Flordeliza F. Cruz
Chairwoman
Flor brings decades of leadership experience in banking and finance, driven by her commitment to empowering SMEs. As a former bank president, she witnessed the challenges small and medium enterprises face in accessing capital, despite their critical role in the economy. Recognizing that SMEs make up 99.6% of all businesses but only account for 4% of total bank loan portfolios, she founded Zenith Capital with the vision of bridging this gap and supporting SME growth through accessible and innovative financial solutions.
