KAAGABAY LOAN PROGRAM (MICROFINANCE PROGRAM)

The term ‘KAAGABAY’ came from a tagalog word “GABAY” which means GUIDE or ASSIST. Kaagabay Loan Program caters to women particularly with fiscal disadvantage in rural areas who are eager to create income-generating activities but do not have the essential resources.

TEAMMiCRO’s thrusts in providing Kaagabay Loan are to provide more inclusive services for the poor, to be a catalyst to the communities it serves, to provide an effective way of expanding its outreach and business opportunities and to promote an image as the champion of the poor and common people.

SALARY LOAN PROGRAM (SLP)

Salary Loan Program is a credit facility extended to regular employees of accredited government and private sectors with substantial benefits and are of good credit standing. The object of the loan is to back personal needs and upcoming expenditures including medical and educational expenses, house improvements and acquisition of new home appliances and furniture.

OFW FLEXI-LOAN PROGRAM

OFW Flexi-Loan Program is a lending facility used to accommodate qualified Overseas Filipino Workers and beneficiaries to meet financial ends such as pre-employment expenditures, educational and medical-related expenses and home improvements granted said OFWs have approved visas and employment contracts.

OFW CASH ADVANCE LOAN

OFW Cash Advance Loan is another extension product under OFW Flexi Loan Program that offers short term financial assistance and protection to existing OFW clients with exemplary credit handling against sudden pecuniary distress caused by illness, hospitalization, death, education and other contingencies.

COMMERCIAL LOANS

Commercial Loan is a credit facility extended to businessmen and business entities that are of good credit standing for the purpose of augmenting current business operation, purchasing of new machineries, equipments and facilities, upgrading current machineries, equipments and facilities and improving, renovating and expanding current business place. 

 BUSINESS LOAN - REM

Business Loan (REM) is a facility under Commercial Loan Program offered to businessmen and enterprises, which are secured by real estate properties.

BUSINESS LOAN - CHM

Business Loan (CHM) is a facility under Commercial Loan provided to entrepreneurs and establishments, which are secured by vehicle, heavy transportation equipments and machineries.

AUTO LOAN

Auto loan is a credit facility available to individuals who are of good credit records for the purpose of procurement of brand new or second hand vehicles and car repair.

REAL ESTATE LOAN

Real Estate Loan is a credit facility available to individuals who are of good credit standing for the purpose of acquiring a lot, purchasing a residential unit, procuring a lot and construction of house, construction of house (only), home improvement and refinancing.

FRINGE BENEFITS LOAN

Fringe Benefits Loan is a cash advance service extended to accredited units under TEAMMICRO's Salary Loan Program who have good repayment track records and maintain a 100% collection efficiency rate for the purpose of meeting financial exigencies like educational and medical expenses, sudden death of a family member and calamity-related expenses.