Empire Peak Lending Investors Inc. is a Philippine lending company registered with the SEC under Registration No. CS201919994. Its Certificate of Authority to Operate as a Lending Company is No. 3191. The company was registered on 16 January 2020.
The company provides short-term personal loans through online lending platforms. Its confirmed recorded platforms are PondoCash and Peranyo. A January 2026 reproduction of the updated SEC platform list identifies both brands under Empire Peak Lending Investors Inc.
The main confirmed platform is:
The Google Play listing for Swift Peso also refers to Empire Peak Lending Investors Inc. as an authorising company. However, Swift Peso is operated by Sarbat Da Bhala Lending and Trading Corp. It should therefore not be presented as a direct Empire Peak brand in the same way as PondoCash and Peranyo.
Empire Peak provides unsecured personal loans to Filipino borrowers through digital platforms. Applications are completed remotely, and approved funds are transferred to a bank account or another supported disbursement channel.
The company’s services are generally intended for emergency expenses, bills, medical costs, purchases, home repairs, travel, business needs, and other personal purposes.
Loan approval is not automatic. The available amount, interest, fees, and repayment schedule depend on the applicant’s identity, employment, income, credit assessment, previous repayment record, and the terms displayed in the platform.
Peranyo is an online personal loan platform owned and operated by Empire Peak Lending Investors Inc. The service markets itself as a fully digital alternative to traditional bank applications.
The applicant normally needs:
The Peranyo website states that the application form may be completed in approximately five minutes, approval may be issued within two hours, and the loan may be disbursed within 24 hours after approval. These are advertised processing times rather than guaranteed deadlines.
Peranyo advertises multipurpose financing for:
Peranyo does not publish a complete standard loan tariff on its public website. The total repayment, interest, charges, due dates, and monthly payment schedule are shown in the individual loan agreement and the borrower’s Peranyo account.
The company states that approved money is released without undisclosed deductions, but borrowers should still compare the approved principal with the actual net proceeds shown in the Disclosure Statement.
The borrower should not confuse Peranyo with Peranyo Agad. Peranyo Agad is a separate application operated by AR HC Lending Investor Inc. and is not the Empire Peak platform discussed here.
Peranyo can be accessed through its website and mobile platform.
Website: peranyo.com
Borrower login: i.peranyo.com
A current official store listing under Empire Peak Lending Investors Inc. could not be clearly confirmed during the latest review. Borrowers should avoid applications that use the word “Peranyo” but identify a different legal lender.
Website: peranyo.com
Customer service email: [email protected]
Principal office address reported by the Philippine SEC in response to an official information request: 11th Floor, Trade Avenue, Coherco Financial Tower, Ayala Alabang, Muntinlupa City, Philippines
Company registration details:
SEC Registration No. CS201919994
Certificate of Authority No. 3191
Yes, the Empire Peak Lending Investors Inc. is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. CS201919994 and Certificate of Authority No. 3191. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "Empire Peak Lending Investors 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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