Company lending is a lending business for companies based in the Philippines.
Philippines is now in the high economic growth period, various companies wish to make a loan to improve cash flow, capital investment, and business expansion.
ZEN FINANCE INC. runs company lending business for government institutional company or large companies, which has a stable business status.

In the Philippines, you need a certain period of repayment history to receive additional loans from banks.

However, in the Philippines, which is experiencing a period of high economic growth, various companies are in the middle of growing.
For this reason, it is difficult to receive additional loans immediately,even the company with strong performance and struggling with funding.
Bridge lending is a business that makes a loan for such companies for additional loans.

The point of this business model is that the loan introducer is a major Philippine bank or government official.
The companies introduced by major banks have good performance, and will only be introduced by companies that banks are planning to make additional loans.
Therefore, it is possible to ensure that customers have repayment history, risk hedging screening, etc.

In addition, Zen Finance Inc. and banks concluded a "receivable purchase agreement" to buy receivables one year later.
As a result, we have established a business model that can ensure a capital recovery, secure recovery, as well as securing the security from customers.

"PSSLAI" is an organization established under the Filipino Republic of the Philippines, consisting only of police officers, firefighters, prisoners, and the Philippine military public servants, counting of 220,000 members. (Same as the Japanese civil servant mutual aid association.)

Lending to "PSSLAI" provides loans only for civil servants and their families.
The loan for members of "PSSLAI" has been possible by the connection with public servants in the Philippines, and it can be said that this business is only possible by Zen Finance Inc.

In the Philippines, public servants are recognized, and Zen Finance Inc. has a business tie -up with members of the manager and provide a loan business.
In the Philippines, occupations, such as public servants who can get regular IDs, have tremendous demand, so most of staff repay tightly, not taking the risk of umemployed.
In addition, their direct boss takes the repayment management, so that this business model has succeeded in full of risk hedging

The lending business to "PSSLAI" is said to be a market of about 66.1 billion yen, and it is expected to expand in the future, and won't lose its loan target for semi -permanently.