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PMT Forum's MOST POPULAR Discussion Boards => Business, Franchising and Entrepreneurship => Topic started by: jj23santos on Apr 16, 2014, 11:21 PM

Title: How to set up a MONEY LENDING business?
Post by: jj23santos on Apr 16, 2014, 11:21 PM


Moderator's Note: Please post in the appropriate MONEY LENDING thread. Posts that are off-topic or made in the wrong thread will be deleted. Here are our active discussion topics related to borrowing and lending money:


1. Profitable ba ang Money Lending Business / Pautang / 5-6 Business? (https://www.pinoymoneytalk.com/forum/index.php?topic=61007.0)


2. How to set up a MONEY LENDING business? (https://www.pinoymoneytalk.com/forum/index.php?topic=46838.0)


3. Saan pwedeng MANGUTANG? Sinong gustong magpa-UTANG? (https://www.pinoymoneytalk.com/forum/index.php?topic=61008.0)



Hi,

I 'm planning to put up a small business and thought that a Money Lending Business is a good idea. 

I already have an amount I plan to use as my capital and an ideal market but really doesn't have much Idea on how to start/operate it.

I really am hoping to get some help from you guys.

Thanks in advance.
Title: Re: How do you start a Small Scale Money Lending Business?
Post by: BrainDamage on Apr 17, 2014, 11:55 AM
Marami dito sa amin yan, karaniwan bumbay...
Madalas din sa una lang maganda magbayad, pagnakarenew na pahirapan
na singilin.
Title: Re: How do you start a Small Scale Money Lending Business?
Post by: john_vito287 on Apr 17, 2014, 02:16 PM
Hi,

I 'm planning to put up a small business and thought that a Money Lending Business is a good idea. 

I already have an amount I plan to use as my capital and an ideal market but really doesn't have much Idea on how to start/operate it.

I really am hoping to get some help from you guys.

Thanks in advance.

Basahin mo yung Pautang section dito sa PMT brod marami kang matutunan doon. Lahat ng kasagutan sa mga tanung mo patungkol sa lending nandoon.
Title: Re: How do you start a Small Scale Money Lending Business?
Post by: ardytenorio on Apr 18, 2014, 11:44 AM
share lang akong idea:

iconsider mo kung anong existing na kalakaran, like, ipercent per month, kung anong colateral like sa mga employees-atm, sa mga drivers-or/cr or sa palalengke-laway lang... dun mo i-base kung paano computation ng hulog.

note: start small at good luck
Title: How to set up a MONEY LENDING business?
Post by: rtiangco on Jan 27, 2017, 08:42 PM
mga master question lang ano ba payment scheme ng lending nyo? pwede ba kayu mag share? ano ba ang maganda? planning to change my payment scheme.

5k loan  150 per day mon to fri only 40days payment
5k loan 70 per day mon to sat doble ng mon 102 days
5k loan 50 per day 100 days to pay, pero di buo 5k release nito, less advance interest and processing fee.
5k loan 130 per day mon to sat only 45days payment
5k loan 100 per day mon to sun 60days to pay, (classic bumbay payment scheme)

yung lending nyo sir? paano po hulog
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Jan 28, 2017, 01:40 AM
mga master question lang ano ba payment scheme ng lending nyo? pwede ba kayu mag share? ano ba ang maganda? planning to change my payment scheme.

5k loan  150 per day mon to fri only 40days payment
5k loan 70 per day mon to sat doble ng mon 102 days
5k loan 50 per day 100 days to pay, pero di buo 5k release nito, less advance interest and processing fee.
5k loan 130 per day mon to sat only 45days payment
5k loan 100 per day mon to sun 60days to pay, (classic bumbay payment scheme)

yung lending nyo sir? paano po hulog

mostly 150/day everyday and some classics. now i know to some here sasabihin na ang sama ko dahil 20% yung interest ko pero yung yung nag save sa akin sa mga tumakbo sa akin amd very risky din lalo na pag alam ng tao may pera ka sa bag kaya pang mitigate lang ng risk since on my own naman ako pag mag default or malagay sa delikado buhay ko.
Title: Re: How to set up a MONEY LENDING business?
Post by: rtiangco on Jan 28, 2017, 02:10 PM
so sayo sir 150 per day 40days inclusive of sat and sunday?








/
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Jan 28, 2017, 07:43 PM
mga master question lang ano ba payment scheme ng lending nyo? pwede ba kayu mag share? ano ba ang maganda? planning to change my payment scheme.

5k loan  150 per day mon to fri only 40days payment
5k loan 70 per day mon to sat doble ng mon 102 days
5k loan 50 per day 100 days to pay, pero di buo 5k release nito, less advance interest and processing fee.
5k loan 130 per day mon to sat only 45days payment
5k loan 100 per day mon to sun 60days to pay, (classic bumbay payment scheme)

Sakin 5k;100 a day for 60 days nasanay n kc tao hirap n baguhin.

yung lending nyo sir? paano po hulog
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Jan 28, 2017, 08:09 PM
so sayo sir 150 per day 40days inclusive of sat and sunday?


yup kasama sabado lingo wala lang pag holiday








/
Title: Re: How to set up a MONEY LENDING business?
Post by: rtiangco on Jan 31, 2017, 01:45 AM
samin 150 per day mon to fri lng, tas 40 hulog pahinga sat n sun
Title: Re: How to set up a MONEY LENDING business?
Post by: george88 on Jan 31, 2017, 06:30 PM
Kung 10% sa 60 days lugi ba ako?
Title: Re: How to set up a MONEY LENDING business?
Post by: skrillac on Jan 31, 2017, 06:51 PM
Yes 150!
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Jan 31, 2017, 08:25 PM
Kung 10% sa 60 days lugi ba ako?


actually hinde naman reasonable na rin yan. malulugi ka lang pag hinde nag bayad. kaya ako or yung iba nag stick sa bombay method kasi kung may tumakbo man sagot na ng interest ko sa ibang good borrowers ko.
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Jan 31, 2017, 08:26 PM
samin 150 per day mon to fri lng, tas 40 hulog pahinga sat n sun

gusto ko nga rin yan para naman maka panood ako ng sine heheh. pag naka register na yand din gagawin ko
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Feb 01, 2017, 10:01 AM
mga master question lang ano ba payment scheme ng lending nyo? pwede ba kayu mag share? ano ba ang maganda? planning to change my payment scheme.

5k loan  150 per day mon to fri only 40days payment
5k loan 70 per day mon to sat doble ng mon 102 days
5k loan 50 per day 100 days to pay, pero di buo 5k release nito, less advance interest and processing fee.
5k loan 130 per day mon to sat only 45days payment
5k loan 100 per day mon to sun 60days to pay, (classic bumbay payment scheme)

yung lending nyo sir? paano po hulog

          Lumabas na permit ko sa SEC wala na problema. Siguro gagawin ko at pipilitin 50 days mon to sat. para may day off na sunday.
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Feb 01, 2017, 03:13 PM
          Lumabas na permit ko sa SEC wala na problema. Siguro gagawin ko at pipilitin 50 days mon to sat. para may day off na sunday.


wow congrats magkano lahat gastos?
Title: Re: How to set up a MONEY LENDING business?
Post by: rtiangco on Feb 02, 2017, 12:48 AM
@jesdgreat gaano ba kadugo pagkuha talaga nyan? alam ko madali lang e, parang wala 1month nag ka license ka na ah?

Title: Re: How to set up a MONEY LENDING business?
Post by: SarahBrs on Feb 02, 2017, 09:35 AM
mam sarahbrs, pm nyo ako

Sir, nagpm po ako sa inyo. Thank you.
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Feb 02, 2017, 10:10 AM
SEC registration is only the first step to being legal.
Next up is BIR Registration, Barangay Clearance, SSS, Pag-ibig, PhilHealth, Business Permit, BFP Permit

Did I miss something? Dba meron din yan BSP permit or is that included in the SEC registration?
Title: Re: How to set up a MONEY LENDING business?
Post by: kobabear on Feb 02, 2017, 11:03 AM
mag ingat kau, may bagong pagkakaperahan ang kapulisan. may mga bombay na nabiktima
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Feb 02, 2017, 02:09 PM
mag ingat kau, may bagong pagkakaperahan ang kapulisan. may mga bombay na nabiktima

anong area na biktima ang bumbay?
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Feb 02, 2017, 08:51 PM

wow congrats magkano lahat gastos?


       20k sa naglakad, 15k sa Sec registration, 35k sa lending software. Sa monday pako punta sa BIR.
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Feb 02, 2017, 08:54 PM
@jesdgreat gaano ba kadugo pagkuha talaga nyan? alam ko madali lang e, parang wala 1month nag ka license ka na ah?


       4 days lang pag kumpleto papel. Ganun lang kabilis lalo na kung taga lakad ay may pamasahe hehehehe.
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Feb 02, 2017, 08:57 PM
mag ingat kau, may bagong pagkakaperahan ang kapulisan. may mga bombay na nabiktima


      Ingat din pag may time. Ano ginawa? details naman para yung iba maging aware!
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Feb 02, 2017, 08:58 PM
SEC registration is only the first step to being legal.
Next up is BIR Registration, Barangay Clearance, SSS, Pag-ibig, PhilHealth, Business Permit, BFP Permit

Did I miss something? Dba meron din yan BSP permit or is that included in the SEC registration?

       Sir tagal ka na dito diba? ilang years ka ng nagpapa-utang?
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Feb 02, 2017, 09:32 PM

       20k sa naglakad, 15k sa Sec registration, 35k sa lending software. Sa monday pako punta sa BIR.

sa BIR may babayaran pa ba?
Title: Re: How to set up a MONEY LENDING business?
Post by: eliG on Feb 03, 2017, 12:37 AM
Grabe ang mga payables sa permits. Its not one time, yearly pa naman renew/bayad. Congrats sir jesdgreat licensed ka na...malapit na. Indeed you are great. For mentioning sir wilch ang BFP nasariwa na naman ang kawalanghiyaan nang mga kup** pagkuha FIC dagdag pa ang occupancy sa Eng'ng. Sana maypagbabago ngayon bago admin. Pag malapit ka pa sa laguna lake may LLDA pa (one time naman) at environmental. Kadami..... Ako unti unti pinatitigil ko na lending kahit nakikiusap. Sa stocks nalang ko concentrate.
Title: Re: How to set up a MONEY LENDING business?
Post by: ardytenorio on Feb 03, 2017, 09:42 AM
jesdgreat < sir congrats at may permit kana.
ask ko lang po kung may standard rules ba SEC sa lending like fix interest rate etc. or kung paano ang process mo yun pa rin?
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Feb 05, 2017, 07:32 PM
sa BIR may babayaran pa ba?

       Di ko pa alam bos monday baka punta nko bir
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Feb 05, 2017, 07:33 PM
jesdgreat < sir congrats at may permit kana.
ask ko lang po kung may standard rules ba SEC sa lending like fix interest rate etc. or kung paano ang process mo yun pa rin?

       Sa application for reg. sa SEC kailangan 5% lng lagay mo para maapprove.
Title: Re: How to set up a MONEY LENDING business?
Post by: ardytenorio on Feb 06, 2017, 09:15 AM
       Sa application for reg. sa SEC kailangan 5% lng lagay mo para maapprove.

For permit purpose lang yung 5% pero in actual same pa.rin sa dati mong interest.

Hope to learn more from you sir. Tia
Title: Re: How to set up a MONEY LENDING business?
Post by: george88 on Feb 07, 2017, 04:57 PM
gagawin ko legal ang lending business ko pwede ko kaya sya iregister as BMBE since maliit pa lang start ko
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Feb 07, 2017, 07:50 PM
gagawin ko legal ang lending business ko pwede ko kaya sya iregister as BMBE since maliit pa lang start ko


ano yung BMBE? base sa lending act 200z kailangan corporation ang lending company na may minimum paid up capital 1M. http://www.sec.gov.ph/wp-content/uploads/2015/08/IRR-Lending-Company-Regulation-Act-of-2007-RA-9474.pdf
Title: Re: How to set up a MONEY LENDING business?
Post by: george88 on Feb 08, 2017, 03:30 PM
Barangay Micro Business Enterprise
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Feb 08, 2017, 04:41 PM
Barangay Micro Business Enterprise


sarap sana kung puwede. ewan ko ba bakit kailangan pahirapan ng gobyerno ang mga tao mag negosyo
Title: Re: How to set up a MONEY LENDING business?
Post by: ardytenorio on Feb 09, 2017, 08:54 AM
Tama, di naman lahat afford yung requirements ng SEC. Kung ang habol ng government na iligtas sa mga loan sharks ang mamayang pilipino magset na lang ng limit ng interest.
Kung ang habol para makapag-generate ng income through tax sana may ibang option na mas fit sa small time lenders
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Feb 09, 2017, 03:30 PM
Tama, di naman lahat afford yung requirements ng SEC. Kung ang habol ng government na iligtas sa mga loan sharks ang mamayang pilipino magset na lang ng limit ng interest.
Kung ang habol para makapag-generate ng income through tax sana may ibang option na mas fit sa small time lenders


talagang income sa tax habol ng mga yan at income sa padulas na rin.
Title: Re: How to set up a MONEY LENDING business?
Post by: rtiangco on Feb 11, 2017, 01:09 AM
@jesdgreat musta lakad nyo sa bir?
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Feb 11, 2017, 11:54 AM

sarap sana kung puwede. ewan ko ba bakit kailangan pahirapan ng gobyerno ang mga tao mag negosyo

Takaw sa pera ... ?
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Feb 11, 2017, 12:01 PM
Ang masama dyan, pahirapan pa para makabayad.
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Feb 11, 2017, 01:05 PM
Ang masama dyan, pahirapan pa para makabayad.


papahirapan ka tapos mag suggest sila paano ma pa dali ang proseso sabay kindat hehe
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Feb 13, 2017, 12:23 PM
@jesdgreat musta lakad nyo sa bir?

       wala pa bir. Business permit muna. hiningan ako ng 16,500.
Title: Re: How to set up a MONEY LENDING business?
Post by: ardytenorio on Feb 14, 2017, 09:11 PM
Sa mga permit pa lang mauubos yata 200k
Title: Re: How to set up a MONEY LENDING business?
Post by: rapido on Feb 14, 2017, 11:12 PM
wag muna i register, maging private lender ka nalang
just do the due diligence :hihi:
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Feb 15, 2017, 10:20 AM
Sa mga permit pa lang mauubos yata 200k

       Di naman budget ka 100k kung ikaw maglalakad. Pero pag sa tao alam na...
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Feb 15, 2017, 03:48 PM
If you think ARAY ang registration, wait till you start operation ... katakot-takot na filing monthly pati bayaran ...
Title: Re: How to set up a MONEY LENDING business?
Post by: Zilch on Feb 15, 2017, 04:15 PM
WTF grabe nmn registration ang mahal

parang construction permits s LGU kung humingi wagas
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Feb 15, 2017, 05:22 PM
If you think ARAY ang registration, wait till you start operation ... katakot-takot na filing monthly pati bayaran ...


mga magkano estmate. exampleb 100k gross mo na kita monthly?
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Feb 15, 2017, 06:22 PM
11,000.00 VAT palang.

I-require ka mag register sa SSS, Pag-Ibig and Philhealth - lahat meron monthly premiums.
Check BIR chart for withholding tax.
Kaya mo nang walang accountant for various filing? Kung hindi meron monthly retainer/ salary din.
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Feb 15, 2017, 10:36 PM
11,000.00 VAT palang.

I-require ka mag register sa SSS, Pag-Ibig and Philhealth - lahat meron monthly premiums.
Check BIR chart for withholding tax.
Kaya mo nang walang accountant for various filing? Kung hindi meron monthly retainer/ salary din.

aruy juice ko. tapos at risk ka pa sa default at delinquency.
Title: Re: How to set up a MONEY LENDING business?
Post by: eliG on Feb 16, 2017, 08:02 AM
Sa akin after magregister sa bir nakatanggap ako letter from pag ibig requiring me to register my employees with them, sss, philhealth at meron pa ata indi ko na matandaan. Siguro naka link na sila sa bir bat nalaman nila may business ako. Ang accounting retainers fee ko 700 /mo. no wonder dami business indi nagpaparegister sa dami requirements at babayaran.
Title: Re: How to set up a MONEY LENDING business?
Post by: eliG on Feb 16, 2017, 08:11 AM
Monthly bayad sa bir kaya kumuha na ako accounting firm. Makakatipid ka sa retainers fee kung ang kukunin mo ay yung mga naglalakad sa bir na walang firm hehehe. 500/mo. Sayang huli ko na nalaman.
Title: Re: How to set up a MONEY LENDING business?
Post by: eliG on Feb 16, 2017, 08:16 AM
Dito sa lending business pag registered ka na indi ko alam kung paano mag declare monthly sales pati issuance nang recibo???. We will wait updates kay sir jesdgreat.
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Feb 16, 2017, 09:52 PM
Online ang BIR monthly reports, another hassle
Title: Re: How to set up a MONEY LENDING business?
Post by: rtiangco on Feb 16, 2017, 11:28 PM
madugo pala to, di mag sink in mga nababasa ko sa utak ko, hehehe
Title: Re: How to set up a MONEY LENDING business?
Post by: Thomas on Feb 17, 2017, 03:31 AM
And the business owner risk punishment fees for being late with something, even when logical it isn't needed !!!  :(
For instance punishment fee for not geting special made invoices AND reciepts FAST, even when (one of them) sure never will be needed. And you need to get them FAST even when the business isn't started yet of some reason depending of OFFICIALS !!!  (As for instance they haven't handled an other needed permit yet.)
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Feb 17, 2017, 11:03 AM
No wonder underground economy thrives in RP, ano?
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Feb 18, 2017, 08:06 PM
Dito sa lending business pag registered ka na indi ko alam kung paano mag declare monthly sales pati issuance nang recibo???. We will wait updates kay sir jesdgreat.

       Will update you guys, as of now wala pa business permit ko pinalakad ko na rin. Yung fire clearance meron na kasama fire extinguisher.
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Feb 19, 2017, 08:31 PM
 
       May Problema ako guys. Kung mag back read kayo yung tao ko na may 64 na hawak. Tumakbo ng pinalulutang ko na yung mga tao nya kc may permit na ako. Ano ba dapat ikaso ko dun estapa ba o qualified theft.
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Feb 20, 2017, 09:27 PM

       May Problema ako guys. Kung mag back read kayo yung tao ko na may 64 na hawak. Tumakbo ng pinalulutang ko na yung mga tao nya kc may permit na ako. Ano ba dapat ikaso ko dun estapa ba o qualified theft.

nangyari na rin sa akin yan sa iba ko pinahawak yun tinakbo. kaso maliit lang kaya hinde ko na hinabol
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Feb 21, 2017, 11:01 AM
Need to do TOKHANG!
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Feb 23, 2017, 11:32 AM
Need to do TOKHANG!

       Di pwede kc kapitbahay lang pag binurol sa tabi lang rin.
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Feb 23, 2017, 12:51 PM
       Di pwede kc kapitbahay lang pag binurol sa tabi lang rin.

kinasuhan mo na ba?
Title: Re: How to set up a MONEY LENDING business?
Post by: Thomas on Feb 24, 2017, 06:37 AM
  No wonder underground economy thrives in RP, ano? 
  We agree !!!    :hihi:
Title: Re: How to set up a MONEY LENDING business?
Post by: pink on Feb 24, 2017, 04:11 PM
nasa process na rin ako ng registration ng lending corporation. i read about the 500/month na maglalakad sa bir ba yun? kasi nakipagkontrata na ko sa isang CPA to do the accounting at bookkeeping ng kumpanya. and true sobrang dami ng requirements sa SEC, until now hindi ko pa nakumpleto yun requirements ng certificate of authority. complete na ko dun sa incorporation documents like AOI Treasurer's Affidavit at By Laws.
Title: Re: How to set up a MONEY LENDING business?
Post by: rtiangco on Feb 25, 2017, 05:09 PM

       May Problema ako guys. Kung mag back read kayo yung tao ko na may 64 na hawak. Tumakbo ng pinalulutang ko na yung mga tao nya kc may permit na ako. Ano ba dapat ikaso ko dun estapa ba o qualified theft.
badtrip yan ah, dapat talaga kilala ka din talaga nung mga clients mo ng personal. balita sir? nag tatago po ba?
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Feb 27, 2017, 03:20 PM
kinasuhan mo na ba?
   

       Di pa sinisingil ko nlng ng 1k kada araw kesa asuntuhin ko pa. Nag usap kmi pag tinakbuhan nya utang nya tsaka ko sya idedemanda. Kc pagdating sa korte ganun din mangyayari magtatawaran din kung magkano ihuhulog nya db?
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Feb 27, 2017, 03:24 PM
nasa process na rin ako ng registration ng lending corporation. i read about the 500/month na maglalakad sa bir ba yun? kasi nakipagkontrata na ko sa isang CPA to do the accounting at bookkeeping ng kumpanya. and true sobrang dami ng requirements sa SEC, until now hindi ko pa nakumpleto yun requirements ng certificate of authority. complete na ko dun sa incorporation documents like AOI Treasurer's Affidavit at By Laws.


       Ganyan talaga ma proseso. Sa kin bir nalang antay ko pinalakad ko lahat.
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Feb 27, 2017, 03:27 PM
badtrip yan ah, dapat talaga kilala ka din talaga nung mga clients mo ng personal. balita sir? nag tatago po ba?


       So far ok nman sa ngayon daily naghuhulog sya ng 1k pag sumablay sya tsaka ko n idedemanda. Yun lang tagal ng 1.4 pero maaantay ko yun kc tatagal nman tong lending ko. Yung mga ginamit nyang pangalan awas bwelta pag inabot ng duedate.
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Feb 27, 2017, 04:26 PM
mga masters kumusta na operations? sa akin ok pa rin demand kaso medyo palamig ako naapektuhan capital ko nang may nagkasakit sa amin.
Title: Re: How to set up a MONEY LENDING business?
Post by: pink on Feb 27, 2017, 04:37 PM

       So far ok nman sa ngayon daily naghuhulog sya ng 1k pag sumablay sya tsaka ko n idedemanda. Yun lang tagal ng 1.4 pero maaantay ko yun kc tatagal nman tong lending ko. Yung mga ginamit nyang pangalan awas bwelta pag inabot ng duedate.

Ouch, 1.4, laki nyan
Title: Re: How to set up a MONEY LENDING business?
Post by: pink on Feb 27, 2017, 04:46 PM
Monthly bayad sa bir kaya kumuha na ako accounting firm. Makakatipid ka sa retainers fee kung ang kukunin mo ay yung mga naglalakad sa bir na walang firm hehehe. 500/mo. Sayang huli ko na nalaman.

Interested ako dito. bookkeeping and accounting ba gagawin nito? plus yun monthly reports?
Title: Re: How to set up a MONEY LENDING business?
Post by: pink on Feb 27, 2017, 04:49 PM
Sa akin after magregister sa bir nakatanggap ako letter from pag ibig requiring me to register my employees with them, sss, philhealth at meron pa ata indi ko na matandaan. Siguro naka link na sila sa bir bat nalaman nila may business ako. Ang accounting retainers fee ko 700 /mo. no wonder dami business indi nagpaparegister sa dami requirements at babayaran.

ano po ang services included sa 700/month?
Title: Re: How to set up a MONEY LENDING business?
Post by: pink on Feb 27, 2017, 04:59 PM
Grabe ang mga payables sa permits. Its not one time, yearly pa naman renew/bayad. Congrats sir jesdgreat licensed ka na...malapit na. Indeed you are great. For mentioning sir wilch ang BFP nasariwa na naman ang kawalanghiyaan nang mga kup** pagkuha FIC dagdag pa ang occupancy sa Eng'ng. Sana maypagbabago ngayon bago admin. Pag malapit ka pa sa laguna lake may LLDA pa (one time naman) at environmental. Kadami..... Ako unti unti pinatitigil ko na lending kahit nakikiusap. Sa stocks nalang ko concentrate.

nasa stocks din ako. COL ba broker mo?
Title: Re: How to set up a MONEY LENDING business?
Post by: pink on Feb 27, 2017, 05:06 PM
SEC registration is only the first step to being legal.
Next up is BIR Registration, Barangay Clearance, SSS, Pag-ibig, PhilHealth, Business Permit, BFP Permit

Did I miss something? Dba meron din yan BSP permit or is that included in the SEC registration?

May BSP endorsement if the authorized capital is 10M up or more than 40% ang foreign participation, otherwise, Certificate of Authority at Certificate of Registration sa SEC. Yung Certificate of Authority, andaming requirements, NBI clearance ng mga shareholders, business plan, Undertaking ng president of the Corporation, application form, Information Sheet, notarized bank certificate of deposit
Title: Re: How to set up a MONEY LENDING business?
Post by: eliG on Feb 27, 2017, 09:17 PM
Interested ako dito. bookkeeping and accounting ba gagawin nito? plus yun monthly reports?

Yap sila na lahat sa mga monthly requirements sa bir pati pag file yearly income tax. Pwede rin palakad renewal mayors permit additional fee 2k nga lang. Last year tinangal ang brgy permit ngayon binalik/pinadaan ulit. Sa mga licensed na, dapat accountant na nang corp ang gagawa nito.
O.t..Sa stocks, sa bpi ako. Puro naman pula ngayon hehehe.   
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Feb 28, 2017, 07:50 AM
Sana govt makes it easier and less costly for business ... suntok sa buwan!
Title: Re: How to set up a MONEY LENDING business?
Post by: pink on Feb 28, 2017, 09:11 AM
Yap sila na lahat sa mga monthly requirements sa bir pati pag file yearly income tax. Pwede rin palakad renewal mayors permit additional fee 2k nga lang. Last year tinangal ang brgy permit ngayon binalik/pinadaan ulit. Sa mga licensed na, dapat accountant na nang corp ang gagawa nito.
O.t..Sa stocks, sa bpi ako. Puro naman pula ngayon hehehe.   

Pwede ko ba makuha contact number nila or email kasi mag inquire ako sa services nila? Thank you
Title: Re: How to set up a MONEY LENDING business?
Post by: pink on Feb 28, 2017, 09:21 AM
Nga pala my fellow businessmen, if you will be establishing your business address sa NCR, may mga available co-working spaces or virtual offices which will take care of permits FOC (occupancy, building, fire extingusiher) needed to secure Mayor's Permit  and the rent could be as low as 896/month inclusive of VAT.
Title: Re: How to set up a MONEY LENDING business?
Post by: CodyDeegan on Feb 28, 2017, 10:00 AM
Sana govt makes it easier and less costly for business ... suntok sa buwan!

Efforts has been made for this to be possible but what is lacking is the implementation itself. There's a lot on the plate of this administration the worst part is that everything is urgent so the question of what to do first is frustrating for them. Just like you, I am wishing for a faster business registration process and a bit more easing of the foreign restrictions and of course the tax issues. Let's keep our fingers crossed for the changes to come economically speaking.
Title: Re: How to set up a MONEY LENDING business?
Post by: eliG on Feb 28, 2017, 11:08 AM
Pwede ko ba makuha contact number nila or email kasi mag inquire ako sa services nila? Thank you
Na pm ko sa iyo sir. rgds..
Title: Re: How to set up a MONEY LENDING business?
Post by: rtiangco on Mar 01, 2017, 10:48 PM
pa pm nga din skin boss ng nag lalakad ng registration nyo. salamat
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Mar 04, 2017, 09:07 AM
Meron isang subic locator company wherein the top 2 officials also lend money to the employees.

Ngayon nag-complaint yung isang employee sa reporter na naging mahirap buhay nya kasi lumiit ang take home pay nya dahil sa loan payments nya.

Sira ulo din ano?
Umutang ka eh, syempre bayaran mo!
Tinulungan ka na nga when you needed the money!
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Mar 06, 2017, 05:58 PM
Meron isang subic locator company wherein the top 2 officials also lend money to the employees.

Ngayon nag-complaint yung isang employee sa reporter na naging mahirap buhay nya kasi lumiit ang take home pay nya dahil sa loan payments nya.

Sira ulo din ano?
Umutang ka eh, syempre bayaran mo!
Tinulungan ka na nga when you needed the money!

pag utang bait.
Pag singil galit.
pagahanap tago.
pag salubung liko.

Title: Re: How to set up a MONEY LENDING business?
Post by: krik on Mar 15, 2017, 09:33 AM
Good day Sir. eliG
Baka pwede makahingi ng contacts ng accounting personnel na nag-assist sayo, I just renewed our licensed and we are paying to much for our accounting services. I am hoping in getting help to lessen our expenses.
Thank you so much sir!
Title: Re: How to set up a MONEY LENDING business?
Post by: eliG on Mar 16, 2017, 10:37 PM
Good day Sir. eliG
Baka pwede makahingi ng contacts ng accounting personnel na nag-assist sayo, I just renewed our licensed and we are paying to much for our accounting services. I am hoping in getting help to lessen our expenses.
Thank you so much sir!

o.t. na tayo a ..sir pagmalaki monthly sales mo malaki charge hehehe jok joke. na pm ko na pati kay sir rtiangco.
Title: Re: How to set up a MONEY LENDING business?
Post by: pink on Mar 17, 2017, 09:13 AM
wala boss e di sumasagot yun sa accounting
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Mar 24, 2017, 07:55 PM
       Musta na mga tropa. Go lang ng go. Kasama talaga sa hanapbuhay natin ang mga delinquent at manloloko. Nasa sa atin na yun kung maiisahan tayo.
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Mar 25, 2017, 02:48 PM
       Musta na mga tropa. Go lang ng go. Kasama talaga sa hanapbuhay natin ang mga delinquent at manloloko. Nasa sa atin na yun kung maiisahan tayo.

grabe talaga. Minsan sarap kutusan buti na lang nakakapag timpi pa ako.
Title: Re: How to set up a MONEY LENDING business?
Post by: ardytenorio on Mar 25, 2017, 08:38 PM
Kung minsan di mo alam kung matalino sila o tanga ka lang at naisahan ka nila...
Ang importante may matutunan ka at may damage control next time.
Title: Re: How to set up a MONEY LENDING business?
Post by: Hopialikeit on Mar 26, 2017, 10:24 AM
Kamusta po,

Any tips po sa mga gustong magstart ng business na ito? Madalas kong nabasa dito is, tinakbuhan na ng nangutang
Title: Re: How to set up a MONEY LENDING business?
Post by: mtjsantillan on Mar 26, 2017, 10:49 AM
san po ako pede makapagloan ng mabilis.. taga las pinas city po ako..gamitin ko sa pagpapaganda ng nabili kong van at pagrenew ng LTO nito. thanks
Title: Re: How to set up a MONEY LENDING business?
Post by: Thomas on Mar 27, 2017, 12:23 AM
Any tips po sa mga gustong magstart ng business na ito? Madalas kong nabasa dito is, tinakbuhan na ng nangutang
A tip is don't start such business   :hihi:

It's rather common borrowers screw lenders by disapering,
and it's very common lender "screw" borrowers by crazy high interests...  (480 % recounted to per year is common.)

And it's DANGEROUS too. I don't remember how many were loan-sharks at the list of murdered before Duterte, but it was sure more than 20 in a few years.

BUT there is a rather similar business, which is GOOD for the Philippines   = Finance small BUSINESSES.
Because common 5-6 make the other LOSE money (by the high interest)
while wice financing of small businesses make the other EARN money too...
Title: Re: How to set up a MONEY LENDING business?
Post by: heartbrave26 on Mar 29, 2017, 02:40 PM
to lessen risks from runners,
1. wag sa walang business/work...
2. wag maniwala sa mga startups business kuno... lalo kung networking type ang papasukin nya
3. kilatisin ang mga papautangin... at least alam mo kung saan ang bahay (incase takbuhan ka!!! pede mong sunugin!!! hahaha joke lang po...
4. try nyo iapprase kung magkano ang kaya nyang bayaran... ex. tingin nyo ang kinikita nya 20k/month.... give him 10k payable to 2months...
5. give them emergency loans with low interest... kasi kung may emergency yan di nya na mababayaran yang utang sayo... marketing mo na din yan
6. now kung talagang tingin mo negative ng makahulog... try to approach them offer them, to pay just the principal...(worst case)
7. never forget to give gifts on year ends!!! atleast 5% of the total interests you collected from him!!!
8. be a friend to them... never mamamahiya ng tao!!! and never manakit ng tao dahil sa PERA!!!   
Title: Re: How to set up a MONEY LENDING business?
Post by: jenofstructures on Mar 30, 2017, 08:18 AM
Kamusta po,

Any tips po sa mga gustong magstart ng business na ito? Madalas kong nabasa dito is, tinakbuhan na ng nangutang

backread ka sir. Yung mga original na nag posts dito, marami silang binibigay na tips sa mga tumatakbo sa utang. Maganda naman kasi nagagamit ko yung mga natatandaan ko.
Title: Re: How to set up a MONEY LENDING business?
Post by: mmel on Apr 05, 2017, 05:26 PM
Kamusta po newbie lang po,,,

Mrs ko po nagpapautang din 60 days po bigay nya...
small time lang po mga 5k per day lang po collection nya...
3k-5k bigay nya at mangilan ngilan 10k...
mga sari-sari store po karamihan at mga nag tsatangge...
at mga fishball vendor dun lang po sa may amin...

Maipapayo ko lang po ingat ingat lang po sa pagbibigay...
Godbless po sa lahat...

Title: Re: How to set up a MONEY LENDING business?
Post by: yanots30 on Apr 07, 2017, 06:28 PM
Mga kuya at ate newbie lang po....

Ok lang po ba sa small time lending business ko itong mga rates na  i-apply ko:

1 Month = 5%
2 Months = 10 %
3 Months = 12%
6 Months = 15%
9 Months = 17.5%
12 Months = 20%

Pa-advise naman po kung okey lang...Salamat sa magpapayo...:)
Title: Re: How to set up a MONEY LENDING business?
Post by: yanots30 on Apr 07, 2017, 10:20 PM
Isang kaltasan lang po ako magless ng interest.
Example po 5000 tapos 3 mos daw babayaran
4400 n lng ibibigay ko sa kanya kc less ko na 12% then  payment niya monthly is1,666 for 3 mos
Title: Re: How to set up a MONEY LENDING business?
Post by: ardytenorio on Apr 07, 2017, 10:46 PM
@yanots30...
Pagaralan mo kung paano kalakaran sa inyo. Lalu na baguhan kapa lang magpapahiram.
Gawan mo ng marketing strategy para makilala ka. Kilatisin mong mabuti mga applicante mo.
Doble ingat, maraming veterans na sa pangungutang.
Title: Re: How to set up a MONEY LENDING business?
Post by: palailai on Apr 08, 2017, 12:33 PM
employed ako sa isang security agency...kami ng mga ka officemates ko tatlo kami nag pool kami ng pera para lending sa mga security guards maximum of 10k loans/guard only...so far ok ang kita kasi ako ang incharge sa payroll namin...since online banking ang payroll nila automatic deduction...walang kawala sila...
Title: Re: How to set up a MONEY LENDING business?
Post by: palailai on Apr 08, 2017, 12:35 PM
ang capital namin ay 75k lang at interest ng loan is only 4% per month...nag start kami Jan 2017
Title: Re: How to set up a MONEY LENDING business?
Post by: yanots30 on Apr 08, 2017, 01:00 PM
Peo okay lang po ba yung interest rates? Or malaki po?
Title: Re: How to set up a MONEY LENDING business?
Post by: palailai on Apr 08, 2017, 01:50 PM
ang sabi ni chinkie tan 3-5% int sa loan ok na....sa amin 4% lang/mo. may kita na, nakatulong pa..kasi pag sa labas sila mangutang maliit na ang 6%/month na tubo... 
Title: Re: How to set up a MONEY LENDING business?
Post by: yanots30 on Apr 08, 2017, 04:55 PM
Sa akin po mukha lang malaki pero pag long term na maliit na...sa 6 months term po lalabas na 2.5% n lng per month lalo na sa 12 months 1.66% n lng. Isang kaltasan lang po kasi ako hindi monthly...kumbaga kakaltasin ko n agad interes then as is na monthly nila divided lang sa terms na gusto nila.

1 Month = 5%
2 Months = 10 %
3 Months = 12%
6 Months = 15%
9 Months = 17.5%
12 Months = 20%

yan lang po...
Title: Re: How to set up a MONEY LENDING business?
Post by: Romel06 on Apr 08, 2017, 10:23 PM
Legal interest in the phil. 6% per year

Favorable interest 3% per month
Suggestion lng po
*If lump sum meaning payable for a period of more than 2mos.
Future value / cummulative
Example (1+3%) times (1+3%) or 1.03 (double tap X, tap equals)
In 2 mos. 1.0609 X principal amount
In 3 mos. 1.092727 X principal amount
And so forth
*if per month 4% to 5% is enough
Title: Re: How to set up a MONEY LENDING business?
Post by: yanots30 on Apr 09, 2017, 02:50 PM
Sir Romel06 pwede po mas pa-elaborate...kahit actual sample na po...halimbawa po 12 months to pay then 40,000 po niloloan niya...then compare po kung 6 months lang same amount na 40,000?

TIA.
Title: Re: How to set up a MONEY LENDING business?
Post by: yanots30 on Apr 09, 2017, 07:33 PM
kapag po kasi ginawa niyo  yung ganyan ibig sabihin lalampas n din po sa 6% interest.

ka-PMT palailai yun pong 4%/month niyo n interest ibig sabihin po kapag 6 months terms nung nanghiram 24% na po interest nun for 6 months...di po ba mas malaki kaysa sa akin?
Title: Re: How to set up a MONEY LENDING business?
Post by: palailai on Apr 10, 2017, 08:32 AM
yanots tama 4%/mo x 6 mos =24% for 6mos...pero ang sa iyo tawag dyan prepaid interest...so konti na lang ma receive ng client mo...sa tingin ko parehas lang kasi advance mo nakuha ang tubo sa amin hindi... 
Title: Re: How to set up a MONEY LENDING business?
Post by: yanots30 on Apr 10, 2017, 07:57 PM
ka-PMT Palailai>>>>>>>ahhh...may other charges pa po ba kayo kinukuha sa client or un na po yung interest? Halimbawa po may hihiram lang ng 3,000 pesos, 120.00 lng po ang mapupunta sa inyo?
Title: Re: How to set up a MONEY LENDING business?
Post by: palailai on Apr 11, 2017, 09:49 AM
yan: wala na kasi sa guards lang namin kami nagpapahiram...parang tulong na din sa kanila at the same time kumikita kami...
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 02, 2017, 04:18 AM
I have a 10% shares with a new company in the Philippines while working abroad and it was started barely 2-1/2 months only .It generates an impressive a gross income of 6.5 million pesos(130K US Dollar) up to now.

I need to be more pro active with this new company to spread out worldwide to stabilize the site to generate more income and looking for a serious taker only for 100k PHP with a monthly guaranteed 5% return to be paid directly to your account for only a minimum 6 month to 1 year only and will return back your principal. Rest assured hindi po scam ito and i will provide you a daily income profits of the company upon agreed on but i will forwarded to you the present cash flow upon discusion and my shareholder contract to proof the legitimacy.

Only 100k lang po ang kailangan ko nothing more nothing less.

Pm me If you are interested.
Title: Re: How to set up a MONEY LENDING business?
Post by: pulubing_palaboy on Jun 02, 2017, 05:54 AM
excuse me for being a skeptic and a party pooper

kung meron kang 10% share ng 6.5 million na kinita, ibig sabihin 650 thousand ang gross mo in less than 2 and a half months.

bakit hahanap ka ng investor for 100 thousand, na bibigyan mo ng interest?
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 02, 2017, 12:08 PM
Gross is different from net income. Ask to blue chips Company Why they shares goes to public and my answer is the same with them. There is a reason why i.e. expansion, capital funding etc etc..
Title: Re: How to set up a MONEY LENDING business?
Post by: jenofstructures on Jun 02, 2017, 02:26 PM
so, papano po kumikita ng 15% ang company in 2.5 months? ano pong klaseng business to?
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 02, 2017, 07:35 PM
jeno PM me if interested.
Title: Re: How to set up a MONEY LENDING business?
Post by: pulubing_palaboy on Jun 02, 2017, 09:07 PM
Gross is different from net income. Ask to blue chips Company Why they shares goes to public and my answer is the same with them. There is a reason why i.e. expansion, capital funding etc etc..

you think i don't know the difference between gross and net? for your information, i'm a US govt certified financial manager.


are you saying that your 650K gross of your 10% share in the company does not generate at least 100K net?



Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 02, 2017, 09:38 PM
refer ka sir sa unang post mo gross kikita ng 10% very clear ang sinabi mo po roon..Out of the topic ka sir di po payabangan dito.
Title: Re: How to set up a MONEY LENDING business?
Post by: pulubing_palaboy on Jun 02, 2017, 09:48 PM
I have a 10% shares with a new company in the Philippines while working abroad and it was started barely 2-1/2 months only .It generates an impressive a gross income of 6.5 million pesos(130K US Dollar) up to now.

I need to be more pro active with this new company to spread out worldwide to stabilize the site to generate more income and looking for a serious taker only for 100k PHP with a monthly guaranteed 5% return to be paid directly to your account for only a minimum 6 month to 1 year only and will return back your principal. Rest assured hindi po scam ito and i will provide you a daily income profits of the company upon agreed on but i will forwarded to you the present cash flow upon discusion and my shareholder contract to proof the legitimacy.

Only 100k lang po ang kailangan ko nothing more nothing less.

Pm me If you are interested.

ikaw ang nagsabi na meron kang 10% share sa isang kumpanya na nag gross ng 6.5 million.

kaya ang 10% share mo sa 6.5 million gross ay 650 thousand gross.

ulitin ko, sa 650 thosand gross, wala pa sa 100 thousand ang net mo?

walang payabangan dito, honest discussion lang.
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 02, 2017, 09:57 PM
Meron payabangan sir refer ka sa ikalawang post mo very clear po ron...be humble sir and never think thatyou are better than anyone else..for dust you are and unto dust you shall return...
Title: Re: How to set up a MONEY LENDING business?
Post by: pulubing_palaboy on Jun 02, 2017, 10:05 PM
^^ sows! ikaw nga nagma maliit ka sa taong di mo kilala. implying that you must be communicating with someone who doesn't know the difference between gross and net. pero, huwag ng ibahin ang usapan; sagutin na ang tanong.
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 02, 2017, 10:14 PM
for your information, i'm a US govt certified financial manager. ano po sa tagalog yan? Nagyayabang payabanagn po Am I correct? Did I mentioned the operating cost on my post?bakit mo po deduct agad ang profit sa gross ng wala pang operating cost? ang tawag po dun greed.kita agad ang sa isip wala pang oeprating cost..
Title: Re: How to set up a MONEY LENDING business?
Post by: pulubing_palaboy on Jun 02, 2017, 10:39 PM
nakuh hindi yabang yan. sinasabi lang sa iyo para huwag ng magpa ikot pa. meron kasing tanong sa iyo, tapos inilihis mo yung usapan sa difference ng gross at net, blue chip companies, at public offering at expansion.

ngayon naman, greed at operating expenses ang sinabi mo.


teka muna, sa 6.5 million na gross income, yun din ang total revenues. ibig mong sabihin, more than 80% ng revenues ay napu punta sa operating expense? ano ba ang total capitalization ng kumpanyang yan?
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 02, 2017, 10:55 PM
eh yan po ang sinasabe ko tira ho kayo ng tira saan ka makakitang gross sale mo eh yun na agad ang profit di nyo muna kinonsider yong operating cost para maging net profit..eh pm mo po ako ng makita mo po ng 2 mata  mo na sa 2-1/2 months palang nag gross agad ng nang 6.5 million. eh malamang pag nakita mo don pulubi na itatawag sayo..
Title: Re: How to set up a MONEY LENDING business?
Post by: pulubing_palaboy on Jun 02, 2017, 11:10 PM
sows! heto para maliwanag ....

6.5 million company income
meron kang 10% share = 650 thousand
nagha hanap ka ng investor for 100 thousand

sa makatuwid wala pa sa 100 thousand ang net profit mo, otherwise ikaw na mismo magda dagdag na investment

kung less than 100 thousand ang profit mo sa 650 thousand na share mo sa income, ibig sabihin ang operatong expense ay more than 80%.

saan dun ang tira ako ng tira?
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 02, 2017, 11:37 PM
ang tawa ko ho sainyo don pulubi hehehe mamomoreblema ang isang kumpanya sa inyo.iawas mo naman ang pang sahod ng kumpanya mo..hauling expenses mo..kung ano ano pang expenses tanong mo sa accountant mo ano gastos at makita mo kita ng kumpanya mo hehehe eto po operating expenses labas na lahat ....3.06Million magkano po dividends ko sa loob ng 2-1/2 months? at mag kano po dividends ko every months sa figure na yan?
Title: Re: How to set up a MONEY LENDING business?
Post by: pulubing_palaboy on Jun 02, 2017, 11:43 PM
kung hindi operating expenses ang salaries and wages, hauling,and other expenses, ano expenses ang natira sa operating expense ng kumpanya ninyo?
Title: Re: How to set up a MONEY LENDING business?
Post by: pulubing_palaboy on Jun 02, 2017, 11:53 PM
liwanagin lang ha; 3.06 million total expenses on a 6.5 million revenue. ibig mo bang sabihin 3.44 million ang profit in 2.5 months?

hindi ba sabi mo meron kang 10% share sa kumpanya? eh di 10% ng 3.44 million sa iyo, that's  344 thousand. bakit ka nagha hanap ng investor for 100 thousand?
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 03, 2017, 12:04 AM
hehehe ayun nadale mo na po don pulubi ang computasyon hehehe..eh sa gusto ko ishare eh di naman ako greedy don pulubi..pm mo ako pag interesado ka po kesa na barya barya lang ineterest sa banko..pader ito don pulubi 2-1/2 months palang..kesa pagawa ka ng apartment mag capital ka ng 1 million kikita ka rinb ng 5k a month while inoofer ko 100k lang capital mo 5k din ang kita mo..pero hindi nalalagpas ng isang taon hanggang doon lang ako..kung gusto mo renew mapag uusapan naten yan .
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 03, 2017, 12:08 AM
pm ka lang don pulubi..idemanda mo ako kahit saang husgado pag iniscam ko ang hard earn money mo hehehe
Title: Re: How to set up a MONEY LENDING business?
Post by: pulubing_palaboy on Jun 03, 2017, 12:14 AM
sorry, hindi ko pag a aksayshan ng panahon ang 5 thousand pesos per month ☺️
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 03, 2017, 12:17 AM
hahaha wag sanang tampo ang pera sayo sa mga sinasabe mo hanggang sa ka apo apohan mo don pulubi hehehe..
Title: Re: How to set up a MONEY LENDING business?
Post by: pulubing_palaboy on Jun 03, 2017, 12:23 AM
salamat, yan din ang wish ko ☺️
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Jun 03, 2017, 01:31 PM
I have a 10% shares with a new company in the Philippines while working abroad and it was started barely 2-1/2 months only .It generates an impressive a gross income of 6.5 million pesos(130K US Dollar) up to now.

I need to be more pro active with this new company to spread out worldwide to stabilize the site to generate more income and looking for a serious taker only for 100k PHP with a monthly guaranteed 5% return to be paid directly to your account for only a minimum 6 month to 1 year only and will return back your principal. Rest assured hindi po scam ito and i will provide you a daily income profits of the company upon agreed on but i will forwarded to you the present cash flow upon discusion and my shareholder contract to proof the legitimacy.

Only 100k lang po ang kailangan ko nothing more nothing less.

Pm me If you are interested.




My initial reaction, what's that smell?
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Jun 03, 2017, 01:35 PM
so, papano po kumikita ng 15% ang company in 2.5 months? ano pong klaseng business to?


I don't think anyone mentioned 15%.
Share daw nya sa company is 10%. Actual value unknown.
Gross income (this can mean anything from gross revenue to net income before tax) daw is 6.5M pesos in 2.5 months.


Investors' equity of that company (daw) is unknown also.
Malay natin 1 Billion pesos business pala sya? Haha
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Jun 03, 2017, 01:46 PM
Hahaha, palit handle na Manong Tatatum.

Huwag nang magkwenta pa.
Kung 10% lang ang share mo sa company bakit ikaw ang naghahanap ng investor?
Ano yan, listed company?

Kung hindi lang ako natawa sa offer mo (so amateur kasi), baka mainsulto na ako. Pero no need na. Blanka ka na kay PP.

Hays, hirap ng buhay ano!?
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 03, 2017, 10:48 PM
Hahaha, palit handle na Manong Tatatum.

Huwag nang magkwenta pa.
Kung 10% lang ang share mo sa company bakit ikaw ang naghahanap ng investor?
Ano yan, listed company?

Kung hindi lang ako natawa sa offer mo (so amateur kasi), baka mainsulto na ako. Pero no need na. Blanka ka na kay PP.

Hays, hirap ng buhay ano!?


Hahaha tagal mo ng tamabay dito di ka pa rin yumayaman hehehe ako isang taon lang mayaman na ako hehehe parang stocks lang yan bibili ka shares kumitang unti benta na..yong offer ko malinaw fix monthly return hehe sa stocks pede kang malugi.. dapat ikaw mag palit ng handle..hamapas lupa ipalit mo nilumot ka na rito puro kontra ka nag dudunung dungan ka hehehe me share ka ba sa isang kumpanya?ako meron 10 percent lintek kung kumita 80k to 130k per day hehehe kitang kita ng 2 mata galaw ng kita heheh..
Title: Re: How to set up a MONEY LENDING business?
Post by: eliG on Jun 03, 2017, 10:52 PM
yap sir wilch23 hirap nang buhay.....sariwa pa balita sa one lighting. ano na kya nangyari sa habla nila?
Title: Re: How to set up a MONEY LENDING business?
Post by: eliG on Jun 03, 2017, 10:57 PM
mga bosing ano na balita sa mga license nyo? wala na update a. heheheh wala na nag papautang?
Title: Re: How to set up a MONEY LENDING business?
Post by: chiz_wiz on Jun 04, 2017, 12:01 AM
boss tatatum.. ano va yun raket mo?
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 04, 2017, 12:15 AM
boss tatatum.. ano va yun raket mo?

hahaha pm ka lang palaman at nang maging hot dog naman paminsan minasan ang palaman mo hehehe..lets talk seriously once na pm mo ako at sasabihin mong anak ng kalabaw daig ko pang me 10 condo na tig 10k na pina uupahan sa dividends ko monthly...10 condos worth 17 million hehehe
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Jun 04, 2017, 05:14 PM
Mang tatatum, ok lang kung mayaman ka na ...
Sana totoo at hindi sa PM lang ...
At huwag naman sa maamoy na paraan ...
Title: Re: How to set up a MONEY LENDING business?
Post by: GoodSteward on Jun 04, 2017, 11:50 PM
Disclosure through pm? kung 1000 naginquire ppm mo 1000times?

Sipag! haha
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 05, 2017, 12:19 AM
hahaha nag labasan ang mga vip.hindi kayo mag kakapera kung advice advice kuno lang kayo rito hehehe sa tagal mo nang tambay rito di mo alam ang kalakaran NDA? Kaya PM PM  lang wlang pilitan yan hehehe sa mga serious taker lang yang offer ko hindi sa mga dunung dunungan dito hehehe
Title: Re: How to set up a MONEY LENDING business?
Post by: GoodSteward on Jun 05, 2017, 12:28 AM
Serious taker kamo? Ill call him/her dumb taker . Ilang dumb taker na? I bet wala pa. lol Good night. Abang abang ka dito, walang masama umasa, who knows, may dumb taker... All the best sayo...
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 05, 2017, 12:57 AM
hahaha nilait mo naman ang mag p pm hehehe agressibong tao lang sila di tulad ng iba jan tambay tamaby dito vip  para sikat advi advice wala rin wenta hehehe tanungin mo kung ano ang achivement sa negosyo waley as in waley advice advice lang capital masabing me alam sa kalakaran ng negosyo hehe..mag bago ka na ng linya para malaman mo tunay na nag nenegosyo heheh..
Title: Re: How to set up a MONEY LENDING business?
Post by: jenofstructures on Jun 05, 2017, 08:27 AM

I don't think anyone mentioned 15%.
Share daw nya sa company is 10%. Actual value unknown.
Gross income (this can mean anything from gross revenue to net income before tax) daw is 6.5M pesos in 2.5 months.


Investors' equity of that company (daw) is unknown also.
Malay natin 1 Billion pesos business pala sya? Haha

I know, pero kung sasabihin mo na tutubo ka nang 5% dapat nasa 15% minimum ang tubo ng company, kasi malulugi sila kung ibibigay nya lahat sayo yung kita nila di ba, mas malaki ang konsumo ng company..... Considering na 2 and a half months, anong business yun? Mas maganda pa to sa NOW!
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Jun 05, 2017, 02:47 PM
Malakas yan racket na yan, baka nga kumita ng 100,000.00 agad basta may mag PM.
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 06, 2017, 05:30 PM
hahah hampas lupa nakita ko na yong dividends ko for the month of MAY 110k tumatae ng ginto itong kumpanya na to hehehe hinde raket ito heheh..Jeno mas maganda pa jan sa NOW na sinasabi mo hehehe..me nag pm sayang di sya seryoso..Ngayun  I closed the door na ilang araw ko lang naman kailangan yan 100k me due payment lang ako sa condo na bayarin hehehe
Title: Re: How to set up a MONEY LENDING business?
Post by: jenofstructures on Jun 07, 2017, 08:12 AM
patay tayo jan..... pambayad pala ng condo.....
Title: Re: How to set up a MONEY LENDING business?
Post by: mismo888 on Jun 07, 2017, 09:58 AM
haba na narating ng thread na to. fist post ko dito 2009 then nagpost ulit ako 2011. tuloy pa rin sa akin yung sideline pautang hehehe. nadagdagan pa ng stock market investment. Good luck mga ka PMT.
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Jun 07, 2017, 03:29 PM
Napaka big time mo talaga, tatatum.

100K lang pang condo payment wa naman, ayos!
Bakit pala sinabi mong capital for investment kuno ang hanap mo?


Sino kaya nadale nito?
Title: Re: How to set up a MONEY LENDING business?
Post by: GoodSteward on Jun 07, 2017, 04:39 PM
hahah hampas lupa nakita ko na yong dividends ko for the month of MAY 110k tumatae ng ginto itong kumpanya na to hehehe hinde raket ito heheh..Jeno mas maganda pa jan sa NOW na sinasabi mo hehehe..me nag pm sayang di sya seryoso..Ngayun  I closed the door na ilang araw ko lang naman kailangan yan 100k me due payment lang ako sa condo na bayarin hehehe

Retreat before the impossible.
Shrink back from difficulties.
Beat a retreat after beating around the bush.
Lol
Title: Re: How to set up a MONEY LENDING business?
Post by: Dodong_Simple on Jun 08, 2017, 08:41 PM
Hahaha.. pambayad lang pala ng amortization ang kailangan...
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Jun 09, 2017, 11:32 AM
Kung totoo nga pang bayad ng utang ...
Galing talaga, umuutang para sa pagbayad ng utang.

Pero pina-ikot pa ng investment kuno.
Hays, hirap ng buhay ...
Pero mas mahirap magscam dito sa PMT, u LOL
Title: Re: How to set up a MONEY LENDING business?
Post by: moneymay23 on Jun 10, 2017, 09:00 PM
Tatatum wag ka na magbakasakali dto at nde mga bobo mga tao dto.
May sira na yta ulo mo or desperado ka na sa buhay kaya nanloloko ka na lang ng tao.
Wag ganyan masama yan nde ka pagpapalain nyan.
Mag banat ng buto nde yun manloloko ka ng mga ka PMT.
Dapat sa yo bina block ng admin ng PMT.

Mga ka PMT, can we just ignore this guy para tumigil na din sya.
Title: Re: How to set up a MONEY LENDING business?
Post by: Bossvic on Jun 11, 2017, 01:07 PM
Bungol lang maniniwala dyan kay tatatum haha
Title: Re: How to set up a MONEY LENDING business?
Post by: pulubing_palaboy on Jun 12, 2017, 09:24 PM
try niyang pa ikutin ako
nung sinabi kong certified financial manager ako, yabang daw ako

tapos siya nagyabang na kumikita siya ng parang may sampung condo
eh kahit kumita siya ng mahigit 300 thousand in two and a half months
ibig sabihin pipitsuging condo yung basehan niya

kahuli hulihan ni wala pala siyang pambayad sa condo niya; gusto lang palang mang utang!  bweheheh
Title: Re: How to set up a MONEY LENDING business?
Post by: cruzmervin217 on Jun 13, 2017, 06:49 PM
naiintriga ako sa proseso ng 5-6 and considered ba ito as something legal?
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 16, 2017, 01:38 AM
hahaha nag labasan ang mga guru. gurang na dito advice advice lang kuno hehehe.300k a month ang salary ko..wanna proved it pm mo email mo at malaman naten sino nag guguruan lang dito hahaha..at pm ko rin sayo araw arw kita ng kita pm nyo lang email nyo for free viewing lang hahaha.try nyo mga guru pm nyo email nyo at sasabihin nyo baul ng pera talaga ang sinasabi ko hahaha try it mgaa guru walang mawalwala pm nyo lang ako at emil add nyo at baka kainin nyo mga guru ang sinasabe nyo rito hahaha..
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Jun 16, 2017, 08:00 AM
Uy, buhay pa, hahhaa!
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 16, 2017, 12:04 PM
Uy, buhay pa, hahhaa!

hahaha tingnan mo payslip mo kung buhay ka pa hahaha..ako hanggat me langis ang aramco buhay na buhay ako hahaha. Di ko naman pede ibenta share ko sayo baka di mo kayanin ang buyout ng 80k per 1 %. hanggang advice avice kuno ka na lang dito para tingin sikat pag vip ka na di ka mag kakapera sa pag vip mo irto haha mag hanap ka ng ibang pag kakakitaan hehehe
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 16, 2017, 01:57 PM
try niyang pa ikutin ako
nung sinabi kong certified financial manager ako, yabang daw ako

tapos siya nagyabang na kumikita siya ng parang may sampung condo
eh kahit kumita siya ng mahigit 300 thousand in two and a half months
ibig sabihin pipitsuging condo yung basehan niya

kahuli hulihan ni wala pala siyang pambayad sa condo niya; gusto lang palang mang utang!  bweheheh
hahaha basahin mo ang sinulat mo tatang nakaraan..ang linaw US certified finacial manager hehe eh di nag yayabang ka ano ba ibig sabihin nun hahaha ang usapan dito money talk di payabangan hahaha
Title: Re: How to set up a MONEY LENDING business?
Post by: jenofstructures on Jun 16, 2017, 02:02 PM
Sir sorry, oil and gas din ako, kagaya ng ilan sa mga members dito sa PMT.... pero wala pa akong nakilala/nakausap na kagaya mo na napaka comprehensive ng language ang ginagamit sa field na to....
Wag ka sana magtampo kung may magtatanong sayo regarding sa sinasabi mo, natural lang na marami magtatanong sayo.... sa dami ba naman ng naligaw dito na scammers. Ipaliwanag mo na lang sana ng mabuti yung side mo at sagutin ng maayos. Malay mo mas marami kang ma-scam, este mahatak dito....

I remember Rose Baladjay..... ang husay magsalita non pero scammer pala hehehehe
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 16, 2017, 02:10 PM
Sir sorry, oil and gas din ako, kagaya ng ilan sa mga members dito sa PMT.... pero wala pa akong nakilala/nakausap na kagaya mo na napaka comprehensive ng language ang ginagamit sa field na to....
Wag ka sana magtampo kung may magtatanong sayo regarding sa sinasabi mo, natural lang na marami magtatanong sayo.... sa dami ba naman ng naligaw dito na scammers. Ipaliwanag mo na lang sana ng mabuti yung side mo at sagutin ng maayos. Malay mo mas marami kang ma-scam, este mahatak dito....
I remember Rose Baladjay..... ang husay magsalita non pero scammer pala hehehehe


Jeno hindi nila malalaman kung hindi mag pm puro birada agad ang inatupag gawa mga duwag mag pm hehehe simple lang naman mag pm with email address at in details explanations malalaman nila yung sinasabi ko.ganun lang ka simple eh bakit mga foul pa mag sinusulat ng kabayan naten dito?money talk nga itong site bakit me foul words?hehehe
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 16, 2017, 02:17 PM
Kung totoo nga pang bayad ng utang ...
Galing talaga, umuutang para sa pagbayad ng utang.

Pero pina-ikot pa ng investment kuno.
Hays, hirap ng buhay ...
Pero mas mahirap magscam dito sa PMT, u LOL

eto dapat blocked hahaha against sa policy dito nyang sinabe mong ulol hahaha paki ckeck moderator kung acceptable mag salita rito ng ULOL hehehe
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 16, 2017, 02:32 PM
jeno sa tingin ko ikaw ang right person tutal parehas tayong nasa PMT..pm mo email add mo.
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Jun 16, 2017, 04:46 PM
Uy, buhay pa, hahhaa!

hahaha tingnan mo payslip mo kung buhay ka pa hahaha..ako hanggat me langis ang aramco buhay na buhay ako hahaha. Di ko naman pede ibenta share ko sayo baka di mo kayanin ang buyout ng 80k per 1 %. hanggang advice avice kuno ka na lang dito para tingin sikat pag vip ka na di ka mag kakapera sa pag vip mo irto haha mag hanap ka ng ibang pag kakakitaan hehehe

Oo nga, hindi kaya ng pay slip ko.
Pero pay slip ng mga empleyado ko sobra sobra na.
Wala kasi akong pay slip, ungas.
Ako ang nagpapasahod.
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Jun 16, 2017, 04:49 PM
Hindi mo ma scam si Maam Jen.
Title: Re: How to set up a MONEY LENDING business?
Post by: tatatum on Jun 16, 2017, 07:46 PM
hahaha pakita ka ng pruweba wilch. money talk dito hindi ungas yong sinasabi ng bibig mo hahaha moderator acceptable words ba yan dito hahaha..
Title: Re: How to set up a MONEY LENDING business?
Post by: wilch23 on Jun 17, 2017, 10:14 AM
I don't need to prove anything to you.
I'm not the one trying to scam anyone here ... that's obvious to all of us.


Chow, good luck nalang sa mga victims mo.
Title: Re: How to set up a MONEY LENDING business?
Post by: GoodSteward on Jun 17, 2017, 02:16 PM
hahaha pakita ka ng pruweba wilch. money talk dito hindi ungas yong sinasabi ng bibig mo hahaha moderator acceptable words ba yan dito hahaha..

Ikaw magpakita ng pruweba kasi ikaw yun nag aalok.

Money talk pero ikaw all talk.

Pa pm pm pa, why not ipost yun requirement dito.

Ang dahilan mo serious takers lang.

Kung magpm serious takers na sayo.... Tingnan mo nga naman takbo ng logic mo.

May bagong produkto lalabas ang unileaver. Pm mo at alamin mo kung anong product yun. Serious buyer only. Lolololol
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Jun 22, 2017, 01:05 PM
mga masters kumusta operations natin?
Title: Re: How to set up a MONEY LENDING business?
Post by: ardytenorio on Jun 26, 2017, 10:25 PM
Back to the main topic...

May nag-open po ba ng pawnshop dito to cover yung lending business?

Kumusta na kaya operation nung mga nag-register na ng Lending business nilan
Title: Re: How to set up a MONEY LENDING business?
Post by: rtiangco on Jul 02, 2017, 10:47 PM
hi.... musta na mga master lenders? asan na si tatanum? balak ko nga din mag tayo muna ng pawnshop... di pa din kami registered.. pero yung kita namin now e makakabuhay na din ng pamilya.. sana lang maabutan or malagpasan ko ang income ni tatanum... gusto ko din maging bigtime kagaya nya...
Title: Re: How to set up a MONEY LENDING business?
Post by: gogoypmt on Jul 07, 2017, 09:01 AM
Ano na nangyare sa Forum na ito? Bakit kumakalat na mga naghahanap ng uutangan o nagpapautang.. Ang discussion dito dati puro share ng experience at tips or advise. Tapos malinaw na wag papansinin mga mangungutang.
Title: Re: How to set up a MONEY LENDING business?
Post by: businessmind on Jul 12, 2017, 12:31 PM



My initial reaction, what's that smell?
hahahaha parang....if youuuuuuuuuu smeeeeeeeeeeeel what tatatum...isssssssss cookin' !!!
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Jul 12, 2017, 01:14 PM
Musta mga Lenders akala ko wala na yung topic na to!
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Jul 16, 2017, 10:29 PM
mga idol asan na kayo musta na, 5/6 pa rin ba o may permit na?
Title: Re: How to set up a MONEY LENDING business?
Post by: SiPoorMan on Jul 28, 2017, 06:31 PM
May napanood ako sa TV patrol, yung isang lender, pinatay nang client niya na may malaking utang.  Common ba to?

somewhere in bulacan napanood ko early of 2017.. si kapitan pinatay ung pinagkakautangan  nyaat kasama nito driver, sinunog at ibiniaon sa kanyang pagmamayari lupa. si kapitan nadiskubre na meron milyon milyon utang sa biktima ayun sa panayam sa pamilya ng biktima.. 
Title: Re: How to set up a MONEY LENDING business?
Post by: nightwatch on Aug 09, 2017, 07:42 PM
Redennn...., ikaw na ba yannnn :rofl: :rofl: :rofl:
Title: Re: How to set up a MONEY LENDING business?
Post by: Labguroo on Aug 09, 2017, 07:46 PM
Ahays nagpapautang po ako kapalit atm, and to the exlusive company lang po na kini cater ko simula nung mag start ako ng business kasi po kilala na kami dun and takot po ako matakasan haha.. Pm lang po sa gustong maki sosyo.. 15% po interest ang  bigay ko sa investor.
Title: Re: How to set up a MONEY LENDING business?
Post by: Labguroo on Aug 12, 2017, 10:47 PM
Pm sent po.
Title: Re: How to set up a MONEY LENDING business?
Post by: Cake84 on Aug 16, 2017, 11:52 PM
mayron po bang magpahiram at sino po bang lalapitan..need your help..thanks
Title: Re: How to set up a MONEY LENDING business?
Post by: reygg on Aug 31, 2017, 03:12 PM
any tips on the following:
1. sino usual na pinapautang nyo;
2. ano collaterals na kinukuha nyo while the person is in debt to you (i.e. atm? etc.);
3. interest rates for both owner and investor;
4. tips on collections.

Thanks in advance.
Title: Re: How to set up a MONEY LENDING business?
Post by: Ellamendoza on Sep 20, 2017, 03:16 PM
any tips on the following:
1. sino usual na pinapautang nyo;
2. ano collaterals na kinukuha nyo while the person is in debt to you (i.e. atm? etc.);
3. interest rates for both owner and investor;
4. tips on collections.

Thanks in advance.

I cant PM you po sir/maam reygg. full daw po inbox mo
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Sep 23, 2017, 03:37 PM
Nawala na mga masters dito. wala ng nagbibigay ng input. May nahuli na bang nag pa 5/6 parang wala naman ang alam ko marami lang and di nagbayad!
Title: Re: How to set up a MONEY LENDING business?
Post by: SiPoorMan on Sep 25, 2017, 10:01 PM
Quote
Kala ko wala na ganitong business dahil sa baba ng interest rates. Or hindi lang aware ung mga borrowers or wala silang ibang access sa loan, kaya kahit 5-6% okay na.

 Wala po ata access sa loan sa mga banko dahil sa dami ng requirment na kailangan.
Title: Re: How to set up a MONEY LENDING business?
Post by: reygg on Sep 27, 2017, 09:47 AM
pls pm me the details @Labguroo. Thanks.
Title: Re: How to set up a MONEY LENDING business?
Post by: ssschix on Sep 30, 2017, 04:03 PM
mas delikado yung hinde nag bayad kaysa huli. mas malaki pa lugi.

Title: Re: How to set up a MONEY LENDING business?
Post by: marisol on Oct 02, 2017, 04:39 PM
Hi,

Sir paano po yung nagpapautang na walang agreement? Verbal lang na magbabayad weekly/bimonthly but signed that the certain amount was received? Paano po ito hahabolin, yung nangungutang na lagi na lang nagpapaasa at lumaki na ng lumaki ang interest. Not even paying any amount on the month promised to pay. Pag dinala ba ang complain na ito sa court, mag ri-require ba ang court ng any legality or documents showing yung pagpapautang ko ay legit? Salamat po.
Title: Re: How to set up a MONEY LENDING business?
Post by: myogi on Oct 19, 2017, 04:08 AM
Nawala na mga masters dito. wala ng nagbibigay ng input. May nahuli na bang nag pa 5/6 parang wala naman ang alam ko marami lang and di nagbayad!


Lahat ng mga master lenders busy, nag papayaman lalo. Lol. Saan city ang area of operations mo @jesdgreat? 
Title: Re: How to set up a MONEY LENDING business?
Post by: juberbay on Nov 02, 2017, 08:16 PM
Hello!

Magkano po usually ang starting capital ng isang pautangan, say, an ATM lending business?
Reasonable na ba ang Maximum 5 months to pay (10 payments sa 15/30 na sweldo/cut-off) @ 3.5% interest per cut off?

Meron kasing kilalang pautangan sa Sta. Rosa, super established na siya. Halos lahat ng taga-Laguna Technopark, PNPA, SAF, and Convergys ay sa kanya humihiram @ 2.8-3.5% interest rate. Nakakaenganyong sumabak sa ganitong business.
Title: Re: How to set up a MONEY LENDING business?
Post by: MarleneBB on Nov 03, 2017, 12:34 PM
Matanong lang kung meron po ba nagpapahiram dito ng pera ng long term. Say 12 months at Kahit weekly ang bayaran. Need ko lang to fund a business for next week activity. Thanks



Title: Re: How to set up a MONEY LENDING business?
Post by: rtiangco on Nov 04, 2017, 03:24 AM
musta dito? tagal ko di nakapag post... yung naghahanap ng investor jan at offer is 15%... di ka ba lugi jan sir, ang laki masyado ng bigay mo sa investor mo? magkano mo ipapasa yan sa borrowers mo?

UPDATE SA LENDING BUSINESS NAMIN..
di pa din kami registered.. pero nakapag branch out na kami sa sampaloc manila... new payment scheme.. mas gusto ng borrower maliit hulog daily tas malaki release,, so ginawa namin 100days to pay na,, sa 10k 122 per day mon to sat,,, so lalabas na 85days na hulugan yan... walang doble ng monday.. madami kasi kami client na naging delingkwente na smin pero sa ibang lending tuloy tuloy ang bayad nila.. sana may mag share dito na working sa mga established na lending.. like ADVANCE, KASAPI, FUNDLINE at iba pa, para makapag bigay ng tips.. saka nag venture ako sa sangla ATM,, grabe lugi ako.. nasa 400k ata delingkwente ko,, meron ba dito may koneksyon sa Company HR na pwede natin gawing kasangga para macontrol ang delinquency rate.. ????? sana meron... pm nyo lang ako ,,,
Title: Re: How to set up a MONEY LENDING business?
Post by: rtiangco on Nov 04, 2017, 03:33 AM
Hello!

Magkano po usually ang starting capital ng isang pautangan, say, an ATM lending business?
Reasonable na ba ang Maximum 5 months to pay (10 payments sa 15/30 na sweldo/cut-off) @ 3.5% interest per cut off?

Meron kasing kilalang pautangan sa Sta. Rosa, super established na siya. Halos lahat ng taga-Laguna Technopark, PNPA, SAF, and Convergys ay sa kanya humihiram @ 2.8-3.5% interest rate. Nakakaenganyong sumabak sa ganitong business.
pano ba computation mo dito? if 10k hihiramin? magkano hulog per cut off? sorry medyo info overload na ako,, galing ako smx sme bus expo kanina lang,... ano ba to diminishing balance?
try ko lang compute sa 10k diminishing
10000 principal * 3.5% = 10350
less payment 1350 = 9000
9315 - payment... teka dapat ata fix per cut off ang hulog tas diminishing,, pano po ba yung sa inyo? sa starting capital naman,, start small... master the business first,, pag master kana saka ka mag source out ng capital
Title: Re: How to set up a MONEY LENDING business?
Post by: Axel on Nov 04, 2017, 10:40 PM
Kamusta mga Sir? Kamusta Lending ntin dyan? Ako ok naman so far hirap lng mag pa lago at malayu pansa target ko na 20k per day :( Di din kasi ako bsta bsta nag bibigay meron na iilan na tumakbo pero maliit lng and I guess di ma iiwasan un, Meron naman makakpal muka pag dumadating na ako nagtatago na hahaha..Kayu kamusta mga sir/mam?


Hi po 1st time ko po in this forum, ask ko lang po regarding sa pa utang. Coz im planning na mag pa utang sa co worker ko po ng 50k w/ int of 6% and colateral is yong payrol atm  . Ano po ba dapat na magandang aggrement and may contract pa dapat? Pwde hingi po ng sample? Tnx po
Title: Re: How to set up a MONEY LENDING business?
Post by: Axel on Nov 04, 2017, 10:42 PM
Hi po 1st time ko po in this forum, ask ko lang po regarding sa pa utang. Coz im planning na mag pa utang sa co worker ko po ng 50k w/ int of 6% and colateral is yong payrol atm  . Ano po ba dapat na magandang aggrement and may contract pa dapat? Pwde hingi po ng sample? Tnx po
Title: Re: How to set up a MONEY LENDING business?
Post by: part_timer_lang on Nov 05, 2017, 11:19 AM
^ Gaano nya katagal babayaran? Monthly ba ang 6% or para sa whole duration ng pagbabayad?

If hindi mo masyadong kilala ang co worker mo, delikado ang payroll ATM. Pwede kasing ideclare yan sa bangko na nawala at papalitan na lang, wala ka ng magiging habol.  :welcome:
Title: Re: How to set up a MONEY LENDING business?
Post by: juberbay on Nov 05, 2017, 09:40 PM
pano ba computation mo dito? if 10k hihiramin? magkano hulog per cut off? sorry medyo info overload na ako,, galing ako smx sme bus expo kanina lang,... ano ba to diminishing balance?
try ko lang compute sa 10k diminishing
10000 principal * 3.5% = 10350
less payment 1350 = 9000
9315 - payment... teka dapat ata fix per cut off ang hulog tas diminishing,, pano po ba yung sa inyo? sa starting capital naman,, start small... master the business first,, pag master kana saka ka mag source out ng capital

With regards to calculation na ginagawa dun sa pautangan sa Sta. Rosa:
Loan of PhP20,000 @ max. 5 months to pay
given the day after confirmed yung ATM and ung Employment c/o HR ng company
3.5% per 15/30 na sweldo = 7000 pesos per cut off
PhP20,000 / 5 months = 10 na hulog (15th/30th) @ PhP2000/month
PhP2000 + 3.5% interest = PhP2700 per cut off = Total of PhP27000 po in 10 months

kapag maganda ang payment standing mo sa nagpapautang, binababaan na niya ang interest rate.

Ayun po...
Title: Re: How to set up a MONEY LENDING business?
Post by: rtiangco on Nov 13, 2017, 12:12 AM
medyo naguluhan ako sir, 27000 in 5mos ang total na hulog? labas nito 7% per month, pwede na din... ok din yung payment scheme mo,, musta naman delinquency? may kontak ka ba sa HR nila?
Title: Re: How to set up a MONEY LENDING business?
Post by: juberbay on Nov 14, 2017, 12:32 AM
medyo naguluhan ako sir, 27000 in 5mos ang total na hulog? labas nito 7% per month, pwede na din... ok din yung payment scheme mo,, musta naman delinquency? may kontak ka ba sa HR nila?

Naku po, hindi po sa akin yan. Gagayahin ko lang po dun sa established na pautangan sa Sta. Rosa. So far, more than a decade na po siya na ganun ang scheme. Ang kwento nga nya pati titulo ng lupa tinanggap niya pero malaki na din ang perang nawala sa kanya. Ngayon, full time ang pautangan nya, Mon-Sat 8AM-8PM, and yes, kahit mga HR officers ng mga  malalaking companies sa kanya din lumalapit, kaya madali din siya maningil lalu na sa mga taga LTI, Toyota and CVG. Ang laki na din ng improvement sa lifestyle nya, pero natulong pa din sa kapwa. Sabi din nya may allotted money din siya sa mga talagang walang pambayad at sa kanya natakbo. Sabi ko nga sana tumakbo siya sa pulitika lol  :D
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Nov 14, 2017, 07:58 PM
Lahat ng mga master lenders busy, nag papayaman lalo. Lol. Saan city ang area of operations mo @jesdgreat? 


Navotas area ko
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Nov 14, 2017, 08:00 PM
mas delikado yung hinde nag bayad kaysa huli. mas malaki pa lugi.



Dinadanas ko ngayon yan nag file ako ng syndicated estafa sa court kc yung 5 kung collector magkakasabwat pala puro dummy loan ginawa.
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Nov 14, 2017, 08:06 PM
musta dito? tagal ko di nakapag post...  saka nag venture ako sa sangla ATM,, grabe lugi ako.. nasa 400k ata delingkwente ko,, 

       Tagal na nga bos tiangco buti nadalaw ka dito yung ibang masters kaya asan na dati araw-araw may post dito. gusto ko n nga rin mag give-up kung kelan register lending nko tsaka ko pa natuklasan na niloloko lang pala ako ng 5 kung collector. Ayun nag file ako ng syndicated estafa sa court. 3M yung nadali sa akin
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Nov 14, 2017, 08:17 PM
Hi,

Sir paano po yung nagpapautang na walang agreement? Verbal lang na magbabayad weekly/bimonthly but signed that the certain amount was received? Paano po ito hahabolin, yung nangungutang na lagi na lang nagpapaasa at lumaki na ng lumaki ang interest. Not even paying any amount on the month promised to pay. Pag dinala ba ang complain na ito sa court, mag ri-require ba ang court ng any legality or documents showing yung pagpapautang ko ay legit? Salamat po.

       Relate ako jan sa sitwasyon mo hirap singilin pag siningil mo sila pa galit.. nakaka stress yan pa tsek kna ng bp mo hehehe. Sa court di rin tatayo yan kc verbal lang puro dokumento ang korte. Ganito gawin mo ipa barangay mo muna kc di naghahanap ng dokumento dun. Pwede mo ilagay kung magkano plus interest dun, sasagot naman siya sa lupon. Kaya yung halagang sinisingil mo sa kaniya di na magiging verbal kc nakalagay na sa certificate to file action yun. then dagdag ka nlang kung sino pwede witness nung time na umutang siya maybe yung guarantor niya kc di mo naman pauutangin yan kung walang bumuyo o nagpakilala sau. baka may magdagdag pa ng ibang mga input jan lalo na yung mga masters..
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Nov 14, 2017, 08:21 PM
Hi po 1st time ko po in this forum, ask ko lang po regarding sa pa utang. Coz im planning na mag pa utang sa co worker ko po ng 50k w/ int of 6% and colateral is yong payrol atm  . Ano po ba dapat na magandang aggrement and may contract pa dapat? Pwde hingi po ng sample? Tnx po

       Co-worker mo naman pala cguro pede mo ng pagtiwalaan. papirmahin mo lang ng promissory note at witness mga co-worker mo din.
Title: Re: How to set up a MONEY LENDING business?
Post by: jenofstructures on Nov 15, 2017, 07:44 AM
mahirap yang payroll atm. Just to remind you lang, dali lang magtransfer ng fund
Title: Re: How to set up a MONEY LENDING business?
Post by: GomerMagtibay on Nov 15, 2017, 07:36 PM
Anong ginangawa ninyo sa mga delinquent para hindi sila gayahin?  EJK?

Hahaha natawa naman ako dito. EJK. Wag naman po, kawawa naman.
Title: Re: How to set up a MONEY LENDING business?
Post by: jesdgreat on Nov 18, 2017, 09:48 AM
Hahaha natawa naman ako dito. EJK. Wag naman po, kawawa naman.

Hahaha yan yung kasagsagan ng ejk d2 sa forum. Masaya dati d2 daily ang posting, asan na kaya sila baka na ejk na rin!
Title: Re: How to set up a MONEY LENDING business?
Post by: ardytenorio on Nov 24, 2017, 06:52 PM
@axel sir tip lang

wag mo ipahiram sa isang tao lang, mas magandang maraming tao kahit liit liit lang para less chance malasin.

Tignan mo capacity to pay nya, wag mong paganahin emosyon mo.
Title: Re: How to set up a MONEY LENDING business?
Post by: rtiangco on Nov 25, 2017, 06:01 PM
saklap naman nun, conspiracy ng 5 collectors, wala ka ba roving collector or admin? at incharge sa CI at BI? dapat may main man ka talaga na trusted..nadali din kami ng isang collectors, dummy accounts, tapos mga di na remit collections.. saka mga di nirelease sa clients, kaya minsan mas ok na check ang pang release or sa office ang releasing.. pano na operations mo? may new set of collectors ka na? ilang percent ng revolving capital mo ang nadali?
Title: Re: How to set up a MONEY LENDING business?
Post by: annb24 on Nov 25, 2017, 07:51 PM
Hi po. Sino po pwede lapitan dito. Na -scam po kasi ako kaya need ko po ng mahihiraman. Thank you.
Title: Re: How to set up a MONEY LENDING business?
Post by: eliG on Nov 25, 2017, 09:36 PM
sir jes laki nang nadale sa iyo a. akin tinigil ko na, binary trading nalang ako. 
Title: Re: How to set up a MONEY LENDING business?
Post by: ardytenorio on Nov 28, 2017, 07:02 PM
Mahirap talaga ipagkatiwala ang ganitong business sa iba.

Ang pera nakakasilaw, madaming natutukso. Doble ingat na lang.

Share pa ng tips at experience para sa kaalaman ng lahat
Title: Re: How to set up a MONEY LENDING business?
Post by: guile42 on Dec 07, 2017, 04:23 PM
HI Guyz, you know its a risk kapag nagpautang and the risk is high kapag malaki ang amount. Kung hindi nasunod ang usapan or any legal terms at kung sakaling hindi nag rereach out ang borrower, try to set a meeting. Walang hindi nasosolve sa maayos na usapan, you can ask for any collateral or sangla to you until they pay full or to take a material from them until amount completed its up to you to add penalties, pero as a nice way para hindi ka maabala try to get something, like their car or any that cost. I think it will save your time and worries and mostly borrowers peace of mind.
Title: Re: How to set up a MONEY LENDING business?
Post by: ardytenorio on Dec 10, 2017, 06:36 PM
 :applause: sana nga ganito kadali, pero in real world may tao na sila pa ang galit kapag sinisingil. kahit puhunan na lang kinukuha mo, ikaw pa ang masama.

ibat ibang klase makikilala mo sa ganitong negosyo kaya good luck.
Title: Re: How to set up a MONEY LENDING business?
Post by: Edgardo T Tipa on Dec 28, 2017, 05:53 AM
To have a successful lending business. 1. You must be registered with the SEC. 2. Attend our seminar on how to set-up lending business. 3. We have training on credit and collecions. 4. We have lending software so that your accounting system will be uptodate as this one of the most important factors to have success in lending bizness. Please contact us at edttipa2001@yahoo.com 09279077879 for any problems you might have re your lending business.
Title: Re: How to set up a MONEY LENDING business?
Post by: piggy on Jan 07, 2018, 05:37 PM
I am starting as investors do i have any assurance for my capital back if anycase happen?
Title: Re: How to set up a MONEY LENDING business?
Post by: spirit18 on Feb 17, 2018, 01:18 PM
mga master, hingi lang po ng idea. May nagpregister na po ba dito ng kanilang lending business(Atm Lending). Magkano po inabot na gastos?
Title: Re: How to set up a MONEY LENDING business?
Post by: ardytenorio on Feb 19, 2018, 04:05 PM
sir spirit18 alam ko may member na dito na nagparegister ng lending nya. try mong magbackread.

good luck sa negosyo mo
Title: Re: How to set up a MONEY LENDING business?
Post by: SiPoorMan on Apr 14, 2018, 07:16 PM
May napanood ako sa TV patrol, yung isang lender, pinatay nang client niya na may malaking utang.  Common ba to?

 Very common napapanood ko sa balita, meron pa nga ako napanood sa News kapitan ng barangay binaon ung lender at driver nya sa sarili nya farm.. dilikado eto ganito business.. pati na din borrower if hindi magbayad..
Title: Re: How to set up a MONEY LENDING business?
Post by: bbjc0128 on Jun 08, 2018, 07:30 PM
Hi. New here sa forum. Balak ko kasi magpa lending pero small time lang. ano po maipapayo nyo na sistema? Ayoko ng 5-6. Ano po ang ok na % interest rate? 8%, 6%?
Title: Re: How to set up a MONEY LENDING business?
Post by: Charlenetolentino on Jun 23, 2018, 01:01 AM
Hello po mag ask lng ako kung pano po ba process NG five six 5.6 pano ang tubuan ang and assurance tnx po
Title: Re: How to set up a MONEY LENDING business?
Post by: francesdeniel on Jun 26, 2018, 10:08 PM
8% is okay  :cool2:
Title: Re: How to set up a MONEY LENDING business?
Post by: jingjing09 on Jul 30, 2018, 07:02 PM
hello po? magkano po ang pwede maging puhunan sa lending business?
Title: Re: How to set up a MONEY LENDING business?
Post by: myalex888 on Dec 14, 2018, 03:32 PM
Anyone interested to invest in an existing lending company just PM me. The company is around for more than 7 years already and is licensed with SEC .
Title: Re: How to set up a MONEY LENDING business?
Post by: jay03 on Feb 27, 2019, 10:17 AM
Gusto ko rin sana mag put up ng online lending company like this , but have no idea:
https://mymoneyfesto.wordpress.com/2019/02/24/the-best-online-peer-to-peer-lending-companies-in-the-philippines/ (https://mymoneyfesto.wordpress.com/2019/02/24/the-best-online-peer-to-peer-lending-companies-in-the-philippines/)
Title: Re: How to set up a MONEY LENDING business?
Post by: isorpoyl on Sep 26, 2019, 10:32 AM
Hi guys! You might be interested with my simple excel file that will help your pautang business. This file is tailored for my pautang business but if you want a modified version, let's talk.

Basically, you just need to input how much your client is going to borrow and your agreed interest rate. It will then show you how much the client will have to pay (shaded in orange) as well as the total payment in 6 options. BTW, I employ a diminishing interest rate in this scenario.

Feel free to ask me questions.

(https://i.postimg.cc/xT9f5SVZ/sampleloancalc3.jpg)

(https://i.postimg.cc/C5zZxTMJ/sampleloancalc2.jpg)

If you wish to have this, I can share it to you for a minimal price.
Title: Re: How to set up a MONEY LENDING business?
Post by: NiganKhan on Oct 06, 2019, 06:46 AM
Hello everyone,,
saklap naman nun, conspiracy ng 5 collectors, wala ka ba roving collector or admin? at incharge sa CI at BI? dapat may main man ka talaga na trusted..nadali din kami ng isang collectors, dummy accounts, tapos mga di na remit collections.. saka mga di nirelease sa clients, kaya minsan mas ok na check ang pang release or sa office ang releasing.. pano na operations mo? may new set of collectors ka na? ilang percent ng revolving capital mo ang nadali?
Title: How to set up a MONEY LENDING business
Post by: AuroraJeoms on Nov 04, 2019, 02:30 PM
Its been a dream of mine to open up a little coffee shop. I dont have much money, just a creative mind. I know I wont make millions but I am sure I will make money off of it. How does one start a small business with no money? Where can I get help starting?