An all Filipino ethical and impact lending company, focused exclusively to growing socially responsible Small and Growing Businesses (SGBs).

We prefer livelihood activities that create new wealth (with very low appetite for ordinary trading businesses). We use the power of credit to grow SMEs and help them generate positive impact to people, plants and planets. We lend to growing and promising SMEs (not distressed SMEs).

We are registered with the Philippine Securities and Exchange Commission (SEC) with Registry No. CS2017-14804, dated May 8, 2017 and with secondary license to operate as a lending company under Authority to Operate No. 2255 dated May 8, 2017.

As an ethical lender, SME-ICC adheres to:

• Full disclosure of all loan charges (in compliance with the Philippine Truth and Lending Act)
• No pre-deducted interest and interest is computed on diminishing balance method
• Payment of correct taxes due to the government and requires the same from its SME borrowers
• Takes efforts to explain to SME borrowers documents before requiring them to sign
• Compliance with the SMART Campaign which include promotion and protection of borrowers’ Bill of Rights
• Observe and promote adherence to Fair Trade Practices and Principles