Built for Philippine lending companies, microfinance NGOs and cooperatives: peso books, GCash and Maya repayments posted against the loan, and the collections conduct record the SEC expects a registered lender to keep.
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Built for Lenders in Philippines
Lendbox gives a lending company, microfinance NGO or cooperative in the Philippines one peso loan ledger with accounting under it, so the record the SEC asks for, the schedule a borrower sees and the figures in a report all come from the same loan. It is lending company software and microfinance software for the Philippines in one system, sized for small, high-volume peso loan books. How tracking, collections and servicing run across the whole portfolio is set out on our micro lending management software page. See how Lendbox compares with other software for loan management.
How a Philippine lending company runs its book on Lendbox
A registered lending company or an MF-NGO in the Philippines runs weekly centre meetings, salary loans and online applications side by side. Lendbox keeps the stages below on one record per loan.
Add the borrower with the government ID, phone number and GCash or Maya line on file, or let them apply through the client portal, and let AI document verification check the uploaded ID or payslip.
Set up a salary loan or business loan, or a centre loan with each member's share of the principal recorded separately, with the schedule priced the way your product sheet says and the fees itemised.
Route the loan through the approval ladder, record the release to the borrower's GCash, Maya or bank account, and let the general ledger post the entries on activation.
Post GCash, Maya and bank repayments against the loan as they land, and upload a collector's weekly round as one bulk batch. Reminders go out by SMS, email or WhatsApp before each due date.
Ageing buckets and portfolio at risk by product, branch and officer give the days-past-due figures an SEC or BSP report is built on, drawn from the loans rather than tallied at month-end.
Lending in the Philippines
The Philippines regulates lenders by legal form. Lending and financing companies register with the SEC, cooperatives with the CDA, banks with the BSP, and all of them are held to collections conduct rules that put a premium on the record you keep.
SEC registration under RA 9474 and RA 8556
A lending company registers with the Securities and Exchange Commission and reports on its operations. Lendbox supplies the loan ledger side with double-entry accounting, trial balance, P&L and balance sheet, and keeps the agreement and every repayment on the loan record.
SEC rules on unfair debt collection practices
The SEC prohibits abusive collection practices and expects a lender to show how it contacted a borrower. Every reminder sent by SMS, email or WhatsApp and every repayment posted in Lendbox is logged on the loan with who did it and when.
Accreditation under the Microfinance NGOs Act (RA 10693)
Accredited MF-NGOs run centre-based group lending with weekly collections. Lendbox's group loans record each member's share of one loan, and a collector's round is posted as one bulk batch.
Cooperative Development Authority
Credit cooperatives are registered with the CDA and lend to members from share capital and savings. Lendbox runs the lending side: loan records, repayments and arrears; the share and savings registers stay in the system the cooperative keeps them in.
SSS, PhilHealth, Pag-IBIG and withholding tax
For lenders running staff loans, the payroll module's Philippines preset applies SSS, PhilHealth, Pag-IBIG and withholding tax, and deducts staff loan repayments on the pay run.
Sources · Securities and Exchange Commission — Lending and financing companies · Lending Company Regulation Act of 2007 (RA 9474) · Microfinance NGOs Act (RA 10693) · Cooperative Development Authority · Reviewed .
Money in the Philippines
The book, statements and reports run in pesos. Repayments reach you on GCash, Maya or by bank, and Lendbox records them against the loan; it does not sit in the e-wallet flow.
Set the workspace currency to pesos once and every loan, schedule, statement and financial statement follows.
Post a repayment against the loan when it lands, or a collector's round as a bulk batch from the Excel template.
Staff loans and payroll run in the same workspace, with the Philippines statutory preset applied to each pay run.
Pricing
Billing is in US dollars by card. The peso amounts below are converted at an indicative rate so a lending company or cooperative can weigh the plans in pesos before signing up. See the full loan management software pricing in Philippines.
Prices shown in Philippine Peso (PHP)
PHP 1,600
/month
Billed yearly at PHP 20,000
PHP 5,700
/month
Billed yearly at PHP 68,000
PHP 8,500
/month
Billed yearly at PHP 110,000
PHP 11,800
/month
Billed yearly at PHP 144,000
Yes. Set the workspace currency to PHP and every loan, schedule, borrower statement and financial statement is in pesos. Lendbox runs the loan ledger and the accounting under it; for a cooperative, the share and savings registers stay where you keep them.
An officer posts each repayment against the loan when it lands in your wallet or bank account, or you upload a collector's round as one bulk batch from an Excel template. Lendbox does not connect to GCash or Maya, so nothing is pulled automatically; the posting and the receipt are logged on the loan.
Every reminder sent by SMS, email or WhatsApp, every repayment posted and every change to the loan is logged with who did it and when. That log is the record of how a borrower was contacted, and it exists without a collector keeping a separate one.
Yes. A centre loan records each member's share of the principal, a group repayment is split per member, and the collector's weekly round is posted as one bulk batch with a preview that flags any member that will not match. Collectors can also post from the mobile app at the meeting, as long as the phone has a data connection.
Yes. The client portal lets a borrower apply, see their schedule and balance, and view their documents. The application lands in the approval ladder like one captured by an officer.
Yes. The payroll module ships a Philippines preset with SSS, PhilHealth, Pag-IBIG and withholding tax, and staff loan repayments are deducted on the pay run. Lines your HR policy adds are configured per employee.
Yes. The marketing site is available in Tagalog at lendbox.io/tl, keeping the English product terms Philippine lenders already use. The lending dashboard itself is in English.
A lending company or cooperative with one branch starts on Basic; Business and Growth add branches and staff logins. The subscription is charged in US dollars by card, and the pricing grid on this page shows the peso equivalent at an indicative rate so you can weigh it before signing up.