In the Philippines, over 99% of registered businesses are SMEs, yet many still struggle to access fast, fair financing. Traditional banks often say “no” to small businesses due to rigid policies, slow approvals, and collateral-heavy requirements.
n90 is a relationship-first lending platform built specifically for SMEs. With loan approvals as fast as five days and credit lines up to ₱25 million, n90 offers a smarter, simpler way to fund your business.
In this article, we’ll explore how n90 works, the types of loans it offers, and what makes it different from traditional lenders in the Philippines.
What is n90?
Before exploring how n90 stands apart, it’s important to understand what it is and why it was built specifically for small and medium-sized businesses.
If you’ve ever asked, "What is n90?" The answer is simple: it's not a bank; it’s a partner. n90 is a Philippines-based financial services company offering tailored, transparent, and fast lending solutions for SMEs that are often underserved by traditional banks. Instead of focusing on rigid qualifications, n90 evaluates businesses based on revenue tiers and growth potential.
Through a relationship-based lending model, n90 helps SMEs access:
- Bridge Loans for short-term funding gaps or urgent opportunities
- Small Business Loans for expansion, operations, or inventory
- Invoice Factoring to unlock cash tied up in receivables
Unlike banks, n90 emphasizes speed, simplicity, and flexibility. It can approve loans in as little as 5–7 business days and has loan limits up to ₱25 million based on annual revenue.
But why was n90 even necessary in the first place? To understand that, we need to look at the challenges SMEs face when borrowing from traditional banks.
The Problem with Traditional Bank Loans for SMEs
Despite contributing significantly to the Philippine economy, many SMEs struggle to access financing through traditional banks.
Conventional banking institutions are designed to serve established, large-scale businesses. Their lending frameworks are often too strict for small and medium enterprises, resulting in rejection, delays, or funding that doesn't match real business needs.
Common challenges SMEs face with bank financing include:
- Strict eligibility requirements, such as collateral, high credit scores, and multi-year operating history.
- Lengthy approval times that delay urgent funding needs, often taking several weeks.
- Complex documentation processes that overwhelm resource-strapped small business owners.
- Low approval rates for startups, newer businesses, or those with irregular cash flow.
- Limited loan flexibility, offering fixed terms and structures regardless of unique business models.
These issues create a financing gap, leaving high-potential SMEs underserved, underfunded, and at risk of stagnation.
n90 offers a lending experience that’s faster, more flexible, and built around the realities of running a small business.
How n90 Offers a Better Lending Experience
n90 was built to solve a problem most SME owners in the Philippines know all too well: lending systems work against you, not with you.
Traditional banks often apply outdated criteria and slow processes that prevent even thriving small businesses from accessing capital when they need it most. n90 flips that model, offering a fast, fair, and fit-for-modern entrepreneurs experience.
Here’s how n90 transforms the lending journey:
1. Simplified Eligibility Criteria That Make Sense for SMEs
Many SMEs are rejected by banks simply because they haven’t operated for a decade or don’t have fixed assets to offer as collateral. n90 removes these barriers by focusing on business potential and revenue, not rigid benchmarks.
- Accepts businesses registered with BIR, DTI (for sole proprietors), or SEC (for corporations/partnerships).
- Revenue tiers start from ₱15 million per year, making the service accessible to a broad range of SMEs.
- Ideal for businesses in early growth stages that may not qualify under traditional lending standards.
2. Fast, Streamlined Process Designed for Busy Entrepreneurs
Where banks may take weeks or months to approve a loan, n90 operates with urgency. Our application process is digital, document-light, and responsive, so you don’t lose time waiting.
- Online application portal for faster submissions,
- Approval typically within 5–7 business days.
- Clear breakdown of terms, interest rates, and repayment schedule before you commit,
- No hidden service charges or processing surprises, just straight answers.
This approach saves time and removes uncertainty, helping you focus on running your business, not chasing paperwork.
3. Flexible Loan Options That Align with Your Cash Flow
Every SME has different financial rhythms. Whether you’re experiencing seasonal demand or gearing up for expansion, n90’s loan options are customized based on your operational needs, not forced into a fixed template.
- Revenue-based tiers:
- Up to ₱1.5M for businesses earning under ₱15M/year
- Up to ₱10M for mid-size businesses
- Up to ₱25M for larger SMEs with ₱150M+ revenue
- Collateral-free options for most products
- Bridge loans and invoice factoring to manage cash flow gaps or receivables
- Repayment terms built around your cycle, not the bank’s.
4. A Relationship-Driven Experience
We at n90 believe lending should be personal, not procedural. Unlike banks, where you're just an account number, n90 assigns relationship managers who understand your business, offer guidance, and build trust for future growth.
- First-time borrower? n90 provides financial coaching to help you manage repayments and plan ahead.
- Questions during the process? You have a direct point of contact, no bouncing between departments.
- Looking to scale? n90 supports repeat borrowers with custom loan strategies as your business evolves.
In every part of the lending process, n90 is structured to serve SMEs, not restrict them. To truly understand how these benefits stack up in practice, let’s compare n90 side-by-side with traditional banks.
Comparison Table: n90 vs Traditional Banks for SME Lending
From loan approval timelines to borrower support, the contrast reveals why many SMEs are shifting toward non-bank lending options like n90.
But lending is about more than just speed and structure; it’s also about long-term responsibility. Let’s explore how n90 supports SMEs beyond the loan itself.
Why Responsible Lending Matters: n90’s Long-Term Approach
In a market where many lenders focus on short-term profit, n90 takes a long-term view. Responsible lending isn’t just about approving a loan, it's about supporting your business before, during, and after the disbursement. By prioritizing trust, transparency, and flexibility, n90 helps you borrow confidently and repay sustainably.
Here’s how n90’s approach to responsible lending stands out:
- Financial Coaching: n90 guides first-time borrowers with budgeting support, repayment planning, and business finance education, ensuring you borrow only what your business can manage.
- Clear Terms, No Surprises: Every fee, interest rate, and repayment schedule is disclosed upfront. You know exactly what you’re signing up for. No small print or surprise charges.
- Tailored Loan Structures: Loan products are matched to your business model and cash flow cycle, not a standardized repayment calendar that puts pressure on your operations.
- Ongoing Relationship Support: Unlike banks, n90 doesn’t disappear after disbursement. You have access to relationship managers who monitor your loan journey and offer support if business conditions change.
- Sustainable Growth Over Short-Term Lending: n90 avoids pushing debt. Instead, it focuses on empowering sustainable growth, giving SMEs the tools to grow and reinvest profitably.
In short, n90 doesn’t just lend; it partners. By supporting your business end-to-end, it helps create a financing journey that’s fast and flexible and built to last.
Final Words
When it comes to SME financing in the Philippines, traditional banks are often slow to adapt to the realities of small business ownership. Long approval times, fixed terms, and collateral-heavy requirements can hold your business back at the very moment you need to move forward.
n90 is here to change that. We are just a lender, but a growth-focused financial partner built around the needs of Philippine SMEs. With faster approvals, transparent terms, and a commitment to long-term support, n90 offers a smarter alternative to traditional banking.
Ready to fund your next move, without the red tape? Apply with n90 today and experience a lending approach that’s clear, flexible, and built around your business.
FAQs
1. What loan products does n90 offer?
A: n90 offers Bridge Loans, Small Business Loans, and Invoice Factoring. These are tailored to address different business needs like cash flow gaps, expansion, and accounts receivable management.
2. Who is eligible to apply for a business loan from n90?
A: SMEs registered with the BIR, DTI, or SEC and with annual revenues of at least ₱15 million are eligible. Applicants must also be residents of the Philippines.
3. Is n90 a bank?
A: No, n90 is a non-bank financial institution that focuses on relationship-based SME lending. It is part of the growing sector of non-bank lending in the Philippines.
4. How does n90 ensure responsible lending?
A: n90 provides transparent terms, financial coaching, and personalized support. Loans are structured around the borrower’s actual revenue and repayment capacity, ensuring sustainable growth.
5. What makes n90 suitable for first-time business borrowers?
A: n90’s simplified requirements, fast online application, and borrower education make it ideal for SMEs that are new to business financing or have limited experience with loans.
6. How do I apply for a loan with n90?
A: You can apply online through n90’s digital platform. The process is simple, with minimal documentation required, and a dedicated relationship manager will guide you through every step.
