Empowering businesses • Simplifying finance
Fast & Reliable Business Loans in the Philippines
Stronger growth powered by the right partner in Business Financing
Zenith Capital makes business loans in the Philippines simple. With the right partner, growth and expansion are just a few steps away. Get access up to ₱100 Million and upgrade your business today!
What Makes Zenith Capital Different
We are one of the top business loan lenders for SMEs and enterprises in the Philippines, offering faster access, higher limits, and repayment options built around your business. We built our process around speed, access, and clarity — three things traditional business financing rarely delivers together.
Up to ₱100M
No Collateral Options
Transparent Pricing
At Zenith Capital, we bring a new perspective to business lending. We provide quick and hassle-free solutions so you can seize opportunities right away, offering access up to ₱100M to drive your growth —making capital more accessible. With our transparent pricing, you always know exactly what you're getting: no hidden charges, no surprises.
Our Business Loan Products
Two business financing options designed to support businesses at every stage, from small businesses to growing corporations.
Ka‑aZENso SME Quick Loan
Ka-Azenso SME Quick Loan is designed with SMEs in mind, delivering fast, dependable financing that adapts to your needs—so you can focus on seizing opportunities, covering urgent needs, and accelerating growth.
It's built for sari-sari store owners, retailers, service providers, and small operators who need quick access to capital without the paperwork burden traditional banks require.
Apply now →
ZenPlus Corporate Fund
ZenPlus Corporate Fund is designed for medium and large enterprises, providing flexible financing with fast approvals, transparent terms, and no hidden charges—empowering your business to expand operations, strengthen cash flow, and achieve long-term growth.
This is the product of choice for established businesses looking to fund expansion, equipment upgrades, or larger working capital cycles.
Apply now →Business Loan Calculator
Estimate your monthly cost before you apply. Adjust the sliders to match your ideal loan amount and term.
Loan Controls
Standard amortization
Results
Ka-Azenso
How to Apply for a Business Loan
Four simple steps from application to fund release. Most applicants are done in a few business days.
Assessment
Offer
Release
Business Loan Requirements
Simple requirements, guided by experts. Here's exactly what to prepare before you apply.
DTI/SEC Registration
Valid IDs
Bank Statements
Application Form
Why Choose Zenith Capital
When Filipino business owners search for business loans in the Philippines, they're usually choosing between two frustrating extremes: slow, document-heavy bank financing, or fast but unreliable informal lenders. Zenith Capital was built to sit in the middle. We're a business loan lender with bank-level reliability and fintech-level speed.
We work directly with SMEs, franchise owners, and growing corporations who need business financing that actually matches how their cash flow works, not a rigid product designed around the lender's convenience.
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Higher limits than most local banks
for unsecured SME lending, up to ₱20M without collateral. -
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Same-week releases
instead of the weeks-to-months timelines common with traditional business lending. -
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Nationwide coverage
, with over 5,000 affiliated agents supporting applicants across the Philippines. -
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Regulatory-backed trust
— registered with the SEC and recognized by industry bodies.
| Feature | Zenith Capital | Local Banks |
|---|---|---|
| Max Financing | Up to ₱100M for SMEs | Typically, ₱20–30M for SMEs, with smaller unsecured options (₱3–5M) |
| Speed | Fast processing — get results in as early as 2 days, with same-day disbursement for approved loans. | Processing and approval can take weeks to as long as 6-8 months, depending on requirements and internal reviews |
| Collateral | No collateral required | Collateral often needed; unsecured options may have lower limits |
| Repayment | Short amortized terms — ideal for quicker renewal opportunities | Longer fixed terms — renewals take more time, typically following the bank's standard terms and conditions |
| Documentation | Only 4 initial documents required to start the process | More extensive requirements, often with multiple supporting documents in accordance with the bank's policies |
ZCap Partners: real growth, real stories
Frequently asked questions
What is the maximum business loan I can apply for
You can apply for a non-collateral loan from ₱500,000 up to ₱20,000,000, or a collateral loan of up to ₱100,000,000.
What interest rate do you offer?
Our interest rates vary depending on the loan type and your business qualifications. For non-collateral loans, rates start at 3.5%, while collateral loans start at 2.5%. Final rates will be confirmed after reviewing your application.
What are your loan terms?
Our loan terms are amortized, with a minimum of 3 months and a maximum of 6 months, depending on the loan type and your business needs.
What are the fees I should expect?
You will be charged a one-time 5% processing fee, which is deducted from your loan proceeds and covers government-related taxes. There are no hidden fees.
How are payments made?
We require clients to issue Post Dated Checks (PDC's). The payment amortization should reflect the principal monthly payment plus interest.
How long is the loan application process?
Loan applications are processed within 2 to 5 business days.
What are the loan requirements?
Here are our initial loan documents to start the process:
Valid Government-issued ID
DTI/SEC Registration with Articles of Incorporation (AOI)
Mayor's Permit
Latest 3 months' bank statements
Accomplished Application form
Our Affiliates
