Because every individual and every business is different, we’ve created loans and financing products and services that put you first.


Because every individual and every business is different, we’ve created loans and financing products and services that put you first.

With you in mind, our various loans and financing products are geared towards leading you to success and financial growth.

Our Financing Products and Services

ULoan Business

ULoan Business

Grow your business with our business loans ranging from 100K to 10M or more.

ULoan Personal

ULoan Personal

Achieve your short and long term goals with our fast and hassle-free personal loans.

Loan Agents Program

Loan Agents Program

Earn commissions when you help an entrepreneur grow their business.

Referral Program

Referral Program

Refer someone for a business loan and get a 1% referral fee.

Unicapital Finance and Investments, Inc.

Our company is dedicated to providing loans and financing that are specifically tailored to meet the needs of the SME and retail market. To achieve this goal, we have created ULoan, which is our official credit facility that caters to both our retail and corporate clients.

We understand that every client has unique financial needs, and this is  why we offer customized solutions that range from business loans to personal loans. Our ULoan facility is designed to provide our clients with a hassle-free application process, flexible repayment terms, and competitive interest rates.

Whether you’re a small business owner looking to grow your business or an individual looking for financial assistance, our ULoan facility has got you covered. Committed to our partners, shareholders, and the community we serve to grow, our core product lines and inspired services have the leverage you need to step ahead.

You’ll be one step closer to the goals you’ve laid out for yourself and your business.

Hear What Our Clients Have to Say


Keengs 8 Infinity Trading Corp. | Client Since 2023

“ULoan by Unicapital Finance is a big help to small business owners like me. They kept my business rolling during the time that we needed funds for our business.”


CJT Autoplus Motorworks and Auto Supply | Client since 2022

“I appreciate the effort and time they took to really understand our needs and the wide range of financial options they offer to our company. I look forward to a strong and long-term partnership.


Asia Clean Maintenance Manpower & Allied Services Corp. | Client since 2019

“Unicapital is very approachable. Questions are always addressed and services are very personalized. Additionally, The application process is very easy and their staff are super friendly and courteous.”

Frequently Asked Questions

To apply, you can:

  • Submit an application online by filling out this form.
  • Call our office directly through our landline: (632) 8892-0991
  • Visit our office located at 3/F Majalco Building, Benavidez cor. Trasierra St., Makati City, Philippines to submit your complete application forms and documents.

The documentary requirements depend on the type of loan you are applying for. To see the complete list of requirements, please see our FAQs Page.

Normally, our application processing time takes 7 business days. It will vary depending on the type of loan and how complete and correct the application forms and supporting documents you have provided.

Our interest rate will depend on the loan type and your credit evaluation results. We highly recommend you allow us to assess your business and personal finances first to determine this.

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