Zenith Capital

Name

Zenith Capital

Legal name

Zenith Capital Credit Group Corporation

Website

https://zenithcapital.ph

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

SME Business Lending

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

akta.pro secondary industry

Middle-Market Lending (FSANADAI)

Keywords

• Business lending services
• SME financing
• Corporate loans
• Unsecured business loans
• Collateral business loans

Headquarters

HQ city

Taguig

HQ country

Philippines

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Interest Income: Primary revenue stream from monthly interest charges on business loans. Interest rates range from 2.5% to 3.5% per month depending on loan type and collateral requirements.
2. Processing Fees: One-time processing fee of 5% deducted from loan proceeds, covering government-related taxes and administrative costs.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Zenith Capital is a Philippine-based non-bank lending company that provides business loans to small, medium, and large enterprises. Its two core products are the Ka-aZENso SME Quick Loan (₱100,000–₱1,000,000, unsecured) and the ZenPlus Corporate Fund (₱1,500,000–₱100,000,000, secured), with monthly interest rates of 3.5% and 2.5% respectively and a 5% processing fee, amortized over 3–6 months.

Product overview

Zenith Capital is a Philippine-based business lending company offering two core loan products: the Ka-aZENso SME Quick Loan for small and medium enterprises seeking up to ₱1 Million without collateral, and the ZenPlus Corporate Fund for established corporations requiring larger financing up to ₱100 Million. The company also provides an online loan calculator for prospective borrowers to estimate monthly costs. Both products feature fast processing (24-72 hours), transparent pricing, and no hidden fees, targeting SMEs and corporate clients seeking accessible business financing.

Differentiator

Problem solved

Functional benefit

Brands

• Ka-aZENso: SME Quick Loan product designed for small and medium businesses, offering loans from ₱100,000 to ₱1,000,000 with fast approval and no collateral required.
• ZenPlus

Products and services

• Ka-aZENso SME Quick Loan An unsecured business loan product designed for Filipino small and medium enterprises, offering financing from ₱100,000 up to ₱1,000,000 with a 3.5% monthly interest rate, a one-time 5% processing fee, amortized terms of 3–6 months, and no collateral required. Intended for working capital, inventory restocking, equipment purchase, business expansion, and cash flow management.
• ZenPlus Corporate Fund A collateral-backed corporate financing product for medium and large Filipino enterprises, offering loans from ₱1,500,000 up to ₱100,000,000 with a 2.5% monthly interest rate, a one-time 5% processing fee, and amortized terms of 3–6 months. Used for corporate expansion, large-scale equipment acquisition, major capital investments, and operational scaling.

Quantifiable outcome

• 10,000+ clients served with ₱14 Billion+ in business loans released
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Bangko Sentral ng PilipinascoreOthersZenith Capital is registered under and regulated by the Bangko Sentral ng Pilipinas (BSP), the central bank of the Philippines. BSP registration ensures the company operates within regulatory guidelines for lending institutions.
• Securities and Exchange Commission (Philippines)coreOthersSEC registered corporation (SEC Registration Number CS201733762) operating under Philippine law. Certificate of Authority to Operate No. 2581.
• Department of Trade and Industry (DTI Philippines)coreOthersDTI Philippines registered business, ensuring compliance with national standards for business operations in the Philippines.
• Philippine Chamber of Commerce and IndustryminorOthersMember of the Philippine Chamber of Commerce and Industry, indicating participation in the broader business community and adherence to industry standards.
• Philippine Franchise AssociationminorOthersMember of the Philippine Franchise Association, demonstrating involvement in the franchise business ecosystem.
• Philippine SME Business ExpominorOthersActive participant in Philippine SME Business Expo events, positioning the company within the SME support ecosystem.

Scale indicators5 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Asialink Finance Corporation: One of the largest non-bank lending companies in the Philippines, offering SME and consumer loan products with similar unsecured and secured structures. Directly comparable to Zenith in business model, target customers (Filipino SMEs and consumers), and regulatory posture as a BSP-registered financing company.
• FundKo: Philippine SME-focused online lending platform providing short-term working capital loans to small businesses. Highly comparable to Zenith's Ka-aZENso product in customer segment (asset-light SMEs), ticket size, and use case (working capital, inventory, expansion).
• BillEase (First Digital Finance Corporation): Leading Philippine digital lending fintech offering installment loans, BNPL, and SME cash loans. Comparable as a Philippine-headquartered non-bank lender using digital onboarding and risk-based pricing to serve underbanked borrowers, including small businesses.
• Tala Philippines: Global fintech lender with significant Philippines operations, providing short-term uncollateralized loans to underserved consumers and micro-entrepreneurs via a mobile app. Comparable in product type (small-ticket, uncollateralized, short-term) and Philippine customer focus.
• GCash (Mynt / Globe Fintech Innovations): Dominant Philippine e-wallet offering GCash Loan, GCredit, and GGives — short-term digital credit products targeting the same underbanked mass-market and SME-adjacent segment as Zenith. Increasingly competing for the same customers through a digital-only channel.
• SB Finance: Philippine financing company offering personal and business loan products with similar uncollateralized structures and short-term amortizations. Comparable as a non-bank, BSP-registered lender competing for similar Filipino SME and consumer borrowers.

Broad incumbents

• Tonik Digital Bank: Philippine neobank offering deposits, savings, and personal/business loans via a fully digital platform. Comparable customer segment (underbanked Filipinos) and overlapping loan products, though operating as a chartered bank with deposit funding rather than a non-bank lender.
• Maya Bank: Philippine neobank providing digital banking, payments, and credit products to consumers and small businesses. Competes with Zenith for similar underbanked Filipino borrowers through a digital-only experience and rapidly expanding lending book.
• UnionBank of the Philippines: One of the Philippines' largest universal banks with a publicly stated focus on SME and digital banking. Serves as the incumbent benchmark against which Zenith positions its speed and accessibility advantages; provides the conventional alternative that Zenith explicitly contrasts itself against.
• SME Bank (Development Bank of the Philippines): Government-owned Philippine bank with an explicit SME lending mandate and subsidized programs. Indirect competitor/alternative for the same SME borrower segment, particularly in the secured, larger-ticket space where ZenPlus also operates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ZenithCapitalCredit

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Zenith Capital