We Offer
G Capital Finance, Inc. offers a variety of loans with minimum requirements at affordable rates.
Our loan products must have a guarantee in exchange for the money that we will finance you.
Minimum Loan Requirements
1. We require our loan applicants to have a stable source of income from a duly registered business or employment for at least one (1) year and a checking account of at least six (6) months.
2. We require the following documents as collateral for each type of loan:
a. REAL ESTATE – Original Transfer Certificate Title for Property
b. CHATTEL or CAR – Original Receipt / Certificate of Registration (OR/CR)
3. We require the client to provide at least one (1) a Co-maker or co-borrower with a stable income.
4. We also require Post Dated Check (PDC) as mode of payment of your loan amortizations. PDCs should be issued to the Company upon the release of your loan.
Documentary Requirements for Individuals / Single Proprietorships
1) Client / Maker
- Application form
- 2 valid government issued IDs of the applicant and spouse, if applicable (photocopy)
- Proof of income
- Self-employed – Latest business permit / financial statements / income tax returns
- Employed – Certificate of employment / Company payslips
- Latest barangay clearance (with “no derogatory records”)
- Original bank statements for the past 3 months with used checks
- Proof of billing – Electric, water or phone bill
- Sketch map of business and residence location
2) Co-Maker
- 1 pc 2×2 ID photo
- 2 government issued IDs of the co-maker (photocopy)
- Proof of income
- Self-employed – Latest business permit
i) Employed – Certificate of employment / Company payslips
- Self-employed – Latest business permit
- Proof of billing – Electric, water or phone bill
Additional Documentary Requirements for Corporations
1) Complete SEC documents (Certificate, AOI and By-Laws)
2) Secretary Certificate with Board Resolution
3) Latest audited financial statements
Additional Documentary Requirements for Specific Loan
1) Real Estate Loan Mortgage
- Tax Declaration
- Vicinity Map
- Latest Tax Clearance
- Latest Land Tax Certificate
2) Chattel Loan Mortgage
- Stencil of motor number and chassis number – 3 copies
- Ocular inspection of the motor vehicle
- Original & photocopy of the Franchise, if passenger type
- LTO confirmation, if registered outside Bacolod City
- OD insurance policy with mortgage endorsement upon approval