Loan ₱20,000 to ₱300,000
No prepayment penalty fees
Permanent interest rates that will never change
A term of 3-12 months with fixed payments
Easy and affordable Business Loan available
Joan signed a unsecured business loans to add more products and inventory during the peak season of customers
Why get a business loan?
Start building your future today
Invest in new equipment
Purchase new equipment to improve the performance of the company.
Smooth cash flow or cover payroll
With extra funds in your account, you do not have to think about payables and upcoming payroll payments.
Hire more staff
A company cannot run without its people. Invest in your most valuable resource - your employees.
Grow the business
An expanding business is a growing business. Give it a try.
The benefits of a Business Loan
Easy Repayment
You will repay your loan monthly by funding your checking account.
Transparent Terms
Vidalia Lending offers business loans with simple payments and no prepayment penalties. You can review your payment schedule before taking a loan to avoid surprises.
Simple Process
You just have to apply online and provide the required documents asked. A phone interview will be done to assess your application then you’re good to go.
Convenient Access
Apply online or contact us by email, SMS, or FB. or ask one of our field representatives for a personal consultation.
Trusted by Thousands
We have been serving Vidalia customers since October 2008 and have collaborated with businesses across various industries for years.
Personal Service
Our in-house team of experts is available to assist with everything from applying to managing your account and maximizing your capital.
You focus on the business. We focus on the funding
A suitable credit for your business
No obligation
It's free to apply, and there's no cost until you sign the loan documents.
Get cash up to ₱300,000
Get the security of working capital that's ready when you are.
Convenient access
Apply online, get approved, and let us deposit to your bank account without going to our office.
Funds when you need them
Take the money you need now and rest easy knowing your fund will be there when needed.
How it Works
APPLY ONLINE
Download our mobile app or sign in to our website to register and fill in all the necessary information.
CREDIT ASSESSMENT
We validate your information, conduct a phone interview, and handle document submission via online channels.
GET YOUR MONEY
Get your loan check at our office from Monday to Friday.
MAKE REPAYMENT
Make sure to fund your issued post-dated checks before the due date.
Loan Features
| Loan Amount | ₱20,000 - ₱300,000 |
| Payment Terms | 3 to 12 months |
| Interest Rate | 5% per month |
| Processing Fee | 5% of Loan Amount |
| Maximum Annual Percentage Rate (APR) | 68.00% |
| Payment Option | Post dated check (PDC) |
Eligibility
- Filipino, 21 - 59 years old
- With minimum Net Monthly Income of ₱20,000.00
- Business must be 2 year in existence or 1 year practicing, if professional
Requirements
- Two(2) valid IDs (Company ID, Passport, Driver's License, SSS/GSIS)
- Proof of Billing (electricity, water, landline)
- Photocopy of Latest Business/Mayor's Permit
- Photocopy of Latest three (3) Months Bank Statement (under Business and/or Personal Account)
FAQS
You have questions. We have answers.
How will I get the money?
How do I pay?
How do you determine the amount of cash I can get?