There's capital for BPOs filling working-capital gaps.Buhay puts you in front of it.
Capital that moves as fast as you do
Growth in outsourcing arrives in bursts — a new account signed, a night shift to stand up, tooling you need in place before the next bid. Each one costs money before it earns a peso, and a missed window can hand the work to a competitor who moved first. Buhay lines up the capital for the moments that can't wait.
Flip each card to see how the capital shows up.
Bridge the gap between billing and payroll
Bridge the gap between billing and payroll
Clients pay on net-60; salaries fall due twice a month. Draw down to cover payroll and rent until the invoice clears, then repay when your client actually pays.
Bridge financingUnlock new capacity to win contracts
Unlock new capacity to win contracts
Fund the sites, seats, and shifts a new account needs — take on bigger contracts and stand up the capacity to deliver in weeks, not quarters.
Explore expansionUpskill and upgrade your workforce
Upskill and upgrade your workforce
Finance AI training, certifications, and tooling so your people — and your bids — stay ahead of what clients ask for next.
Explore upskillingWin new contracts
Win the contract — then build the capacity to deliver it.
A new account means seats, sites, and shifts standing by before the first invoice clears. Self-funded, that's one site a year and the contracts you have to turn down. With capital ready, you say yes — and stand up the floor in weeks, not quarters.
Bridge billing & payroll
Payroll runs on the fifteenth and the thirtieth. The invoice clears in ninety days.
Enterprise clients set the terms — net-30, net-60, often net-90 — and they don't bend them for a vendor. The floor doesn't wait for them. Agents get paid, rent falls due, bandwidth bills arrive, and every peso of it leaves before a single one comes back. Draw down the moment a contract starts and repay on the schedule your client actually pays to — not before it.
What one month looks like
Every day in red is yours to carry. Payroll still runs on the 15th and the 30th — the invoice clears around day 90.
- 1
Costs start
Rent, connectivity, and fit-out begin the day the contract does.
- 15
Payroll
Agents get paid. No client money has arrived.
- 30
Payroll
Second run of the month, still funded out of your own pocket.
- ~90
Invoice clears
The client finally pays — three months of costs later.
Upskill & upgrade
When a future-ready workforce is your call, count on the capital to back it.
- 01
Reskill
Upskilling your workforce requires significant investment. Buhay provides the capital to ensure funding is never the reason your people stop growing.
- 02
Retrain
The roles of tomorrow require new skills today. Buhay helps you access financing for AI training, certifications, and reskilling initiatives that prepare your workforce for the future.
- 03
Retain
As your business evolves, your people shouldn't be left behind. Buhay helps you secure financing to retain top talent while investing in the skills they'll need for the future.
How it works
One file. Every lender that funds BPOs.
Most operators pitch lenders one at a time — reformatting the same numbers for each and waiting weeks for a maybe. We package your file once, the way each lender reads recurring revenue, and put it in front of all of them at once, so they compete for your business instead of the other way around. From first look to funded, in three steps:
Assess
Tell us your contracts, headcount plan, and what you're funding. We size the capital and rate range you can realistically reach.
Match
Your file goes to the lenders who fund BPOs, packaged the way each one evaluates recurring revenue, so they compete for you.
Fund
Compare offers side by side and draw down when you need it — ahead of the ramp, not behind it.
We know how BPOs actually run — and how to fund what comes next.
Ramp cycles, 60-day billing terms, RFP timelines, client fiscal years — we live in the details that decide a BPO's cash flow. That fluency is what makes us a partner worth having when it's time to raise capital: we translate how your business runs into terms lenders understand, put you in front of the ones who actually fund outsourcing, and help you navigate a loan landscape most operators find opaque. A few of the guides we've written for operators like you:
The Philippine BPO Capital Calendar
Why your client's fiscal year — US, UK, or Australia — decides when you need working capital, mapped across all 12 months.
Read the guideSME Fundraising GuideThe Philippine SME Capital Calendar
The two predictable cash-pressure points in the Philippine business year — and how the best operators fund months ahead of them.
Read the guidePut capital in front of your next move.
Tell us about your contracts and what you're funding. We'll take your file to the lenders who fund BPOs — you'll hear from us within 24 business hours.
Your information is confidential. We'll connect you to lenders best suited to your profile.