What rates could your business qualify for?
Buhay matches you against our whole lending network at once, so lenders compete for your business, not the other way around.
Free · 2 documents · Results in 1 business day
Check your rate
Free and no obligation, matched against our entire lending network.
Upload your two documents
What happens after you submit
We don't just forward your documents. Our team analyzes your business and positions it to each lender based on what they're looking for, all within one business day.
Document review
Our team reviews your financials and identifies your business strengths.
Lender matching
We match your profile against the institutions in our network based on their current criteria and appetite.
Rate presentation
You receive a call and email with indicative rates, terms, and recommended next steps.
A small rate difference changes everything
Most businesses accept the first rate they're offered. But on a ₱10M facility, even half a percent per month is ₱600,000 a year. That's money that stays in your business, or doesn't.
Your rate depends on how you're presented
The same business can get wildly different rates from different lenders. How your financials are structured and positioned makes the difference.
More lenders means more leverage
When multiple institutions compete for your business, rates come down. Buhay gives you that leverage by matching you across our lending network simultaneously.
Timing matters
Lender appetite shifts quarterly. A bank that was conservative last month might be aggressively lending this month. We track these windows so you don't have to.
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:
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. When we bring you indicative rates, we show the true total cost, not just the headline monthly quote.
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
We take businesses from ₱50M to ₱500M to IPO
Buhay is more than a technology platform, we're a growth partner. We connect you to multiple financial institutions, negotiate on your behalf, and secure the lowest rate possible so your capital works harder.
Full
lending network
₱2B+
financing facilitated
1 day
average response time
Free · No commitment · Results in 1 business day
Frequently asked questions
About rate checks and Buhay financing