Find business loans
for growth
One application puts your business in front of the largest network of financial institutions, all competing to fund it. Compare real offers by size, tenor, speed, and rate, and choose the one that fits.
All lending products are provided by third-party SEC-licensed and BSP-regulated financial institutions.
How it works
Your Buhay Application is a Winning Hand
Apply once instead of chasing banks one by one. Lenders compete for your business, so you walk away with the lowest rate.
Commercial Bank A
₱10M
24 mo
Digital Lender B
₱5M
9 mo
Universal Bank C
₱12M
36 mo
Rural Bank D
₱6M
18 mo
Financing Co. E
₱8M
12 mo
01 · Apply
Submit your documents once on Buhay, and we take it to our entire network of lenders.
02 · Compete
Your profile reaches every panel lender at once. They compete to give you the best terms.
03 · Choose
Compare size, tenor, speed, and rate side by side. You keep the best.
Illustrative example. All loan applications are subject to the credit assessment and approval process of our financial institution partners.
Our lender network
We Don't Just Submit Documents. We Set You Up for Success.
Anyone can forward your application. We package your business the way lenders actually evaluate it, then take it straight to the people who approve. You get prioritized, not queued.
Our products
Two ways to borrow
A competitive loan with no collateral, or an even cheaper one if you put some up. Either way, Buhay works with you to maximize your options and land the best terms you qualify for.
Unsecured
Competitive rates, no collateral
Fast funding for inventory, payroll, purchase orders, and short-term gaps. Lighter requirements and quicker decisions, for when speed matters most.
- No collateral required
- Lighter documents, faster approvals
- Best for short-term, fast-moving needs
Secured
Cheaper rates, with collateral
Use business property, equipment, or real estate as collateral to unlock the lowest rates and the largest loan amounts, typically 60 to 80% of your unencumbered property value.
- Best for expansion, big-ticket purchases, or refinancing expensive debt
- Lower rates and longer tenors than unsecured
- You keep full operational control of your assets the whole time
Safety & trust
Working with us is safe
Buhay is built around regulated institutions and your privacy — so the only thing you're deciding is which offer to take.
Regulated partners only
Every lender on our panel is SEC-licensed and BSP-regulated. No informal lenders, ever.
Your data stays private
Your documents are encrypted and handled under the Data Privacy Act of 2012 — shared only with the lenders you choose.
No pressure, no lock-in
Comparing offers is free. You're under no obligation until you sign the one that fits.
The growth loop
From millions to billions
Buhay is built as a partner for you and your business, not just one loan. We stay for every turn of the loop: borrow, grow, refinance cheaper, repeat.
Step 1
Start your loan with Buhay
One application reaches every lender on our panel. You take the best offer and put the capital to work.
Secured capital across several lenders in months — in time for peak fishing season.
Step 2
Grow on the new capacity
The added working capital — and the savings from a lower rate — fund bigger orders, more inventory, and higher revenue.
Working capital cleared a supply backlog and turned it into the company's biggest year yet.
Step 3
Refinance to a cheaper loan
A larger business with a track record is a safer bet. We take your stronger numbers back to the panel and move you to lower-cost terms.
A ₱10M term loan at a lower rate helped the brand become a category leader.
Step 4
LoopRepeat until you're a billion-peso company
Each turn unlocks larger amounts at better rates. Run the loop again — and again — and the climb compounds.
₱10M filled purchase orders on time; a larger second round funded 30% growth the next year.
Buhay is a technology service provider and does not provide credit or financing. Examples reflect individual client outcomes and are not a guarantee of results.
Ready to Get Started?
We stand ready to match your business needs with the right lender partners. Simply fill out the form below; you'll hear from us within 24 business hours.
Your information is confidential. We'll connect you to lenders best suited to your profile.
Buhay is not engaged in lending or financing activities. Buhay is a technology service provider that provides information services to users and financial institutions and is not itself a financial institution.
Any type of financing is subject to risk. Evaluate potential fees, interest obligations, collateral requirements, and the possibility that applications may be declined or credit limits reduced before committing to any offer.