Productive Loan
Business Loan Regular
Purpose: Help member-entrepreneurs access additional working capital or funds for asset acquisition and business expansion.
💰 Amount: ₱3M – ₱100M
⏱ Term: 12 – 60 months
📋 Deposit: 15% – 20%
👥 Co-maker: 1–2 depending on class
Business Loan Plus
Purpose: Help member-entrepreneurs improve their business through additional working capital or funds for asset acquisition and expansion.
💰 Amount: ₱1M – ₱5M
⏱ Term: 12 months
📋 Deposit: 15%
👥 Co-maker: 1–2 depending on class
Micro Enterprise Lite
Purpose: Increase support and provide additional working capital to local micro-entrepreneurs to help expand their enterprise.
💰 Amount: ₱50,001 – ₱1,000,000
⏱ Term: 3 – 24 months
📋 Deposit: 50% – 70% (by category)
Micro Enterprise Regular
Purpose: Provide working capital and asset acquisition support to micro-enterprise owners for business growth.
💰 Amount: ₱50,001 – ₱3,000,000
⏱ Term: Up to 36 months
📋 Deposit: 15% – 20%
👥 Co-maker: 1–2 depending on class
Additional Loan
Purpose: Supplementary loan facility for existing borrowers with good credit standing who need additional funds for their business.
💰 Amount: Based on existing loan balance
⏱ Term: Up to remaining original term
📋 Deposit: Per applicable loan type
Outside Territory Loan
Purpose: Extend financing access to member-entrepreneurs whose business operations are located outside the regular service territory.
💰 Amount: Per applicable loan type
⏱ Term: Per applicable loan type
📋 Deposit: Per applicable loan type
Check Rediscounting Loan
Purpose: Convert post-dated checks from business transactions into immediate cash to improve liquidity and working capital.
💰 Amount: Based on check face value
⏱ Term: Up to check maturity date
📋 Discount Rate: Per prevailing policy
Vehicle Financing – Business Use
Purpose: Finance the acquisition of motor vehicles for business use, including delivery trucks, vans, and utility vehicles.
🚗 Vehicle Type: Business-use motor vehicles
⏱ Term: Up to 60 months
📋 Equity/Down Payment: Minimum 20%
Motorcycle Financing – Business Use
Purpose: Finance the purchase of motorcycles used for business operations such as delivery services and logistics.
🏍 Vehicle Type: Business-use motorcycles
⏱ Term: Up to 36 months
📋 Equity/Down Payment: Minimum 20%
📞 For inquiries and loan applications, please visit www.orointegrated.coop or contact your nearest OIC branch. All loan products are subject to approval and standard OIC policies.
