Hi! I’m a 30F entrepreneur from Quezon City, Philippines, currently looking for private funders to help launch my new business commercially (currently home-based).

Funding Details
Industry: Food and Beverage
Target amount: ₱300,000
Available funding options: ₱100,000 – ₱300,000
Fixed interest: 5% per month
Loan term: 6 – 12 months

This is a fixed-monthly payment lending arrangement, not profit-sharing. The agreed monthly interest will remain fixed regardless of the business’s actual profits or sales.

Interested funders may DM me their email address so I can send the complete business proposal.

To clarify: This is not an offer of investment, shares, or equity. I’m looking for a private loan arrangement with agreed principal amount, a fixed repayment term, and repayment of the principal + the agreed interest. The lender will not receive ownership or shares in my business.

Future plans: Once I’ve established 3 branches, I plan to open the business to franchising opportunities.

✔️ Post-dated checks (PDCs)
✔️ Notarized loan agreement

Document verification and the exchange of sensitive documents will be done in person only. I will not send IDs or sensitive business documents online to protect the funder and myself from phishing, scams, and unauthorized use of personal information.

I’m aware that some people pretend to be interested funders just to collect other people’s documents and IDs, then disappear afterward. For everyone’s protection, I prefer to do verification through meet-up only.

Repayment:
I also have an existing business (other service industry) that will help support the monthly loan repayments, alongside the income generated by my new business. I’m currently missing some of the documents required for a bank loan this year, specifically my ITR & AFS. I expect to be eligible to apply again next year once I have the necessary documentation.
For now, cash advances and credit-to-cash options are not options for me (small credit limit), which is why I’m exploring private funding instead.

That is why I’m seeking private funding and offering a fixed monthly interest rate of 5% (some say this is small, some say this is high and call it a red flag 🤦🏻‍♀️). I think this arrangement can work, provided that the lender and I agree on the terms and complete the necessary documentation.

I’m open to discuss the repayment schedule, provide the appropriate supporting documents from my existing business, and meet in person with genuinely interested funders.

Comments and Accusations
I welcome genuine questions, reasonable concerns, and constructive feedback. However, unnecessary comments, baseless accusations, and unsupported claims calling me a scammer (just because you think I fit that criteria in your head) will not be tolerated and may result in being blocked.

If you have actual evidence that I have scammed someone, you are welcome to present it. Otherwise, please refrain from making accusations that could unfairly damage my reputation and account. Also, having a new account does not make someone a scammer. I created this account to post about my business funding needs.

If you genuinely want to get to know me and verify my identity, I’m open to meet you in person. I can also show you my personal account during our meeting. Due diligence is important, especially when money is involved. No one is getting forced here. I simply ask for respect.

If you’re genuinely interested in funding my business, feel free to send me a DM. If you’re not interested, that’s fine, please scroll away instead of leaving negative comments.

For anyone planning to start a small business or online shop, business registration can be confusing, especially if it's your first time.

Depending on your business type and location, you may need to check requirements for:

• DTI business name registration (for sole proprietors, when applicable)
• Barangay clearance and Mayor's/Business Permit
• BIR registration
• SSS, PhilHealth, and Pag-IBIG employer registration if applicable

The exact requirements and fees vary depending on your situation, so it's best to verify them with the relevant government offices before applying.

I also offer independent business registration assistance for sole proprietors, online sellers, and businesses that need help organizing their registration requirements.

If you're planning to register a business, what part of the process do you find most confusing?

Happy to share general guidance!

Pumunta akong RDO 38 (Fishermall) yesterday para lang asikasuhin ang business closure, and I honestly just gave up and went home out of sheer exhaustion and overwhelm.

​Lumuwas pa ako galing province just to handle this in person—kasi apparently, in this day and age, hindi pa rin pwedeng tapusin entirely online ang ganitong workflow. Tapos bubungaran ka na kailangan mong mag-file ng almost 30 unfiled tax returns via eBIRForms. Thirty. I don’t even know how to file half of those. If a business has been inactive or non-operational, why can’t there be a consolidated or streamlined way to resolve dormant returns instead of forcing people to retroactively submit dozens of forms one by one?

​The actual physical process inside is just as draining:

​The endless window hopping: Pasa ka sa window na 'to, tapos ituturo ka sa kabilang dulo, balik ulit sa isa.

​The wait times: Almost 2 hours just waiting sa Compliance section.

​The noon freeze: Sakto pang inabutan ng lunch break, so literal na frozen ang movement and you have no choice but to wait it out.

​To make things worse, inactive na ang TIN ko and it can't be reactivated unless ma-settle ko lahat ng backlogs at bayarin. Currently, I don’t even have a job. The financial and mental toll of traveling back and forth while unemployed just to jump through bureaucratic hoops is insane.

​Fairness naman sa personnel: hindi na sila masusungit compared to 3 to 5 years ago. The frontline staff are generally more civil now. Pero yung mismong sistema at proseso? Completely broken. May nakapaskil pang ISO standard certification sa office, but you honestly wouldn't feel it with the way things are run.

​Sa mga nakapag-close na ng business sa BIR recently: how did you survive this? Normal ba talagang abutin ng ganitong kalalang backlog bago ka makawala sa system nila?

Hi everyone!

I'm currently based in Ireland and working in digital marketing. Recently, I had a meeting with a company whose marketing team is based in the Philippines. That actually gave me the idea of potentially starting my own creative marketing agency over there.

I've been thinking about it for a while now and have started putting together a rough plan, but I'd love to get some advice from people who have experience running agencies or businesses in the Philippines.

Here's my plan so far:

I'm planning to start small, initially offering services such as social media management, content creation, photography, videography, graphic design, and potentially paid advertising.

Rather than immediately hiring a large team or renting an office, I want to keep things simple and build the business gradually.

Since I'll be managing things from Ireland, my idea is to hire a few people based in the Philippines who can help me get the agency started.

Ideally, I'd be looking for:

• Someone to find potential clients: One or two people who are comfortable reaching out to businesses, whether through emails, social media messages, phone calls, or in-person conversations. Their role would be to introduce our services, speak with interested businesses, and hopefully help secure clients.
• Photographers/videographers: One or two people who have experience taking professional photos and videos for businesses. They would handle on-site content creation whenever we have a client who needs it.

I'd personally be handling the overall creative direction, social media strategies, editing, graphic design, and general management of the agency, especially in the early stages.

I also don't want to restrict myself to cafés and restaurants. While those could be potential clients, I'd like to work with different industries and businesses that could benefit from improving their online presence.

One thing I'm still trying to figure out is how I should structure and pay the team.

For example, for the people responsible for finding clients, would it be better to offer a basic salary with commission, commission only, or payment based on successfully securing clients?

And for the photographers and videographers, would it make more sense to pay them per shoot or offer them a fixed monthly salary once we start getting regular clients?

My thinking is to keep the initial expenses manageable while making sure the people working with me are compensated fairly.

I'm also aware that running a business remotely could come with its own challenges, especially when it comes to communication, managing the team, and maintaining the quality of work.

I'm not expecting this to become profitable overnight. I want to start small, build a client base, and gradually grow the business while continuing my current marketing job in Ireland.

A few things I'd love advice on:

1. Does this sound like a realistic business model, especially when managing it remotely?
2. How would you recommend structuring and paying a small team like this?
3. Is the creative marketing agency market in the Philippines already too saturated, or is there still room for smaller agencies?
4. What would be the best way to approach and secure potential clients when starting from scratch?
5. What challenges should I expect, particularly when it comes to finding clients and managing people remotely?

I'm still in the early planning stages and haven't officially launched anything yet. Right now, I'm mainly doing research, working out potential pricing and services, and trying to figure out the best way to approach everything.

I'd really appreciate any advice, especially from people who have started their own marketing agencies or businesses in the Philippines. I'm open to criticism too, as I'd rather understand the potential challenges before investing too much into it.

Thanks everyone!

Hello po! Recently, dahil sa bagong kabaliwan nanaman ng BIR (the seal badge), inarchive ko muna ang mga crochet post ko sa FB. I have less than 150 followers and average income ko sa isang year is less than 5k lang haha. Dinelete ko na rin yung affiliate videos ko sa shopee (19 pesos lang naging income ko don after almost a year lol).

Sooo, plan ko ngayon is magstop sa pagaffiliate at pagsell ng crochet at magfocus lang muna sa paggawa ng content sa FB page ko (not yet monetized since requirement ni FB is 10k followers para diyan). If ever maging eligible na ako for monetization, I plan on selling crochet again and magpatuloy sa pagaffiliate. So ang mga tanong ko ay:

1. If I do continue my crochet and affiliate journey, what should I register myself if plan ko rin naman magwork as an employee once I graduate (currently as 2nd year college student)?

2. Ano po yung tax percentage na sinasabi nila? Like yung 8% or 3%?

3. About sa bookkeeping po, I have a background knowledge about accounting since business ad student ako. So alam ko paano mag general journal at ledger. However, di lang ako confident dito haha. So if magkaproblema ako sa pagrecord, magkakapenalty po ba ako niyan?

4. Hindi po ba mahirap mag-file mag-isa? Online po ba yung pag file or need pa pumunta sa branch?

5. Mahirap po bang mag-paregister? How much po yung ipreprepare ko na pera if ever?

Sana po may makasagot sa mga tanong ko hehe. Thank you po!