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How to set up a MONEY LENDING business?

jj23santos · 232 · 16787

jj23santos

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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?


2. How to set up a MONEY LENDING business?


3. Saan pwedeng MANGUTANG? Sinong gustong magpa-UTANG?



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.
« Last Edit: Oct 30, 2018, 04:49 PM by FutureGizmo »


BrainDamage

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Marami dito sa amin yan, karaniwan bumbay...
Madalas din sa una lang maganda magbayad, pagnakarenew na pahirapan
na singilin.


john_vito287

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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.


ardytenorio

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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


rtiangco

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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


ssschix

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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.


rtiangco

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so sayo sir 150 per day 40days inclusive of sat and sunday?








/


jesdgreat

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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


ssschix

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so sayo sir 150 per day 40days inclusive of sat and sunday?


yup kasama sabado lingo wala lang pag holiday








/


rtiangco

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samin 150 per day mon to fri lng, tas 40 hulog pahinga sat n sun


george88

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ssschix

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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.


ssschix

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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


jesdgreat

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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.


ssschix

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          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?


rtiangco

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@jesdgreat gaano ba kadugo pagkuha talaga nyan? alam ko madali lang e, parang wala 1month nag ka license ka na ah?



SarahBrs

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wilch23

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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?


kobabear

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mag ingat kau, may bagong pagkakaperahan ang kapulisan. may mga bombay na nabiktima


ssschix

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mag ingat kau, may bagong pagkakaperahan ang kapulisan. may mga bombay na nabiktima

anong area na biktima ang bumbay?


jesdgreat

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wow congrats magkano lahat gastos?


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


jesdgreat

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@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.


jesdgreat

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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!


jesdgreat

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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?


ssschix

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

sa BIR may babayaran pa ba?


eliG

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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.


ardytenorio

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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?


jesdgreat

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jesdgreat

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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.


ardytenorio

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       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


george88

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gagawin ko legal ang lending business ko pwede ko kaya sya iregister as BMBE since maliit pa lang start ko


ssschix

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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


george88

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ssschix

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Barangay Micro Business Enterprise


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


ardytenorio

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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


ssschix

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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.


rtiangco

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wilch23

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

Takaw sa pera ... ?


wilch23

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ssschix

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Ang masama dyan, pahirapan pa para makabayad.


papahirapan ka tapos mag suggest sila paano ma pa dali ang proseso sabay kindat hehe


jesdgreat

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@jesdgreat musta lakad nyo sa bir?

       wala pa bir. Business permit muna. hiningan ako ng 16,500.


ardytenorio

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rapido

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wag muna i register, maging private lender ka nalang
just do the due diligence :hihi:


jesdgreat

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Sa mga permit pa lang mauubos yata 200k

       Di naman budget ka 100k kung ikaw maglalakad. Pero pag sa tao alam na...


wilch23

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If you think ARAY ang registration, wait till you start operation ... katakot-takot na filing monthly pati bayaran ...


Zilch

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WTF grabe nmn registration ang mahal

parang construction permits s LGU kung humingi wagas


ssschix

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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?


wilch23

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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.


ssschix

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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.


eliG

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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.


eliG

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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.


eliG

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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.


wilch23

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rtiangco

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madugo pala to, di mag sink in mga nababasa ko sa utak ko, hehehe


Thomas

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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.)


wilch23

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jesdgreat

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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.


jesdgreat

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       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.


ssschix

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       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


wilch23

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jesdgreat

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Need to do TOKHANG!

       Di pwede kc kapitbahay lang pag binurol sa tabi lang rin.


ssschix

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       Di pwede kc kapitbahay lang pag binurol sa tabi lang rin.

kinasuhan mo na ba?


Thomas

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pink

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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.


rtiangco

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       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?


jesdgreat

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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?


jesdgreat

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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.


jesdgreat

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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.


ssschix

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mga masters kumusta na operations? sa akin ok pa rin demand kaso medyo palamig ako naapektuhan capital ko nang may nagkasakit sa amin.


 


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  • Ace1105: Hello sa lahat...  :hello:
    Feb 07, 2020, 09:46 AM
  • FREYAHYARA: Anyone knows where Ig shops like styledom.ph, thriftme, instashoppeavenu and the likes get their items for selling. Would like to venture in the same business but would like to know where and who the suppliers are
    Jan 28, 2020, 09:38 PM
  • Niel Jhacoubs: To bpc85 kung nakalagay ang inyong names sa beneficiary list ng iyong ama kay may makukuha po kayo.
    Nov 28, 2019, 02:18 PM
  • Niel Jhacoubs: Hellooooo, its been a while. :)
    Nov 28, 2019, 02:16 PM
  • miakashidou31: hi , meron po ba ditong nagta transfer sa paypal?
    Nov 05, 2019, 01:46 PM
  • whennedy: good noon po
    Oct 18, 2019, 12:04 PM
  • edzlpdac: goood day po sa lahat!
    Oct 12, 2019, 03:37 PM
  • bpc85: ask lng sana ako kung may makukuha ba kami ng Mama ko at ako or mga kapatid ko sa benepisyo ng aming Ama bilang membro ng AFPSLAI. thank you po.
    Sep 27, 2019, 12:52 PM
  • bpc85: Hi guys, im new here,.
    Sep 27, 2019, 12:52 PM
  • Anaperdi: Hi just want to know if meron dito who is into boundary hulog ng motorcycle? For mga riders ng courier. Pwede ba magpashare how it works? Naisip ko lang baka pwede ko ibusiness, meron na pala mga posts online pero di pa clear ang system sa akin. thank  you sa makakapansin
    Sep 21, 2019, 11:32 AM
  • Anaperdi: Hi newbie here..
    Sep 21, 2019, 11:19 AM
  • jprios: May contact ba kayo kung sakali?
    Sep 18, 2019, 06:11 PM
  • jprios: Sino pwedeng mahiraman dito?
    Sep 18, 2019, 06:09 PM
  • kfg52: Present!
    Sep 15, 2019, 07:26 PM
  • juju31: san po ba may nag papahiram dito
    Sep 14, 2019, 07:18 PM
  • juju31: hello
    Sep 14, 2019, 07:18 PM
  • FutureGizmo: Thanks julz! Medyo ganun nga trabaho namin ngayon, to monitor spam posts kasi ang daming spam bots. But thanks for reporting. Auto-ban agad ang spammers sa amin haha
    Sep 07, 2019, 12:17 PM
  • julz: @FutureGizmo si @nikkikv18 just posted more than 10 posts about porn sites. hay, spam.
    Sep 03, 2019, 01:05 PM
  • Cid_brent: sino po dyan pwede magbigay send ng paypal funds and I will pay you using gcash?
    Aug 25, 2019, 08:58 PM
  • Meghan91811: Sino po may alam about Rice Farming...
    Aug 25, 2019, 07:44 AM
  • roselove: hello po sa inyo... newbie here
    Aug 06, 2019, 03:31 PM
  • Niel Jhacoubs: Sino palaging active dito?
    Jul 30, 2019, 04:15 PM
  • dagocjasonrey: Anong update dito?
    Jul 22, 2019, 08:49 PM
  • mark_Lee: anong bago dito
    Jun 28, 2019, 01:03 AM
  • mark_Lee: balita
    Jun 28, 2019, 01:03 AM