Reviews
Business Loans Updated: 14. 04. 2026

RFC Business Loan – review 2026

4,0 / 5

Ranggo Financing Corporation (RFC) is a SEC-registered lending company focused on SME and micro-enterprise financing, offering business loans from PHP 50,000 to PHP 5,000,000 with monthly rates of 2.50% to 4.00% and faster approval timelines than commercial banks. The institution caters to businesses that cannot meet traditional bank documentation requirements, accepting alternative income evidence such as bank statements, business permits and inventory documentation. RFC provides secured and unsecured facilities depending on loan size.

Pros

  • Faster processing 3-7 banking days vs banks
  • Accepts alternative income documentation
  • Accessible to businesses under 2 years old
  • Loans from PHP 50,000 suitable for micro-enterprises
  • Flexible collateral requirements

Cons

  • Monthly rates 2.50%-4.00% higher than bank annual rates
  • Maximum PHP 5,000,000 lower than major bank programs
  • Higher effective cost for longer-term financing
  • SEC-registered but not BSP-supervised commercial bank
  • Smaller institutional base than major banks

Requirements

  • SEC or DTI-registered Philippine business
  • Minimum 1 year of business operations
  • Business permit and BIR registration documents
  • Bank statements for the past 6-12 months
  • Valid ID of business owner

Company information

Name
Ranggo Financing Corporation (RFC)
Address
Ortigas Center, Pasig City, Metro Manila, Philippines
Web

Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.