A dedication to sustainability and innovation
The Rural Electrification Financing Corporation (REFC) was established in 2000 as an alternative financing source for Philippine Electric Cooperatives (ECs) in the restructured electric power industry. It provides supplemental loans at the lowest possible lending rate, enabling ECs to provide adequate, dependable, and high-quality service. REFC also established the Rural Electrification Trading Corporation (RETC) to expand loan packages to ECs through technology-driven and cost-effective materials, equipment, consulting, and other services. REFC and RETC aim to become preferred service providers for ECs, ensuring financial and related needs are met. Both companies have developed professionals in management, technical, financial, and institutional concerns in the rural electrification sector.
Out Services
Our company is pleased to offer a comprehensive range of loan services to meet your financial needs.
Working Capital Loan
Our working capital loan product is designed to empower businesses by providing flexible and accessible financing solutions. Tailored to meet the dynamic needs of companies across various industries, our loan enables you to manage day-to-day expenses, seize growth opportunities, and maintain liquidity effortlessly. With competitive rates and customizable terms, we strive to support your business’s financial stability and growth aspirations.
Commodity and Equipment Loan
Our commodity and equipment loan product is crafted to assist businesses in acquiring essential assets necessary for operational efficiency and growth. Whether you need to purchase machinery, vehicles, or other equipment, our loan offers flexible terms and competitive rates tailored to your specific industry needs. With a streamlined application process and personalized service, we are committed to helping you enhance productivity, expand capabilities, and achieve long-term success.
Vehicle Fleet Program
Our vehicle fleet program loan is designed to support businesses in expanding and optimizing their transportation capabilities. Whether you’re looking to upgrade your existing fleet or launch a new one, our loan offers flexible financing solutions with competitive rates and terms. With streamlined application processes and dedicated support, we empower businesses to enhance efficiency, reduce operational costs, and maintain a reliable fleet to meet growing demands effectively.
Term Loan
Our term loan product provides businesses with a straightforward and structured financing solution tailored to their specific needs. Whether you’re looking to expand operations, upgrade equipment, or finance other long-term projects, our loan offers fixed repayment schedules and competitive interest rates. With flexible terms and personalized service, we strive to empower businesses to achieve their growth objectives efficiently and sustainably.
Loan Refinancing
Our loan refinancing service offers businesses the opportunity to optimize their financial obligations by consolidating existing loans into a single, more manageable repayment structure. With competitive rates and flexible terms, our refinancing options help businesses reduce monthly payments, lower interest costs, and improve cash flow. Whether you’re seeking to extend repayment timelines or secure better terms, our tailored refinancing solutions are designed to support your long-term financial health and organizational goals effectively.
Leasing
Our leasing service provides businesses with a flexible and cost-effective solution to acquire essential equipment and assets without the upfront capital expenditure. Tailored to meet diverse industry needs, our leasing options offer predictable monthly payments and customizable terms. Whether you require machinery, vehicles, or technology, our streamlined process and dedicated support ensure smooth acquisition and operational efficiency. Leverage our leasing solutions to enhance productivity, preserve cash flow, and stay competitive in your market with ease.
“Cultivating financial empowerment and fostering growth are at the heart of everything we do. Together, we innovate, empower, and build futures.”