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How to Get a Business Loan without a Credit History in the Philippines
Seeds for ThoughtSep 25, 2026

How to Get a Business Loan without a Credit History in the Philippines

If you run a small business in the Philippines and have never been approved for a bank loan, you have plenty of company. In the BSP's 2025 Consumer Finance and Inclusion Survey, 25% of Filipino adults had an outstanding loan. Formal lenders accounted for 16% of adults. Banks, on their own, accounted for 3%. If your business runs mostly on cash, as many do, there may be very little on paper for a lender to look at. No repayment record, no statements, nothing that shows up in a credit check. Th

KYC Meaning: What It Is and Why Payment Accounts Require It
Seeds for ThoughtSep 21, 2026

KYC Meaning: What It Is and Why Payment Accounts Require It

You signed up, you got the confirmation email, and then the dashboard asked for a selfie and a copy of your DTI certificate. If that is where you stopped, you are not alone. Verification is the single step where most new merchants stall. Perhaps there is a lack of what KYC is or why a payment company needs it before you can get paid. We cover what KYC means, why the Bangko Sentral ng Pilipinas requires it from every financial institution in the country, and what it does for you and your custome

Petty Cash: How It Works, How to Manage It, and When to Retire It
Seeds for ThoughtSep 21, 2026

Petty Cash: How It Works, How to Manage It, and When to Retire It

Oftentimes, a finance team has a drawer or safe with a small amount of cash set aside for everyday expenses, such as Grab rides to a client meeting, food for a team that stayed late, or small fees from vendors who only accept cash. These are all common examples of petty cash. For a lot of small businesses, it works well enough, until it doesn’t. This article will walk you through how petty cash works, how to manage it properly so it holds up during a BIR audit, and how to tell when your busine

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