About Us

An all Filipino ethical and impact lending company, focused exclusively to growing socially responsible Small and Growing Businesses (SBGs).We prefer livelihood activities that create new wealth (thus we have low appetite for normal 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

As an impact lender , SME shall NOT finance projects that:

Not complying with rules and regulation;

Environmentally hazardous projects

Violate rules and regulations

Employs child labor

Relate to and/or promote vices

Impacts we pursue...

Creation of New Wealth. We have less appetite for trading projects but rather prioritizes livelihood activities in manufacturing, production, processing, agri and agri-related projects, and services

Creation of Decent Job. We want to help SME grow and expand so that they create more new decent and sustainable jobs for the marginalized people in the community

Generate Revenue (Taxes) for the Government – as socially responsible company, we pay our taxes correctly and strongly encourages our SME clients to do the same. We treat this our as our patriotic duty to the State

Promotion of local economy by supporting community-based industries and livelihood projects in the rural areas.

The SME ICC Team

Rico Coligado

President and CEO

"At SME-ICC, we see ourselves as a reliable fund provider to SMEs, helping them create impact to people and communities. “Improving Lives, Creating Opportunities” is not just a tagline, it’s a promise we intend to keep."

Atty. Ramiro Sususco

Chairman of the Board

"I am fortunate to join and help in the setting up of SME Impact Credit Corp., which is not an ordinary lending company but one that is engaged in impact lending and an ethical lender too. Thus, in line with its vision and mission, the company intends to serve only SMEs whose businesses have beneficial economic, social and environmental impact. And as an ethical lender, it adopts and implements a policy of full disclosure and transparency in its dealings with its clients."

Ricardo Rufino, Jr.

Director

"The job we do for SMEs maybe difficult and tiring at times but knowing that what we provide goes beyond the entrepreneurs and into the community is more than enough reward."

Erma Dulin

Credit Officer

"We will never stop in reaching out to our target clients. The challenge we always face when evaluating SMEs, the risk that we mitigate when we lend out to them and the perseverance we pour unto the account during monitoring, comes from the genuine passion of our drive to prove that SME development is possible via responsible lending."

Rudy San Juan, Jr.

Information and System Specialist

"It takes pure dedication to develop and grow SMEs, especially via affordable financing. Like farmers, we plant the seed today and hope for abundant harvest in the future, not just for SME-ICC but for all our stakeholders."

Imee De Mata

Finance and Admin Officer

"Start-up and small as we today, we dream of reaching our goals with our clients. Through hard work and commitment, via our innovative ways of lending, we see a bright future for our small and medium sized entrepreneur clients."

SME Impact

About Us

Impacts we pursue...

The SME ICC Team

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