JUANAsenso: Angat sa Negosyo – SAFC Empowers Women Entrepreneurs through New Loan Program

In today’s fast-paced business landscape, financial access can make or break a dream—especially for women entrepreneurs looking to scale their small businesses. Recognizing this, SAFC launched an empowering initiative called JUANAsenso: Angat sa Negosyo, a campaign specifically designed to support women entrepreneurs through flexible and accessible loan options.

SAFC, a trusted financial institution in the Philippines, has long been committed to promoting financial inclusion and economic upliftment. Our core mission? To enable underserved communities—especially women and MSMEs (Micro, Small, and Medium Enterprises)—to gain access to the tools and resources they need to succeed.

JUANAsenso: Angat sa Negosyo is more than just a loan program. It’s a movement that opens doors for hardworking Filipinas who need additional capital or reliable vehicles—be it a car for deliveries or a truck for operations—to grow their businesses efficiently and sustainably.

A Women Empowerment Initiative Rooted in Action

Through JUANAsenso, SAFC offers unique rates on car and truck refinancing loans (Sangla ORCR) exclusively for women entrepreneurs. This initiative recognizes the vital role that women play in the local economy and addresses the unique challenges they face—from lack of collateral to limited access to affordable financing.

With options for competitive interest rates, and flexible payment terms, JUANAsenso is built with the real-life needs of Filipina business owners in mind.

In a market where access to capital can define the future of a small business, SAFC stands out with targeted financial products designed to uplift women-led enterprises. Through JUANAsenso: Angat sa Negosyo, SAFC empowers Filipina entrepreneurs with more affordable and flexible financing options—perfect for businesswomen looking to expand her business.

Let’s break down how these special offers are reshaping opportunities for women in business.

Special Loan Rates for Car Refinancing (Sangla ORCR)

One of the standout features of SAFC’s initiative is its updated car refinancing options (Sangla ORCR)—tailored for women entrepreneurs who want to unlock the value of their existing vehicles while keeping operations running smoothly.

Here’s a comparison of the updated loan rates:

Vehicle Age	Rate
5 years old & newer	1.20%
6 to 10 years old	1.30%
11 years and older	1.50%

Allowable loan terms are also generous and designed for flexibility:

• 5 years & newer: 12 to 60 months
  
• 11 years & older: 12 to 24 months

These updates mean lower monthly payments and more accessible capital for women entrepreneurs who want to use their car’s value to reinvest in marketing, inventory, or daily operations.

Perfect for: Home-based sellers, service providers, and small-scale distributors who need additional funds without losing access to their vehicle.

Competitive Truck Refinancing Offers

For those in logistics, construction, food delivery, or any product-heavy business, SAFC also offers refinancing for trucks—a game-changer for women who rely on larger vehicles for daily business.

Here’s a breakdown of updated truck refinancing interest rates:

Loan Term	Rate
12 to 24 months	1.45%
36 months	1.50%

These rates are specially curated to provide cost-effective refinancing for women-owned logistics and delivery businesses, giving them the breathing room to expand their operations without breaking the bank.

Tip: Refinancing with lower interest rates not only eases monthly cash flow but also helps improve overall financial health—especially useful for MSMEs planning to scale.

Why These Changes Matter for Women Entrepreneurs

By lowering the interest rates and adjusting the loan terms, SAFC is doing more than offering financing. It’s building financial confidence for women, making it easier to say yes to new business opportunities, unexpected growth, or even emergency expenses.

Whether it’s for a car or truck, SAFC’s refinancing solutions are crafted to:

• Reduce financial stress
  
• Free up capital for reinvestment
  
• Help sustain long-term business growth

These improvements directly support female business owners in the Philippines who often face limited loan access, especially in traditional banking environments.

Whether you’re a sari-sari store owner in the barangay or a logistics operator handling deliveries across Luzon, this new loan program is meant for you, the modern-day Filipina entrepreneur.

Guidelines and Qualifications

To ensure the program empowers its target audience—women entrepreneurs—SAFC has put clear and inclusive qualifications in place:

1. Open to both new and renewal accounts
   Only Sangla ORCR (car and truck refinancing) loan applications are covered by this program, including both first-time applicants and returning clients. This makes it flexible for those just starting or looking to restructure their finances.
2. Business permit must be under a woman’s name
   The core requirement of JUANAsenso is that the female entrepreneur is the primary business owner. This ensures that the benefits are directly extended to women running MSMEs.
3. Male borrowers can apply with a female co-borrower
   If the vehicle or loan will be under a male name, SAFC still allows applications—as long as a woman co-borrower tied to the business is included. This co-borrower must be actively involved in the enterprise, helping maintain the integrity of the program’s gender-empowerment goals.

By focusing on these guidelines, JUANAsenso ensures that female-led businesses receive targeted support, while still being flexible enough to include collaborative business arrangements.

To help you feel confident and informed before applying, we’ve answered some of the commonly asked questions about the JUANAsenso: Angat sa Negosyo loan program. Whether you’re a first-time borrower or returning client, this section covers everything you need to know about women entrepreneur loan terms, eligibility, and coverage.

What makes the JUANAsenso loan different?

The JUANAsenso loan stands out because it’s designed specifically for women-led businesses in the Philippines. Unlike traditional vehicle refinancing options, this program:

• Offers exclusive, reduced interest rates
• Prioritizes women borrowers or partnerships with female co-borrowers
• Supports business continuity by freeing up capital while allowing continued use of the vehicle

It’s a gender-inclusive loan created to make business financing more accessible and empowering for Filipina entrepreneurs.

Can I apply if I’m a co-borrower?

Yes! If you’re a female co-borrower involved in the business, you’re eligible—as long as the primary borrower is tied to the same enterprise. If the primary borrower is male, SAFC requires that the co-borrower be a female business partner or owner to meet the program’s gender focus.

This structure helps promote shared responsibility while ensuring that the financial benefit directly supports women in business.

Are there any hidden fees?

Transparency is key. SAFC ensures that all loan terms and charges are clearly disclosed upfront. While standard fees (such as processing or documentary stamp tax) may apply, there are no hidden charges buried in the fine print.

Applicants will receive a full breakdown of costs before finalizing the loan—no surprises, just support.

Is this offer available nationwide?

Yes! The JUANAsenso program is available nationwide through SAFC’s network of branches and accredited agents. Whether you’re based in Metro Manila, Luzon, Visayas, or Mindanao, you can apply and benefit from these special refinancing rates and inclusive terms.

This nationwide accessibility ensures that more Filipina entrepreneurs across the country can tap into this opportunity for business growth and financial empowerment.

Ready to take the next step toward business growth? Whether you’re planning to expand operations, improve cash flow, or refinance your vehicle for better financial flexibility, applying for the JUANAsenso loan is simple, straightforward, and empowering.

Here’s how to get started:

Step-by-Step Application Process

1. Prepare your documents
   Gather all the required paperwork (see list below) to speed up your application.
2. Visit an SAFC branch or accredited partner agent
   Head to your nearest SAFC branch or contact an authorized agent for in-person or virtual assistance.
3. Submit your documents
   Provide all necessary requirements. SAFC loan officers will evaluate your application.
4. Wait for loan assessment and approval
   You’ll receive a call or text regarding the status of your loan, including the terms offered.
5. Sign the contract and release your loan
   Once approved, sign the contract and receive the loan proceeds—no need to surrender your vehicle.
   

Documents Needed

To ensure a smooth application, prepare the following:

For Vehicle Owner (Borrower or Co-Borrower)

• Valid government-issued ID (with signature and photo)
• Latest OR/CR of the vehicle
• Documented Proof of Income 

For Business Verification

• Barangay business permit or Mayor’s Permit
• Proof of business activity (photos, receipts, etc.)

Note: For male borrowers, a female co-borrower connected to the business is required.

Where to Go or Who to Contact

Visit any SAFC branch near you—conveniently located across Metro Manila, Luzon, Visayas, and Mindanao.

Need help? Contact SAFC directly:

• Facebook Page: https://www.facebook.com/safc.ph
• Email: [email protected]
• Phone: 0917-8578314 / 0917-1483767
  

You can also send a message through our official website or chat support to speak to a loan advisor.

Whether you’re just starting your entrepreneurial journey or already managing a growing business, the JUANAsenso: Angat sa Negosyo loan program is here to support you. With reduced rates, inclusive qualifications, and a strong focus on women-led businesses, SAFC makes it easier for Filipina entrepreneurs to succeed.

At SAFC, empowering women isn’t a one-time campaign — it’s a commitment. The JUANAsenso: Angat sa Negosyo loan program is just one step toward building a more inclusive and supportive financial ecosystem for Filipina entrepreneurs across the Philippines.

Take the Driver’s Seat in Your Business Journey

If you’re a woman running a micro, small, or medium-sized enterprise — or even just starting out — this is your sign to take charge of your growth.

• Tap into car refinancing for women
• Enjoy competitive truck loan terms with inclusive financing
• Get financial support that understands your needs as a woman in business

Don’t wait for the “right time” — the right opportunity is already here. Apply for the JUANAsenso loan and experience the difference of financing built for you.