Retail Smart Guys offers Personal and Business Loans

Apply online in just few minutes!

Get the Cash You Need

  • Emergencies
  • Education
  • Travel
  • Home Improvements/ Lot
  • Down Payments *
  • Car Repair/ Car Purchase *

At a Glance

Terms Amount
Minimum Loan Amount
Maximum Loan Amount
Payment Terms
up to 36 months
Approval Time
within 5 banking days

Fast Personal and Business Loans

Quick and Easy
Lower Rates
No Repayment Penalty
Secure Process

Documents and Eligibility

Documentary Requirements

– One (1) valid government-issued ID
– Income Documents, any of the following:
   –  Certificate of Employment and Compensation – issued within the last six (6) months
   – Latest ITR
   – Latest one (1) month payslip

– One (1) valid government-issued ID
– Latest 1-year Audited Financial Statement (AFS) with at least the previous year’s comparative financials
– SEC Registration
– Business Permit / Mayor’s Permit
– Latest three (3) months bank statements
– List of 3 trade references (at least 1 supplier and 1 customer) with contact details

Completely Filled out and signed application form. For online application, please refer below.


At least 21 years old at the time of application but not more than 65 years old upon loan maturity

Minimum gross monthly income: $1000

For Self-Employed or Self-Employed Professionals, borrower must be the owner or a majority owner with at least 40% stake AND the business has been operating profitably for at least 2 years with at least 1 trade reference.

Minimum gross monthly income: $10,000

Ready to Apply for Loan?