Goldwater Capital

BizLine Business Credit Line

Flexible credit your business can draw, repay, and reuse for payroll, business expansion and equipment upgrades.

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 BizLine Credit Line?

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

250,000

Maximum loan amount

2,000,000

Loan repayment term

Up to 6, 12, 18, 24 months

Interest rates

Starts from 1.75% to 3.5% per month

Maximize BizLine: How SMEs Use It Every Day

Expand Branches

Open new locations faster to grow your business stronger.

Upgrade Equipment

Invest in new tools and technology to boost productivity.

Manage Payroll

Cover seasonal payroll spikes and 13th-month obligations with ease.

Service More Customers

Take on larger orders or additional contracts with confidence, knowing you can deliver on time.

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 BizLine, you can estimate your monthly repayments using our Repayment Calculator.

How much will your loan cost?

Loan TermMonthly InstallmentAverage EIR
6 month48,541.6721.75%
12 months27,708.3338.25%
18 months20,763.8954.75%
24 months17,291.6771.25%
Loan TermMonthly InstallmentAverage EIR
6 month97,083.3321.65%
12 months55,416.6738.15%
18 months41,527.7854.65%
24 months34,583.3371.15%
Loan TermMonthly InstallmentAverage EIR
6 month145,625.0021.62%
12 months83,125.0038.12%
18 months62,291.6754.62%
24 months51,875.0071.12%
Loan TermMonthly InstallmentAverage EIR
6 month194,166.6721.60%
12 months110,833.3338.10%
18 months83,055.5654.60%
24 months69,166.6771.10%
Loan TermMonthly InstallmentAverage EIR
6 month291,250.0021.58%
12 months166,250.0038.08%
18 months124,583.3354.58%
24 months103,750.0071.08%
Loan TermMonthly InstallmentAverage EIR
6 month388,333.3321.58%
12 months221,666.6738.08%
18 months166,111.1154.58%
24 months138,333.3371.08%

Apply for BizLine 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

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