The Emerging FILIPINA Lending Program (Landbank Emerging FILIPINA Lending Program (Female-Initiated Livelihood and Investment Projects via INclusive Financing to Accelerate Entrepreneurial Growth) is a specialized financing initiative offered by the Landbank of the Philippines (Landbank). It was specially designed to support women-owned or women-led enterprises in the Philippines.
Launched to strengthen female participation in business, the program offers both credit assistance and access to capacity-building training in partnership with agencies like Technical Education and Skills Development Authority (TESDA) and the Department of Trade and Industry (DTI). It targets a wide range of sectors including retail, e-commerce, food services, and agri-business—making it more inclusive than traditional MSME loan programs. What makes it unique is its combined focus on inclusive financing and enterprise development specifically for women, ensuring that access to capital is matched with the skills needed to sustain and grow a business.
Program Overview
The Landbank Emerging FILIPINA Lending Program provides financing support to women-owned or women-led businesses in the form of a loan. Its offers are designed to support various ventures in traditional trading, online selling, food services, and more. Aside from financial support, the program also offers capacity-building training in partnership with Landbank Countryside Development Foundation Inc. (LCDFI), TESDA, and DTI to enhance skills in marketing, operations, finance, IT, and business management.
What the Program Offers
The program comes with benefits such as:
- Access to short-term loans, term loans, and rediscounting/on-lending facilities
- Funding for working capital, facility improvements, confirmed orders, and sub-lending
- Skills training in coordination with TESDA and DTI
Loan Features
In particular, the program offers the following:
- Loanable Amount:
- Up to 80% of the total project cost
- For on-lending: Up to 85% of newly approved sub-loans
- For rediscounting: Up to 85% of outstanding principal of sub-PNs
- Loan Tenor:
- Short-Term: Up to 360 days
- Term Loan: Up to 10 years (with a 1-year grace period on principal repayment)
- For working capital: Up to 5 years
- For fixed assets: Up to 10 years
- For rediscounting: Up to 10 years, based on sub-borrower’s PN maturity
- Interest Rate:
- 5% fixed for the first 3 years, then subject to annual repricing based on BVAL plus credit spread
- Pass-On Rate:
- For small farmers and fishers (SFFs): Max 12% per annum (all charges included)
- For other agricultural purposes: Max 12%
- For non-agricultural purposes: 15% per annum
- Penalties for Defaults:
- 24% per annum
- Cooperatives: 3% per annum starting on the 31st day after due date until payment
- Collateral Options:
- Real Estate Mortgage
- Chattel Mortgage
- Hold-out deposits
- Other acceptable collateral
- Credit Enhancers:
- Assignment of receivables or sub-borrower PNs
- Post-Dated Checks (PDCs)
- Credit Life Insurance
- Insurance/guarantee claims
- Joint and Several Signatures (JSS) of owners/major stockholders
- Mode of Loan Release:
- Lump sum for short-term loans
- Lump sum or staggered for term loans
- Repayment Terms:
- Monthly, quarterly, semi-annual, or annual based on business cash flow
- Short-term loan due on PN maturity
Who Can Apply
The program is available to specific target beneficiaries as described below:
Eligible Borrowers:
The program was designed for the benefit of the following groups:
- Registered Micro, Small, and Medium Enterprises (MSMEs)
- Businesses where women own the majority (at least 50% + 1) or majority of top management are women
Eligibility Criteria:
Before they can apply, they must at least satisfy the following criteria:
- Must meet Landbank’s Risk Asset Acceptance Criteria (RAAC) under Credit Policy Issuance (CPI) No. 2013-002 (or as updated)
Required Documents
To apply, interested parties would need to prepare the following:
General Requirements:
- Completed Loan Application Form (with photos, if applicable)
- Certified true copies of SEC/CDA/DTI registration, Articles of Incorporation/By-Laws
- Board resolution authorizing the loan and naming signatories
- Valid licenses/permits from government agencies
- Audited Financial Statements (last 3 years) and current interim FS
- List of key officers, board members, principal shareholders
- Client Information and Signature Specimen Card
- One valid government-issued ID (e.g., passport, SSS, GSIS, or driver’s license)
- TIN/Updated ITR
Additional Requirements (If Not Yet Submitted):
- For construction or renovations: Building plans, estimates, permits
- For startups: Viable business plan/feasibility study and training certificates
For Rediscounting/On-Lending Applicants
Before Loan Release:
- Letter-request detailing loan amount, number of sub-borrowers, and project names
- Master list of sub-borrowers or PDCs if not yet available
- Custody declaration and notarized undertaking for sub-borrower PNs and collateral
- Signed disclosure statements
- Notarized PNs with asset assignments
- Schedule of notes offered (including face value and balance)
- Certification that the notes: are current, in custody, not assigned elsewhere
After Loan Release:
- Submit loan disbursement schedule within 60 days
- Return any unused funds (with interest) within 91 days
- No further releases until these are complied with
Note: Rediscounting validation will follow CPI 2020-006 and its updates
How to Apply
To apply for the program, these are the steps that you need to follow:
Step 1. Prepare all required documents.
- Make sure your business registration and financial documents are ready
Step 2. Visit your nearest Landbank Lending Center.
- Find a center here: Landbank Lending Centers
Step 3. Submit your application.
- Bring all necessary documents and submit them to Landbank
Step 4. Wait for evaluation.
- Landbank will review your eligibility and assess your documents
Step 5. Receive feedback.
- Once approved, you will be advised about the loan terms and release schedule.⁰
Where to Get the Application Form
You can obtain the Landbank Emerging FILIPINA Lending Program application form by visiting any Landbank Lending Center in person. Once there, the staff there can provide you with the printed application form and assist you with any questions. Once you have the form, be sure to fill it out completely and attach all required supporting documents to streamline your application.
Cost and Processing Timelines
Landbank doesn’t charge a separate application fee specifically for the Emerging FILIPINA Lending Program, but standard processing charges—such as documentation, appraisal, and insurance fees—apply in line with the bank’s normal lending policies. Borrowers may also incur documentary stamp tax or credit life insurance premiums, depending on the nature of the loan. Once you submit a complete application with all required documents, Landbank’s credit evaluation typically takes around 30–45 business days, similar to timelines for its other loan programs. For loans involving rediscounting or on-lending, expect additional processing for sub-borrower verification and compliance checks, which could extend this period slightly. If your application is approved, you’ll receive formal loan terms and a release schedule; from approval to actual disbursement can take another 2–4 weeks depending on documentation and fund availability.
Video: Balitang Landbank Episode on Emerging FILIPINA Lending Program
If you are you a Filipina entrepreneur looking for credit support to start or expand your business, the Emerging FILIPINA Lending Program is specially designed to offer financial assistance, mentorship, and trainings to help women entrepreneurs realize their vision and grow their business such as traditional trade and e-commerce, as well as food service activities, among others. If you are an interested borrower, watch this episode of “Balitang Landbank,” and learn more as Bulacan Lending Center Assistant Vice President and Head Mr. Ranilo B. Jimenez discusses with RMN radio anchor Buddy Oberas the benefits of the Emerging Female-Initiated Livelihood and Investment Projects via INclusive Financing to Accelerate (FILIPINA) Entrepreneurial Growth Lending Program.
Contact Details
For inquiries and other concerns, you may reach out to Landbank via the following:
Program Management Department II
- Office Address: 27th Floor, Landbank Plaza, 1598 M.H. del Pilar cor. Dr. J. Quintos Sts., Malate, Manila
- Phone: (+632) 8405-7640 / (+632) 8405-7198
Customer Care:
- Hotline: (+632) 8405-7000
- Toll-Free: 1-800-10-405-7000 (PLDT only)
- Email: customercare@mail.landbank.com
For more information, you may also visit the official website at: www.landbank.com. You can also check and download the brochure here: Emerging FILIPINA Lending Program Brochure
For updates, it’s best to subscribe to Landbank’s official social media:
- Facebook: @landbankofficial
- Twitter: @LBP_Official