Cebuana Business Owners GLoan Negosyo Loan Solution

For many Filipino entrepreneurs, the biggest challenge isn’t coming up with a business idea—it’s finding the capital to turn it into reality. At the Wais Tindera Caravan in Cebu, three women shared how access to financing has helped them grow their businesses and provide for their families.

Through GCash, the Philippines’ leading finance superapp and largest cashless ecosystem, and its lending solutions from Fuse Financing Inc., these entrepreneurs are gaining access to credit designed to fit their earning and spending patterns.

A Nail Salon Breaking Free from High-Pressure Informal Lending

Dyan, 35, earns a living doing nails in Barangay Suba, Cebu City, often traveling to clients for home service appointments. With supplies quickly running out, keeping her business going used to mean borrowing from informal lenders who demanded daily repayments. For someone whose earnings depend on the number of clients she serves, the pressure was constant.

With GLoan Negosyo, Dyan can now restock her supplies on her own terms without the daily scramble to repay her debts.

“Dati araw-araw ako nagbabayad sa mga pinagkakautangan ko, kaya mas maganda ‘yong GLoan kasi makakaipon ka pa bago magbayad. ‘Yong inutang ko, pambayad ko ng mga gamit ko sa paglilinis ng nails ng mga customer. Wala akong masasabi sa GLoan, nakakatulong talaga siya, lalo na kapag wala kang pera at gusto mong gamitin pang-negosyo, low interest pa siya,” Dyan said.

(Before, I paid daily on my debts, so GLoan is better because I can save up first before paying. What I borrowed went to my nail supplies for my customers. GLoan helps a lot, especially when you have no money and need capital for your business, and the interest is low too.)

GCash also supports Dyan wherever her work takes her. Her clients can pay her instantly through the app, while cash-in and cash-out transactions and prepaid load sales provide additional income. Through GSave, she is also gradually building an emergency fund, helping her set aside money instead of potentially spending cash she keeps on hand.

Building a Sari-Sari Store from the Ground Up

In 2024, Jill, 28, and her partner opened a sari-sari store with GLoan Negosyo as their source of startup capital. Their initial ₱15,000 loan gave them the funds they needed to get the business off the ground.

Since then, Jill has turned to GLoan five more times to replenish her inventory when sales slow down. What began as a way to address an immediate need has become a dependable way to keep her shelves stocked.

“Ginamit ko ang GLoan para lumago ang negosyo, pinambili ko ng mga paninda ko po tulad ng mga sabon, shampoo, at canned goods. Masaya po ako dahil maliit lang ang interest, hindi mabigat sa bulsa dahil hindi siya araw-araw binabayaran, talagang makakaipon ka para makapagbayad buwan-buwan. Nakatulong po talaga dahil kung wala akong puhunan, ito ‘yong nagagamit ko,” Jill said.

(I used GLoan to grow my business, buying stock like soap, shampoo, and canned goods. I’m happy because the interest is small and easy on the pocket since I don’t pay daily; I can really save up to pay monthly. It really helped, because when I have no capital, this is what I use.)

Jill’s store also accepts GCash payments, giving her a small competitive advantage over nearby stores that rely exclusively on cash. The monthly repayment schedule provides more breathing room than the daily payment demands of informal lenders, helping her maintain the business even during slower periods.

A Small Side Hustle Funding a Big Dream

Carmen, 42, operates a small fish vending business in Barangay Suba, doing the daily work that helps sustain her household. To grow her trade, she buys fish by the banyera, or tub, and resells them to fellow vendors and fisherfolk, making the most of each day’s opportunities.

When she needed additional capital to keep her business moving, GCash provided a timely boost. Introduced to the app by her cousin, Carmen used GLoan to supplement her existing capital, allowing her to purchase more inventory and sustain her operations without the lengthy and restrictive processes associated with traditional financial institutions.

“Ibig sabihin, idinagdag ko lang hanggang sa lumaki. Extra na pera para maikot ‘yung tinda. Nakatulong din sa iba at sa mga bata. Dahil may negosyo ka na, nakakatulong ka pa kaysa naman ma-standby ka lang,” Carmen said.

(I added the loan to my capital so it could grow—extra money to keep the trade moving. It also helped others and the kids. Because you have a business, you get to help out instead of just staying idle.)

Carmen is already looking toward the next steps. She plans to maintain a good credit standing, explore GCash’s savings features, and use digital bill payments to make managing both her business and household finances more convenient.

Three Stories, One Lesson

Dyan, Jill, and Carmen gained more than access to loans. They gained opportunities to build their businesses and the confidence to keep moving forward. Financing gave them the flexibility to launch an enterprise, replenish inventory, expand their operations, or get through a difficult month without losing momentum.

Their experiences reflect a broader trend across the Philippines, where more Filipinos are turning small businesses into primary sources of livelihood with the help of accessible financing. Through its partnership with Fuse Financing, GCash aims to support more entrepreneurs as they pursue new opportunities and work toward building the future they envision for their families.

To learn more about GCash and its lending solutions, visit www.gcash.com.