Fueling Growth: Introducing MSME Loans from Cebuano People's Credit Cooperative! 

For the entrepreneurs, the dreamers, and the builders who form the heart of our economy—your moment to grow is now.

At Cebuano People's Credit Cooperative (CPCC), we understand that micro, small, and medium enterprises (MSMEs) are the lifeblood of Cebu. That’s why we’re excited to launch our specialized MSME Loan Program, designed to give your business the financial boost it needs to thrive, expand, and reach its full potential.

We’re not just offering loans; we’re offering a partnership committed to your success.

Simple Loans, Serious Growth

We've structured our MSME Loans to be accessible and straightforward, allowing you to focus on running your business, not navigating paperwork.

Competitive and Transparent Interest Rate

We know cash flow is king. Our loans feature a clear and competitive interest rate of 4% per month. This predictable rate helps you budget effectively and plan for repayment with confidence.

Flexible Collateral Under PPSA

Accessing capital shouldn't mean risking your home. We utilize the Personal Property Security Act (PPSA), allowing you to use your existing inventory and business stocks as collateral. This makes it easier to secure funding without tying up your major assets.

Loan Sizes Built for Your Stage

Whether you’re just starting out or ready to scale up, we have a loan size that matches your business category:

Business Category

Loan Amount Range, perfect for...

Micro Businesses

₱7,000 to ₱50,000

Purchasing initial inventory, acquiring small equipment, or boosting immediate working capital.

Small Businesses

₱55,000 to ₱300,000

Expanding product lines, hiring more staff, or renovating your physical location.

Medium-Sized Businesses

₱300,000 to ₱1,000,000

Major capital expenditures, entering new markets, or significant investment in technology and machinery.

Peace of Mind: A Built-In Safety Net 

We believe in protecting your investment and your family's future. Our MSME Loan program includes a crucial safety feature that sets us apart:

Free Insurance Coverage for Loaned Capital

Every qualified loan comes with free insurance coverage from our trusted provider. In the unfortunate event of the business owner's death or permanent disability, this insurance covers up to ₱100,000 per loan. This means your family and your cooperative are protected, providing you with immense peace of mind while you grow your business.

Your Cooperative Advantage

As a member of Cebuano People's Credit Cooperative, you are more than just a client—you are an owner. Our mission is to reinvest in our members and the local economy.

Ready to move from a small idea to a massive success?

Contact us today or visit our nearest branch to discuss your business needs. Let Cebuano People's Credit Cooperative be the engine that drives your next great business breakthrough!

Grow with the people who grow with you. Give us a call, or send us a message to apply.