SMART FINANCING SOLUTIONS
Funding built for where your business is headed.
Strategic funding solutions built to keep your momentum going, no matter your next big move.
Apply now
BUSINESS LOANS
Collateralized and non-collateralized capital for SMEs.
Whether you prefer collateralized financing or non-collateralized loans, our products deliver practical funding for equipment, inventory, and operational demands.
Strengthen your cash flow and execute your growth plans with straightforward terms designed for modern business operations.
Apply nowWHY DISCOVERY
A steady partner for ambitious SMEs.
Discovery supports SMEs as they work toward their business objectives. Our team is committed to product quality and service excellence, helping you access practical financing when it matters.
We aim to release loans within seven days, so you can spend less time waiting and more time moving your operations forward.
7
Working-day loan approval
upon completion of documents
USE YOUR LOAN YOUR WAY
Reasons to get a business loan
Choose financing that supports the opportunity in front of you.
For asset acquisition
For debt consolidation
For business acquisition
For working capital
For bridge financing
SIMPLE FROM START TO FINISH
Three clear steps
to your loan.
A clear, guided process from your first application to receiving your funds—so you always know what happens next.
01START HERE
Application
Click Apply Now, then we’ll complete a basic verification of your submitted information and documents.
Apply now02UP TO 7 DAYS
Approval
We target a seven-working-day approval once pertinent documents are complete, with updates sent by text message or phone call.
03FUNDS RELEASED
Releasing
After approval, your loan is ready for release—without hidden charges.
Check application statusGET READY TO APPLY
General documentary requirements
Loan Application Form
Must be completely filled out and signed by the borrower.
Mayor's Permit
Must be unexpired and under the name of the borrower.
Bank Certification & Bank Statement
Submit at least six (6) months of bank statements.
Billing Statement
Must be under the name of the borrower.
Barangay Clearance
Must be under the business or borrower name and duly signed by the Barangay Captain.
BIR Certificate of Registration (2303)
Submit the original or updated BIR 2303 for verification.
Audited Financial Statements
Submit two (2) years of financial statements signed by an SEC-accredited external auditor.
Income Tax Returns
Submit BIR-received income tax returns for two consecutive years.
BASED ON YOUR BUSINESS TYPE
Additional requirements
Sole proprietorship
- • DTI Registration
- • Business TIN ID
- • Government ID of business owners
Partnership
- • SEC Certificate of Partnership
- • Business TIN ID
- • Articles of Partnership & By-Laws
- • General Information Sheet
- • Secretary Certificate (Discovery format)
Corporation
- • SEC Certificate of Registration
- • Business TIN ID
- • Articles of Incorporation & By-Laws
- • General Information Sheet
- • Secretary Certificate (Discovery format)