Upload your term sheet. We'll beat it.
Most owners accept the first loan offer they get. But a ₱5M loan can cost anywhere from ₱900K to ₱1.8M depending on the lender. That's a gap worth closing.
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Beat your rate
Free, with no commitment until you accept a better offer.
Upload the term sheet or loan offer you've received. Photo, screenshot, or PDF, anything that shows the rate, amount, and terms.
Not all "low rates" are actually low
An add-on rate charges interest on your full ₱5M for all 12 months, even as you pay it down. A diminishing-balance rate charges only on the balance you still owe, so every payment shrinks what you're charged on. Same ₱5M loan, same 12 months:
Total interest over the loan. The diminishing rate carries the highest monthly quote (1.8%/mo) yet costs the least, because add-on keeps charging the full balance while diminishing follows your payments down. We convert every offer to its true total cost before comparing.
Add-on rate
1.5%/mo quoted
₱900K
on the full ₱5M, all year
Add-on rate
2%/mo quoted
₱1.2M
the real trap
Diminishing balance
1.8%/mo quoted
~₱600K
only on what you still owe
How we find you a better deal
We don't just shop your term sheet around. We structure the entire approach so lenders compete for your business.
We decode your current offer
Strip out the marketing. Convert to EIR. Calculate the true total cost including all fees, insurance, and charges buried in the fine print.
We position your business to win
Different lenders value different things. We present your financials in the way each institution wants to see them, maximizing your chances of approval at the best rate.
We create competition
Your current bank knows you have nowhere else to go. When our lender network is bidding, that changes. Competition drives rates down.
We bring you a side-by-side comparison
Within the hour, you'll see exactly how your current offer stacks up, and what alternatives are available. Clear numbers, no jargon.
Your partner from ₱50M to ₱500M to IPO
Buhay connects growing Filipino businesses to our network of financial institutions, and negotiates on your behalf to secure the lowest rate possible. We've facilitated over ₱2 billion in financing, and we're just getting started.
Free · No commitment · We respond in 1 business day
Frequently asked questions
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