FOR SMALL BUSINESSES
Micro-Lending & MSME Credit
Working capital and small-loan solutions to support everyday business needs, subject to eligibility and credit assessment.
OUR LENDING SOLUTIONS
Flexible financing
for your goals.
Micro-lendingFinancing for everyday business needs→
Salary LoansSolutions for qualified employees→
OFW LoansFinancing options for overseas workers→
Corporate LoansBusiness financing options (₱500K–₱5M)→
Since 2019, KKP Lending has been providing accessible financing solutions for individuals, employees, overseas Filipino workers, and growing businesses. We are committed to responsible lending, transparent processes, and long-term partnerships for stronger communities.
For qualified applicants • Subject to evaluation, applicable approvals, and final agreement.
✓ Lending systems & documentation✓ Training & operational guidance✓ Market study & campaign planning✓ Business partner support
Who we are
Growing opportunities through responsible lending
KKP Lending Corp. — Katuwang at Kaagapay sa Pag-Unlad Lending Corporation — serves individuals, employees, microentrepreneurs, and small and medium enterprises through structured lending services.
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Partner-focused
Structured support for entrepreneurs seeking to operate a lending branch within KKP's business framework.
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Operational systems
Loan workflow templates, borrower screening processes, collection monitoring, and portfolio management guidance.
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Local market planning
Market research, customer acquisition planning, and financial feasibility tools for evaluating proposed territories.
OUR LENDING SERVICES
Practical financing for Filipino livelihoods
Financing options and education designed around the needs of working individuals and small businesses.
Salary Loans
Structured borrowing options for qualified employees, with clear repayment terms.
OFW Assistance
Financing support for overseas Filipino workers and their families.
Financial Literacy
Practical guidance on budgeting, saving, and responsible borrowing.
Choose your path
Franchising & License Sharing
Explore License Sharing and the Standard Franchise Package.
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License Sharing
Explore a license-sharing branch arrangement with branding and systems support. The exact rights, permissions, and responsibilities are subject to the written agreement.
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Operational Setup Assistance
Guidance and support in establishing and organizing lending branch operations.
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Lending Website & Database Sharing
Access to the lending website and database system, subject to the written agreement, access permissions, and applicable data privacy requirements.
CORE BRANCH • STANDARD
Standard Package
₱3,000,000 franchise fee
Included in the ₱3,000,000 package:
- ₱500,000 lending capital deployment
- ₱1,000,000 commercial office setup allocation
- Brand signage and administrative setup
- Market study and campaign planning
- Operational and compliance training support
- System, website and loan app support
Total Standard Franchise Package: ₱3,000,000, inclusive of ₱500,000 lending capital and ₱1,000,000 office setup allocation. These amounts are not added on top of the package price. Final inclusions are subject to the written agreement.
Inquire About Standard →Package descriptions are based on user-provided materials. No regulatory license or territorial rights are transferred merely by submitting an inquiry.
OPERATIONAL SETUP
Explore the KKP Operational Setup
Explore our Standard Franchise Package, branch operations, and partnership journey.
View Operational Setup →FINANCIAL FEASIBILITY
Explore daily collections and revolving capital
Use our dedicated financial workspace to review the 90-collection-day lending example, monthly and annual cash flows, operating expenses and printable reports.
UNDERSTANDING THE NUMBERS
How lending collections and operating results work
Financial information from the KKP presentation, explained in plain language.
Loan example: ₱5,000
₱5,300 total repayment over 90 collection days in the presentation. That is ₱5,000 recovered principal plus ₱300 financing charge for the entire example loan.
Daily collection is about ₱58.89 per collection day. The poster also quotes ₱204 per day based on a different 26-day convention; these figures are not directly reconcilable, so the calculator uses 90 actual collection installments.
Open detailed calculator ↗Reinvesting collected capital
Daily payments return principal to the lending fund. When enough available cash accumulates, it can fund another qualified borrower. This increases lending turnover, but recovered principal is not profit.
Operating income comes from earned financing charges and permitted fees, less provisions, applicable fees and operating costs.
Illustrated annual loan turnover₱11.3MVolume of lending activity, not earnings
Illustrated interest collected₱1.59MPresentation scenario; not independently verified
Illustrated operating costs₱200K/mo₱2.4M per year in the poster
The poster's ₱4.5M “net profit” figure is not used as calculated profit because it appears to include recovered principal. Use the calculator for a transparent interest-versus-principal breakdown. The poster's “6% monthly” description and ₱300 total charge over 90 days also require reconciliation before being used as contractual loan terms.
OUR GROWING PRESENCE
More branches. Greater community impact.
Explore the locations featured in the KKP expansion presentation.
Silang, Cavite
Serving families and entrepreneurs in Cavite.
Baguio City
Connecting with communities in the Cordillera.
San Juan City
Building relationships in Metro Manila.
Cabanatuan City
Supporting communities in Central Luzon.
Locations are featured in KKP's supplied presentation; contact KKP for current branch status and availability.
Beyond lending
Explore the KKP Group
Discover the businesses and community initiatives associated with the KKP name.
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KKP Trucking
Hauling, point-to-point delivery, construction and industrial transportation, and dedicated truck arrangements.
Visit website ↗💻
KKP Web Solutions
Technology and digital solutions. Detailed services and portfolio information will be added once provided.
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KKP Garage & Parts
Automotive services and parts business. More details and images will be added when available.
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KKP Foundation
Community-centered outreach, care, empowerment, and initiatives intended to uplift Filipino families.
See community focus ↓Community & purpose
One purpose. Many lives. Endless hope.
KKP Foundation's materials highlight care, empowerment, uplifting communities, and lasting impact. Its message is simple: Helping Hands, Changing Lives.
“Together, We Bring Hope to Every Filipino Family.”
This section introduces the foundation using its supplied promotional materials. Further program details can be added after documentation is provided.
CORPORATE DOCUMENTATION
Legal Registrations & Compliance
KKP's presentation highlights corporate registration, anti-money laundering compliance, tax registration, local permits, and lending-related licensing.
SEC Corporate Registration
Corporate registration documents for KKP's legal entity.
Lending Authority
Applicable SEC secondary licensing for lending operations.
AMLC Documentation
Anti-money laundering registration and compliance documentation.
BIR & Local Permits
Tax registration and applicable local government clearances.
Document images are reproduced from KKP-provided promotional material for reference. Current registration, license status, certificate validity, and permitted activities should be verified against the relevant issuing authorities. Display does not imply endorsement by SEC, AMLC, BIR, or any government agency.
PARTNER & INVESTOR INFORMATION
Frequently asked questions
Clear answers to the most common questions about joining KKP Lending.
How much are the franchise fees?
The KKP Standard Franchise Package is ₱3,000,000 total, inclusive of the ₱500,000 loan capital allocation and ₱1,000,000 office setup allocation. Package inclusions, payment terms and territory conditions are confirmed during orientation and in the final agreement.
Is loanable capital included in the franchise fee?
Yes. The Standard Package includes ₱500,000 allocated to lending capital within the ₱3,000,000 package price. Lending capital is deployed under applicable operating and credit policies.
How much should I budget for the office?
The ₱3,000,000 Standard Package includes an estimated ₱1,000,000 office setup allocation. Actual location, fit-out, equipment and staffing costs depend on the approved branch plan.
How does KKP Lending generate income through capital rolling?
KKP Lending uses capital rolling, or the continuous reinvestment of available loan collections. As borrowers make daily repayments, collected funds accumulate. Once sufficient funds are available, KKP may release new loans to other qualified borrowers, subject to credit approval, liquidity requirements and lending policies.
Example: If ₱50,000 is collected in daily repayments and is available for relending, it could support 10 new approved loans of ₱5,000 each. The cycle is Lending → Daily Collection → Capital Accumulation → Re-Lending.
This helps keep capital circulating and creates opportunities to earn interest or financing charges on new loans. Recovered principal is not profit. Actual earnings depend on collections, borrower demand, loan terms, operating expenses and credit risk.
How do daily collections and revolving capital work?
For the illustrative daily-collection product, a ₱5,000 loan has a approximately ₱58.89 scheduled per collection day over 90 collection days (₱5,300 total repayment). Collections include recovered principal and earned interest or charges. Recovered principal may fund additional lending, subject to demand, collections, liquidity and policy. Principal repayments are not profit.
What ongoing support is available?
The described program includes operational guidance, training, marketing frameworks, borrower-screening and collection workflows, and systems support. The exact scope, service levels, charges and responsibilities must be documented in the agreement.
Can I reserve a specific city or territory?
Territory requests are subject to availability, feasibility review, eligibility, any applicable reservation terms and formal approval. Submitting an inquiry does not grant exclusivity or licensing rights.
What income or ROI can a franchisee expect?
Use the feasibility calculator to explore estimated daily collections, capital recycling, monthly and annual operating income, break-even requirements and ROI. Results are projections based on selected assumptions and collection performance; actual outcomes may vary.
Are PSA statistics used to forecast revenue?
No. Philippine Statistics Authority figures are used only as a population reference for the selected location. Borrower penetration, loan performance, costs, interest or charges, and projected returns are separate illustrative KKP assumptions.
What happens after I submit an inquiry?
KKP can arrange an orientation, discuss territory availability and requirements, and explain the next steps. The website inquiry form currently requires a dedicated submission endpoint before it can transmit applications.
NEXT STEP
Ready to become a KKP franchise partner?
Complete our dedicated franchise application form, or review the financial projections before deciding.