects release billing in stages. PayNow covers the gap only until the first progress payment. A bridge tied to reaching your first payment milestone with your client.
I’m struggling to give my employees their 13th-month pay.
This is an annual or recurring need, not tied to one receivable. You need a facility you can tap each year. BizLine is a longer-term revolving line that is perfect for this situation.
My client owes me ₱300K but will only pay after 60 days. I need cash now.
Your receivables are guaranteed; you’re only covering the gap until it comes in. PayNow is perfect for this scenario.
I won a new construction project. However, if I buy and stock up on materials, I will make more money. The down payment isn’t enough to cover both labor and materials.
Cash is needed upfront, but billing is scheduled. PayNow fits because repayment is tied to the cash that will come in from the progress billing of your project.
Payroll is due in 3 days, but sales collections will only come in next week.
Payroll pressures repeat. A BizLine credit line is better than reapplying for every crunch longer-term standby capital.
I want to buy new equipment worth ₱1.2M but don’t want to pay in full upfront.
Equipment pays for itself over years as it is an asset that produces revenue. A BizLine credit line allows you to match equipment repayment to the sales your business earns.
My supplier is giving a 15% discount if I order and import a half a year’s worth of materials now. It also helps me lessen my importation costs.
Materials and inventory last months, not days. Spreading cost over time with BizLine ensures repayment aligns with new sales.
I’m opening a new branch and need funds for renovation and initial inventory.
Expansion return on investment takes time. BizLine is better because it spreads costs over 12–24 months, a new branch is a strategic, long-term investment.
I want to launch a new product line and need a marketing budget.
Marketing takes quarters to pay off. A BizLine revolving line gives you a longer runway to fund and recoup from new sales.
3 easy steps to request a
financing consultation
Send us your contact details and financing interest.
A Goldwater financing officer will contact you to discuss possible next steps.
If appropriate, you may be invited to submit a separate formal application for review.
Frequently Asked Questions
01. What are the key conditions for applying for a business loan?
To qualify, your business must be duly registered (DTI for sole proprietors, SEC for partnerships/corporations) and operational for at least one year. You’ll also need an active checking account and proof of financial capacity.
02. How much can I borrow?
For PayNow, loan amounts range from ₱150,000 to ₱400,000 (up to 60% of unpaid invoices). For BizLine, credit limits can go up to ₱2,000,000 on your first loan depending on your cash flow and repayment capacity.
03. How long are the loan terms?
PayNow loans are short-term, up to 4 months. BizLine loans are more flexible, with repayment terms from 4 up to 24 months.
04. Do I need collateral?
Our business loans require only a Deed of Security and post-dated checks. We don’t ask for property mortgages or heavy collateral like banks typically do.
05. How much is the interest rate?
Interest rates start as low as 1.75% per month, depending on your business risk profile. A 2% service fee applies to each loan disbursed. Interest applied is straight-line through the period of the full loan.
06. How soon can I get the funds?
Once you’ve submitted complete requirements, loan approval and release typically take 3 to 5 business days. Funds are transferred directly to your bank account.
07. What documents are required?
We only ask for four main sets:
– Application Form & Authorizations
– Proof of Business Registration & Licenses
– Proof of Identity of borrowers/co-borrowers
– Proof of Financial Capacity & Business Transactions
08. Can I apply if my business is less than 1 year old?
No. PayNow and BizLine are designed for SMEs with at least one year of profitable operations. It is not a startup loan.
09. What’s the difference between PayNow and BizLine?
PayNow is best for short-term working capital (restocking, mobilization, urgent supplier payments) with a fixed loan amount and term. BizLine is a revolving credit line for bigger, recurring needs like branch expansion, equipment upgrades, and payroll support.
10. How do I pay for amortization?
Amortization is paid monthly through post-dated checks issued at the start of the loan. Interest is straight-line through the period of the full loan.
11. Can I pay off my loan early?
Yes, but pre-termination fees apply (₱5,000 or 5% of the outstanding principal, whichever is higher).
PayNow FAQs
1. What is PayNow?
PayNow converts unpaid client invoices into immediate cash. It’s a short-term bridge loan (up to 4 months) designed to unlock 60% of your receivables.
2. Who is PayNow for?
SMEs with active client receivables, especially in trading, distribution, and project contracting.
3. How can I use PayNow?
Typical uses: restocking inventory, paying suppliers early, mobilizing projects, seasonal stocking, and covering urgent business expenses.
BizLine FAQs
1. What is BizLine?
BizLine is a revolving credit line that lets SMEs borrow up to ₱2,000,000. You can draw, repay, and reuse the limit for expansion, payroll, or growth projects.
2. How is BizLine different from PayNow?
PayNow is a short-term bridge loan (3–4 months). BizLine is a longer-term revolving credit (up to 24 months).
3. What can I use BizLine for?
Opening branches, upgrading equipment, funding payroll or 13th-month pay, and launching marketing campaigns.