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Commercial Loans Company Investment Opportunity in Makati, Philippines

Invest in a Southeast Asia-based group offering tech-driven financial services to underserved communities.
This Business is on a Premium Plan
Established 5-10 year(s)
Employees 100 - 500
Legal Entity Private Limited Company
Reported Sales USD 4.9 million
Run Rate Sales USD 10.3 million
EBITDA Margin 35 %
Industries Consumer Lending + 1 more
Locations Singapore + 1 more
Local Time 12:37 PM Asia / Manila
Listed By Business Owner / Director
Status Active
Overall Rating
Partial Stake Sale
USD 15.5 million for 70.0% stake (Native Currency: SGD 20,000,000)
Reason: Our minor shareholder and primary funding partner passed away. We're seeking a new partner to contin... View More
Includes physical assets worth USD 1.09 million
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Business Overview
• The company is a leading financial service provider in Southeast Asia, with its operational base in Singapore and four branches in the Philippines, focusing on underserved communities.
• Key financial offerings include a wide range of loans, such as salary loans, SME loans, vehicle loans, and property loans, addressing diverse customer financing needs in both personal and business sectors.
• In addition to traditional lending, the company provides modern digital financial solutions, including e-wallets, micro-investments, and cash advances, leveraging technology for enhanced customer convenience.
• The company’s HRIS SaaS software streamlines HR and payroll functions, offering comprehensive support in payroll processing and time-keeping for businesses.
• Traditional banking services are also part of the portfolio, encompassing deposits, time deposits, and a full range of online banking options, making them a versatile financial institution.
• The company's Knowledge Process Outsourcing (KPO) services differentiate it as a one-stop solution for businesses seeking financial and enterprise support, enhancing operational efficiency for its clients.
• With 108 employees, the company boasts a nine-year profitable track record and is currently in an expansive growth phase, poised for significant acquisitions in the consumer lending and commercial loans market.
• The business is strategically positioned in the highly dynamic and culturally diverse Southeast Asian market, making it well-placed to capitalize on regional growth opportunities, tap into diverse consumer needs, and establish a strong competitive advantage.
Products & Services Overview
The business offers a comprehensive range of top-selling services, including salary, SME, vehicle, and property loans. It also provides digital financial solutions such as e-wallets, micro-investments, and cash advances. In addition, the company delivers HR and payroll services through its HRIS SaaS software, covering payroll processing and time-keeping. Its banking services include deposits, time deposits, online banking, and a full suite of traditional banking offerings. The business also specializes in Knowledge Process Outsourcing (KPO), making it a one-stop solution for financial and enterprise support services.
Assets Overview
Tangible assets: 3 bank branches and numerous property titles in the Philippines.
Intangible assets: IP of its technology platforms.
Facilities Overview
1 rented office in Singapore, 4 branches in the Philippines - 1 in Makati, 3 in Pampanga. Strong online presence via websites and social media.
Capitalization Overview
The business is funded by $11 million of equity by the founder and a minor shareholder, with $18 million of debt.
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16 Investors viewed this Business this week. Register below to connect now!
Disclaimer: SMERGERS is a regulated marketplace for connecting business sell sides with investors, buyers, lenders and advisors. Neither SMERGERS represents nor guarantees that the information mentioned above is complete or correct.
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