Kickstart Your Ride to Success!

Ready to grow your business or kickstart your side hustle? Whether it’s for deliveries, transport services, or mobile vending, a brand-new motorcycle could be the game-changer you need – and OIC is here to help you make it happen!

This special loan product is designed to provide funding for your brand-new motorcycle — so you can use it for income-generating activities with easy and flexible payment terms.

Key Features:

• Purpose: For income-generating activities such as deliveries, transport services, or mobile vending.
• Loanable Amount: Up to ₱200,000.
• Who Can Apply: Entrepreneurs or self-employed members with at least 2 consecutive profitable years in business.

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

Be Ready to Drive Your Business Forward.

Your next business vehicle might just be a loan away with OIC’s Vehicle Loan for Business Use! This loan is your key to mobility and growth for your business.

Key Features:

• Purpose: For starting a delivery service, expanding farm operations, or transporting goods.
• Loanable Amount:
  • Brand New Vehicles – up to 90% of purchase price
  • Surplus / Reconditioned / China Trucks – up to 80%
  • Second-Hand Units (Display or Direct from Owner) – up to 70% of appraised value

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

Fuel your hustle and support your journey to economic self-sufficiency!

Calling All Aspiring Entrepreneurs & Small Business Owners! Are you ready to grow your small biz, boost your income, or finally launch that passion project? This loan is tailored for individuals engaged in selling goods, offering services, farming, or crafting, especially those from underserved communities.

Key Features:

• Purpose: For working capital, inventory, equipment, expansion, or even startup costs.
• Loanable Amount: From ₱20,000 up to ₱1,000,000.
• Loan Types: Micro Enterprise Regular Loan, Micro Enterprise Regular Loan (CM), Micro Enterprise Lite.

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

🚀Need Extra Funds to Boost Your Business?

Level up with OIC’s Additional Loan! This is a privilege loan exclusively for responsible, credit-worthy OIC members who have proven their dedication to growing their enterprise.

Key Features:

• Purpose: Strictly for income-generating purposes only, designed to support the growth of your existing enterprise. Not for personal or emergency use.
• Loanable Amount:
  • Up to the paid principal of your existing loan, but must not exceed the original loan amount.
• Can be applied for after 6 on-time monthly payments on your current loan.
• Collateral: No collateral needed for loans ₱100,000 and below.

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

🌍Far From the Branch, but Close to OIC.

The Outside Territory Loan is Just for You! Whether you’re in Lanao, Misamis Occidental, Zamboanga, or beyond – OIC is now bringing financial access closer to members outside our usual radius! This special loan is designed for OIC member-borrowers whose residence or business is beyond 100 km from the nearest OIC branch.

Key Features:

• Purpose:
  • Vehicle Purchase (brand new, surplus, or reconditioned).
  • Real Estate Financing (lot purchase, home or building construction).
  • Permanent Working Capital (for business growth).

• Loanable Amount:
  • Vehicle Financing – Up to 100% of purchase price (within SBL limits).
  • Lot Acquisition / House or Building Construction – Based on selling price.
  • Working Capital – Up to actual business requirement (within SBL limits).

• Who Can Apply:
  • Business owners aged 18–69 years old.
  • Sole proprietors, partners, or corporate shareholders.
  • Engaged in trading, vending, processing, manufacturing, agribusiness, or services.

• Must have a profitable business operating for at least 3 years.
• Possess good credit standing and provide acceptable collateral (real estate or vehicle).
• Operate environment-friendly business operations.

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

🚗 Own the Lot: Power Up Your Vehicle Dealership with OIC!

Your next inventory upgrade starts here. Are you a vehicle dealer looking for a better way to grow your inventory without draining your cash flow? OIC’s Floor Stock Financing Loan has got your back! This loan helps vehicle dealers grow their inventory.

Key Features:

• Purpose: To finance newly purchased units via auction or existing inventory for vehicle dealerships.
• Loanable Amount: Up to 85% of the unit’s value.
• Who Qualifies:
  • At least 3 years of legitimate vehicle dealership operations.
  • 2 consecutive years of profitable business.
  • Good credit standing and no negative credit records.
• Accepted Unit Types: Brand new, reconditioned, surplus cars or trucks (up to 10-wheeler).

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

🥚Grow Your Income One Egg at a Time!

Introducing OIC’s Table Egg Production Loan – your stepping stone to a sustainable, farm-based livelihood! If you’re a farmer or agri-entrepreneur ready to turn your land and skills into a thriving poultry business, this loan is exactly what you need. This special livelihood loan helps you start or expand your table egg production business, designed for both backyard growers and large-scale poultry operators.

Key Features:

• Purpose: To start or expand a table egg production business, covering Ready-To-Lay chickens and feeds.
• Loanable Amount:
  • Backyard Growers (starting with 350 hens): Up to ₱200,000.
  • Large-Scale Growers: Up to ₱2,000,000 based on track record, security, and capacity.
• Who Can Apply:
  • New or existing farmers with good standing.
  • Own at least 500 sqm of land for poultry use.
  • Have a production plan and a ready market.
  • Possess another income source or repayment capacity.
• Counterpart (for Backyard Growers): You provide housing, cages, and accessories as your counterpart.

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