Turn Unpaid Invoices into Working Capital

Don’t let long payment cycles slow your growth. With invoice financing, we advance you cash for invoices from accredited payors — helping you bridge cash flow gaps and keep your business running smoothly.

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Who is this best for?

Suppliers & Contractors billing large corporations or government agencies

Exporters waiting for overseas buyers to settle invoices

B2B SMEs in industries like packaging, raw materials, and leasing

Fast-growing companies with capital tied up in receivables

What makes N90 invoice financing different?

Turn unpaid invoices into working capital — fast. N90 invoice financing gives Philippine SMEs immediate access to cash tied up in receivables, with simple requirements, quick turnaround, and competitive rates.

Quick Access to Cash

Unlock funds from approved invoices in days

Accredited Payors Only

Secure and reliable invoice coverage

Improve Cash Flow

Eliminate waiting periods of 30–90 days

Simple Process

Minimal paperwork, quick turnaround

Financing calculator

Estimate your monthly payment

Based on diminishing balance · 1–4% per month · For indicative purposes only

Loan amount₱1,000,000

₱100K₱25M

Loan tenor12 months

3 months36 months

Monthly interest rate2.0% / mo

1.0%4.0%

Monthly payment

₱0

Principal₱0

Total interest₱0

Total repayment₱0

Get funded →

Actual rates and terms are subject to N90 Financing Corp.'s credit assessment and approval process.

Month	Opening balance	Interest	Principal	Monthly payment	Closing balance

Unlock the capital your business needs—fast, fair, and simple.

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Why choose N90?

Trust & Transparency

No hidden fees, all charges are disclosed upfront so you know exactly what you’re paying for.

Relationship First

We build long-term partnerships, understanding your business and supporting your growth over time.

Fast & Flexible

Quick application process and funding options tailored to your specific needs.

Proven Credibility

SEC-registered and nationally recognized, giving you peace of mind that you’re working with a reputable lender.

Also consider

Other financing options from N90

Small Business Loan

Working capital for everyday needs

Borrow up to ₱25M to cover payroll, inventory, and operations. Rates from 1%–3% per month.

Learn more →

Bridge Loan

Short-term capital when you need it most

Fast access to funds for urgent cash flow gaps or time-sensitive business opportunities.

Learn more →

Refer & Earn

Know a business that needs financing? Refer them to N90 and earn 1% of their loan volume when they get funded. Help SMEs access fast, fair financing — and get rewarded for it.

Refer Now

Get Started Today

Don’t let cash flow gaps hold you back. N90 provides up to ₱25M in fast, flexible SME financing — without the bank headaches. Apply now and keep your business moving forward.

Get Funded