01Part 1 · Diagnosis
Why ₱50M businesses get stuck
What 3,000 conversations reveal about the three structural patterns that separate the companies that break through from the ones that stall.
The Growth Guide
Reading for where you are
Field notes from 3,000 conversations with business owners — why companies stall at ₱50M–₱150M, and what it takes to break through.
My business makes a year, based in , operating as .
Every piece in the guide
Browse the full Growth Guide
By Adriel Maniego
02Part 2 · The path
The 12-month path from Tier 1 to Tier 2
The real numbers behind the climb: revenue, DSCR, and the capital it actually takes to reach the next tier inside a year.
03Fundraising guide
The Philippine SME Capital Calendar
BIR in April. 13th-month pay in December. Inventory peaks in Q3. A month-by-month calendar for putting capital in place before the moment it's needed.
04Industry edition · BPO
The Philippine BPO Capital Calendar
Why a BPO's biggest capital need is set by its clients' fiscal years — US drives October, UK January, Australia April. The 12-month financing calendar for BPO operators.
05Lender strategy
NBFI vs. Bank: how to pitch each lender
An NBFI and a bank loan look identical from the outside — they are not. Seven structural differences, and how to pitch the management meeting for each lender type.
06Lender strategy
12 mistakes founders make in lender meetings
Roughly 7 in 10 rejections are preparation failures, not credit failures. The twelve mistakes founders make across preparation, expectation, and positioning — and the fix.
Reading is step one. Funding is step two.
One application puts your business in front of the largest network of financial institutions, all competing to fund the climb.
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