• 3-Months Bank Statement: We need to see how your business checking account has been doing lately, usually covering the last three months.
• Certified copy: In most cases, we need a certified copy of your statement from your bank, which just means it’s been officially verified.
• Sample Check: We might ask for a voided or sample check from your business checking account. This helps us confirm your account details and makes setting up things like payments or reimbursements easier.

We require these documents to confirm that your business is legitimate and operating legally in the Philippines. This is a crucial step in processing your application. Here’s what we need:

• Mayor’s Permit: Issued by your local government, this confirms your business is allowed to operate in your city or municipality.
• DTI Registration (for sole proprietorships): This verifies your business is officially registered with the Department of Trade and Industry, giving it a legal identity.
• SEC Registration (for partnerships and corporations): This confirms your business is legally registered with the Securities and Exchange Commission.
• BIR Registration: This shows us that your business is registered with the Bureau of Internal Revenue and has a Tax Identification Number (TIN), essential for tax compliance.

We ask for copies of your recent phone, electric, water, and internet bills to confirm a few important things:

• Proof of Address: Utility bills clearly show your business address, helping us verify the information you’ve provided in your application.
• Business Activity: Regular utility usage indicates that your business is active and operating at the address you’ve given us.
• Financial Responsibility: Consistent payment of your utility bills demonstrates your ability to manage your finances and meet your obligations. This helps us assess your overall financial stability.

Important Notes:

• Bills under Business Name: Whenever possible, please provide bills that are registered under your business name. This helps us directly link the utility usage to your business operations.
• Borrower Name: If your bills are under your personal name (as the borrower), that’s usually acceptable too, as long as the address matches the one associated with your business.
• Recent Bills: We typically ask for bills that are no more than three months old to ensure the information is up-to-date.

Why We Need Photos of Your Business or Stock?

We ask for photos of your actual business or stock for a few important reasons:

• Verification: Photos help us verify that your business is real and operating at the address you’ve provided. It gives us visual confirmation of your business activities.
• Understanding Your Business: Pictures help us understand the nature of your business, the products you sell, or the services you offer. This gives us a better overall picture of your operations.
• Inventory Assessment (if applicable): For businesses that rely on inventory, photos of your stock help us assess the value and scale of your operations. This can be important for certain types of applications.

What kind of photos should you provide?

• Business Premises: Photos of your storefront, office space, or any other physical location where your business operates.
• Interior and Exterior: Include both interior and exterior shots to give a comprehensive view.
• Products or Services: If you sell products, include photos of your inventory or displays. If you offer services, provide images that showcase your work or service environment.
• Signage: Clear photos of your business signage can help with verification.

A basic map showing the location of your office and how to get there.

Here’s what it might include:

• Landmarks: Include major roads, intersections, or landmarks that help pinpoint the location of your office.
• Directions: You could even draw arrows or write brief directions (e.g., “Turn left at the corner of Main Street and First Avenue”).
• Transportation Method: Indicate your usual mode of transportation (e.g., car, public transport, walking) and highlight the route you typically take.

Why this could be useful:

• Confirms accessibility: It shows that your office is accessible and that you have a clear understanding of how to get there.
• Provides context: It gives us a better understanding of your commute and the surrounding area.
• Verifies address: It helps confirm the accuracy of the office address you provided.

Why We Need Your Financial Documents (ITR, FS & Company Profile)?

These documents provide a comprehensive overview of your business’s financial history and current standing. They are essential for us to assess your financial stability and determine your eligibility for our services.

Here’s a breakdown of what we need:

• 2 Years ITR (Income Tax Return): These tax documents show your business’s income and expenses over the past two years. They help us understand your profitability and tax compliance.
• FS (Financial Statements): These statements (Balance Sheet, Income Statement, and Cash Flow Statement) provide a detailed picture of your business’s assets, liabilities, and overall financial performance.
• Company Profile: This document gives us an overview of your business, including its history, mission, products or services, and organizational structure.

By providing these financial documents, you’re giving us a transparent view of your business’s financial health, which is crucial for us to make informed decisions regarding your application.

• 2×2 Pictures
• 2 Valid IDs

What kind of IDs are acceptable?

We generally accept government-issued IDs such as:

• Passport
• Driver’s License
• National ID (PhilSys ID)
• Voter’s ID
• PRC ID (Professional Regulation Commission ID)
• UMID (Unified Multi-Purpose ID)