Esquire Financing Inc. is a Philippine non-bank financial institution specializing in business financing for micro, small and medium-sized enterprises. The company primarily provides unsecured, or non-collateral, business loans intended for working capital, inventory purchases, expansion, equipment, payroll and other legitimate business expenses.
The company operates under the Esquire Financing brand. Its principal credit product is promoted as Esquire Business Loans. The legal company, brand and business-loan service use the same official website.
Esquire Financing Inc. does not publicly offer a standard personal cash-loan product. Its current website explicitly states that the company focuses on financing registered businesses rather than issuing loans for personal expenses.
The company’s main active brand is Esquire Financing.
The name Esquire Business Loans is used for its core SME financing product. It is a product description rather than a separate legal lender.
The company also operates Esquire Connect, a referral program through which existing customers and other participants can refer eligible business owners. A successful referrer may receive 1% of the released initial loan amount after the referred application is approved and funded. Esquire Connect is not a separate lending company or credit product.
No separate official mobile application published directly under the Esquire Financing name was confirmed. Applications are mainly initiated through the company’s website, branches, loan specialists and accredited sales channels.
Esquire Financing remains active.
Its official website continues to accept business-loan enquiries and publishes current contact information for offices in Taguig, Cebu and Davao. The company is also included in the Credit Information Corporation’s current list of submitting entities in production.
In February 2024, Esquire Financing entered into a partnership with the Philippine Guarantee Corporation to expand financing opportunities for small entrepreneurs and businesses.
The current company website advertises the following general features:
The ₱100 million amount is the maximum advertised limit. It is not guaranteed to every applicant. The actual amount depends on factors such as:
Esquire does not publish one standard minimum amount or one universal loan term on its current public product page.
Esquire Financing does not publish one fixed interest rate for all business loans.
The official website states that the rate is determined by the company’s credit committee and may vary according to:
A business owner must submit an application to receive a specific rate and repayment proposal.
Applicants should review the complete Disclosure Statement and loan agreement before accepting an offer. The documents should show:
An advertised maximum credit limit or fast approval time does not explain the total cost of borrowing.
The current website publishes the following basic eligibility conditions:
A campaign page provides a more specific requirement: the checking account should generally have been active for at least six months.
The website’s application form accepts several business structures:
The public form also asks the applicant to indicate average monthly sales, beginning with a category below ₱75,000 and extending to ₱1 million or more. This allows the company to conduct a preliminary assessment, but it does not establish a published minimum-sales requirement.
The company generally requires a business to have operated for at least one year. A newly registered company with no operating history may therefore have difficulty meeting the standard eligibility conditions.
The term “startup business loan” appears in Esquire’s marketing content, but the current qualification criteria still state that the business should be registered and operational for one year.
A young business should confirm directly with a loan specialist whether exceptions or alternative products are available.
Esquire Financing states that it does not offer standard personal loans.
Its financing products are intended for local enterprises and business owners. Loan proceeds should be connected with legitimate business purposes rather than personal consumption.
A salaried individual who does not operate a registered business would generally need to use another lender offering personal loans.
The company publishes a general set of mandatory documents for business-loan applicants.
The applicant may be required to submit:
Esquire states that the proof of billing should generally be no more than two months old.
A sole proprietor may also need to provide:
The DTI registration should reflect the current business name and status.
A partnership may be asked to provide:
A corporation may need to submit:
The company states that audited financial statements and a personal credit-score document are not included in its general standard-document list. Esquire may nevertheless request additional documents when necessary to assess a specific application.
The business owner begins by completing the application form on the official website.
The preliminary form requests information such as:
This initial form is a loan enquiry rather than a final loan agreement.
The company’s website terms state that a loan specialist should provide detailed application instructions within 48 working hours after the applicant submits contact information.
The specialist may:
The applicant submits the required business, identity, address and banking documents.
Information should be complete and consistent across:
Incomplete documents are likely to delay the assessment.
Esquire evaluates the business and applicant. The assessment may include:
A business site visit may be necessary in some cases.
The company sends application updates by email and SMS. A loan specialist may also contact the applicant directly.
Submitting a complete application does not guarantee:
The business owner should review:
The borrower should not sign blank forms or issue post-dated checks before the final repayment schedule has been confirmed.
After approval and execution of the required documents, Esquire releases the loan through the agreed channel.
The company states that an approved business loan may be claimed after approximately three business days. Another section advertises a credit decision or financing in as fast as one business day. These statements refer to different stages and should not be interpreted as a guaranteed same-day disbursement.
The official website contains several processing estimates:
The actual time depends on:
A complex or high-value application may require more time than a smaller standard request.
Esquire Financing states that business-loan repayments are generally collected through post-dated checks.
For this reason, the borrower may be required to maintain an active checking account and submit the required checks before loan release.
Before issuing post-dated checks, the borrower should confirm:
The business should ensure that sufficient funds are available before each check date.
The current public website does not provide a complete standard early-settlement policy.
A borrower planning to settle the loan ahead of schedule should request a written payoff calculation containing:
The account should not be considered closed until Esquire Financing confirms that the obligation has been fully settled and returns or cancels any unused post-dated checks.
The public product page does not publish one universal late-payment or returned-check fee.
The individual agreement should explain:
A business owner expecting repayment difficulties should contact the assigned loan specialist before the payment date.
Esquire Connect is the company’s business-loan referral program.
Both Esquire customers and non-customers may refer an eligible business owner. When the referred business successfully receives financing, the referrer may earn 1% of the released initial amount.
The company states that:
The referral commission does not affect whether the referred applicant qualifies for a loan.
A Google Play application called Peso Bridge states that it is operated by RR10 Lending Services Inc. and “authorized by” Esquire Financing Inc.
However, the app identifies RR10 Lending Services Inc. as its operator and publishes RR10’s own SEC registration and Certificate of Authority. It should therefore not be described as the principal Esquire Financing brand or official Esquire Business Loans application.
The confirmed Esquire Financing business-loan application process remains website- and loan-specialist-based.
Esquire Financing Inc. has the following confirmed regulatory details:
Company: Esquire Financing Inc.
Brand: Esquire Financing
Core product: Esquire Business Loans
Referral program: Esquire Connect
SEC Registration Number: CS201102284
Certificate of Authority Number: 1027
Certificate of Authority date: March 18, 2011
The SEC’s historical financing-company register identifies the company with the same registration number, authority number and issue date.
The Certificate of Authority permits Esquire Financing to operate as a financing company. It does not guarantee approval or establish one fixed interest rate for every applicant.
Company: Esquire Financing Inc.
Brand: Esquire Financing
Business-loan brand: Esquire Business Loans
Company and brand website: esquire.com.ph
Referral program website: esquire.com.ph/esquireconnect
Business-loan email: [email protected]
Manila phone: +63 2 8811 8888
Cebu phone: +63 32 238 0306
Davao phone: +63 917 650 5188
Manila office: U/G Savya Financial Center, Pulse Street, ARCA South, Taguig City 1630, Metro Manila, Philippines
Cebu office: 2nd Floor, Cebu Exchange Tower, Salinas Drive, Cebu City 6000, Philippines
Davao office: Units 5 and 6, KH Building, Ponciano Street, Barangay 3-A, Davao City, Philippines
The legal company and active business-loan brand use the same official website. No separate official Esquire Financing mobile application was confirmed.
Yes, the ESQUIRE FINANCING INC. is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. Cs201102284 and Certificate of Authority No. 1027. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "ESQUIRE FINANCING INC.", you may leave a review or contact the SEC by email at [email protected] or by calling the SEC Call Center at 02-5322-7696.
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