To help enterprising member-entrepreneur improve their business through the access of additional working capital or funds for asset acquisition and expansion to be used for the enterprise.

Maximum loanable amount:
Small Enterprise
1. Minimum Loanable Amount –P3,000,001.00
2. Maximum Loanable Amount –Php 15,000,000.00

Medium Enterprise
1. Minimum Loanable Amount –P15,000,001.00
2. Maximum Loanable Amount –P100,000,000.00

Term:
Credit Line – 12 mos
Permanent Working Capital – 36 mos
Acquisition/ Renovation of a fixed asset – 60 mos
Building Renovation/Expansion of Business – Maximum of sixty (60) months inclusive of one (1) year grace period.

Business Loan Plus

Loanable amount:
Minimum Loanable Amount – P1,000,000.00
Maximum Loanable Amount – P 5,000,000.00

Term:
12 months

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

A privilege Loan that can only be extended to member borrowers if it provides their enterprise an opportunity to grow

Loanable amount:
The maximum amount to be granted to a member borrower who is applying for an Additional Loan must be equal to or less than the paid principal amount of the existing loan and must not exceed the aggregate amount of the original loan.

Term:
The minimum term of payment of an additional loan shall be at least three (3) months or must be co-terminus to the term of the existing regular loan.

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

To accommodate cheque discounting to qualified member-borrower

Loanable amount:
The maximum loanable amount is EIGHTY PERCENT (80%) of the total amount of the post-dated checks issued corporation/company/ Cooperatives for rediscounting but not to exceed Four Million Pesos (P4,000,000).

Term:
The loan shall have a term co-terminus to the maturity date of the post-dated checks issued by the corporation / company / cooperative from thirty (30) days but not to exceed ninety (90) days.

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

To cater to the needs of our member-borrower in need of a Vehicle for business use.

Loanable amount:
Vehicle Brand New – up to 90% of the purchase price or max of 10 units
Surplus/Re-conditioned – up to 80% of cash list but not to exceed P 3,000,000
Second hand on display – up to 70% of the appraised value
Second hand from the owner – up to 50% of the appraised value

Term:
The loan shall have a term co-terminus to the maturity date of the post-dated checks issued by the corporation/company / cooperative from thirty (30) days but not to exceed ninety (90) days.

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

To cater the needs of our member-borrower in need of for business use.

Loanable amount:
Maximum P200,000.00

Term:
The loan shall have a term co-terminus to the maturity date of the post-dated checks issued by the corporation/company / cooperative from thirty (30) days but not to exceed ninety (90) days.

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.