Get a business loan in 1 to 2 days — no collateral needed.
Access up to ₱3M in capital through GoTyme Term Loan or ₱10M through Yield Revolving Credit Line. Repayment is based on your daily sales.
Businesses Powered by PayMongo
Funding built around how you already sell
Your PayMongo sales do the qualifying. Get approved fast, then repay in step with your daily volume.
Fast approval
Fast approval, fast access
As an eligible PayMongo merchant, you can get a business loan approval in as fast as five minutes, with funds deposited directly into your registered bank account in as fast as one to two business days after approval.
Sales-based repayments
Everything based on your sales
Your Capital offer is built on your transactions — process payments consistently to qualify for more. Repayments are auto-deducted from your eligible daily sales: more on strong days, less on slow ones.
How to get a loan from PayMongo's lending partners
Transact with PayMongo regularly
Accept payments through PayMongo. Your transaction history builds your offer.
Check your offer
Review your Capital offer on your dashboard. Accept when you are ready.
Receive funds
Funds are deposited into your registered bank account. It may take up to two days to reflect, depending on your bank.
Automatically repay from daily sales
Repayment is deducted from daily eligible sales, so you can keep focusing on operations.
Why businesses fund their growth with PayMongo
Questions, answered
PayMongo merchants may qualify for financing based on their transaction history, without needing to pledge property as collateral. We assess the sales you already process through PayMongo, allowing your business's track record to serve as the basis for evaluation.If you're interested in a collateral-backed loan instead, please contact support@paymongo.com. We can explore available financing opportunities that may better suit your business needs. All financing options remain subject to assessment, eligibility, and availability.
To qualify for PayMongo Capital, you must be an active PayMongo merchant with a consistent transaction history. Our system automatically evaluates your eligibility based on your sales performance. If you qualify, a personalized offer will appear on your PayMongo dashboard.As part of the application and verification process, you may also be asked to submit additional or updated business documents.
Log in to your PayMongo dashboard. If you're eligible, you'll see your available offer on your dashboard or email. Submit the short application, and our partners review it.
A term loan gives you one lump sum you repay over a fixed period — best for a one-time investment like inventory, equipment, or a new branch. A revolving credit line lets you draw and repay repeatedly up to your limit, and you're only charged for what you actually use — best for uneven cash flow, like covering payroll or restocking between peak seasons.
Loan amounts range from up to Php 3 million for term loan and Php 10 million for credit line.
Eligible merchants may receive term loan offers of up to PHP 5,000,000 or revolving credit limits of up to PHP 10,000,000, both subject to assessment and approval.Your eligibility and offer amount will be evaluated based on several factors, most especially your transaction history through PayMongo's payment channels. Regularly processing transactions through PayMongo helps establish a consistent sales record that can support your eligibility assessment. However, it does not guarantee approval or a specific loan amount.