Surecycle Finance Corporation
Surecycle Finance Corporation is a Philippines SEC-registered financing company that lends against motorcycle, tricycle, and tricab OR/CR documents at 2.75%–3.25% monthly interest, operating 33 branches across Mindanao with plans for nationwide expansion.
- Company typePrivate
- Founded2020
- HeadquartersDigos, Philippines
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What Surecycle Finance Corporation does
Surecycle Finance Corporation (SFC) is a Securities and Exchange Commission–registered Philippine financing company that provides collateral loans, marketed as Sangla OR/CR, against the Official Receipt and Certificate of Registration of motorcycles, tricycles, and tricabs. Borrowers pledge the vehicle documents as security without surrendering the unit, qualifying in 24 to 48 hours with monthly interest rates ranging from 2.75% (tricycles) to 3.25% (motorcycles). Maximum loanable amounts are ₱35,000 for tricycles, ₱70,000 for tricabs, and ₱300,000 for motorcycles, with terms of 12 to 24 months depending on vehicle class and model year. The company also operates a secondary Repossessed Units marketplace selling defaulted vehicles at discount.
The company was formally established in January 2020 with its first branch in Digos, grew from five branches at year-end 2020 to 33 branches across Mindanao, and has 501 to 1,000 employees. SFC runs a branch-led, direct-to-consumer go-to-market supplemented by online applications via its website and Facebook page, a commissioned Loan Agent network for community reach, and an inside-sales motion where loan specialists contact applicants within 24 to 48 hours. Revenue is generated entirely from interest income on collateral loans, with no disclosed technology platform; underwriting, servicing, and collections rely on standard document checks, branch staff, and ten third-party collection agencies. Payment partners include ECPay, Palawan Pawnshop, MLhuillier, Cebuana Lhuillier, and GCash.
SFC is privately held with no disclosed institutional investors, parent company, or funding history. Headquartered in Davao City under SEC registration CS202000093 and Certificate of Authority No. 1259, the company plans nationwide geographic expansion of branches by 2026 and entered a partnership dialogue with the Davao City LGU in January 2026 covering public-sector employee endorsement and financial assistance programs.
Surecycle Finance Corporation firmographics
Firmographics- Name
- Surecycle Finance Corporation
- Legal name
- Surecycle Finance Corporation
- Website
- https://surecycle.ph
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Surecycle Finance Corporation is a Philippines SEC-registered financing company that lends against motorcycle, tricycle, and tricab OR/CR documents at 2.75%–3.25% monthly interest, operating 33 branches across Mindanao with plans for nationwide expansion.
- Ownership category
- akta.pro rank
Surecycle Finance Corporation industry classification
Industry- Product category
- Consumer Vehicle Collateral Lending
- NAICS
- Sales Financing (52222)
- akta.pro primary industry
- Auto Title Loans (FSAKALAB)
- akta.pro secondary industries
- Auto Title Loans (Vehicle-Backed Short-Term) (FSAKADAJ), Motorcycle & Powersports Finance (FSAKADAG), Auto Loan Servicing & Collections (FSAKADAK)
Keywords
Where Surecycle Finance Corporation is headquartered
LocationHeadquarters
- HQ city
- Digos
- HQ country
- Philippines
- HQ region
- Asia
Offices32 records
Markets served
Surecycle Finance Corporation business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Interest Income from Collateral Loans: The primary revenue stream is interest income earned from collateral loans (Sangla OR/CR) extended to motorcycle, tricycle, and tricab owners. Interest rates range from 2.75% to 3.25% monthly depending on the vehicle type and whether the unit is for private use or for-hire.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Motorcycle Prenda OR/CR: As low as 3.25% interest, up to ₱300,000 maximum loanable amount |
| Subscription | Monthly | Tricycle Prenda OR/CR: As low as 2.75% interest, up to ₱35,000 maximum loanable amount |
| Subscription | Monthly | Tricab Prenda OR/CR: As low as 3% interest, up to ₱70,000 maximum loanable amount |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Surecycle Finance Corporation product offering
Product offeringCore offering
Surecycle Finance Corporation provides collateral-based short-term loans (Sangla OR/CR) to motorcycle, tricycle, and tricab owners who pledge their Official Receipt and Certificate of Registration as security while continuing to use the vehicle. Loan principal ranges from ₱35,000 to ₱300,000 depending on vehicle type, with monthly interest rates between 2.75% and 3.25%, terms of 12-24 months, and approvals issued within 24-48 hours. The company also retails repossessed motorcycles, tricycles, and tricabs at discounted prices.
Product overview
Surecycle Finance Corporation offers a unified financial product portfolio centered on Sangla OR/CR collateral loans, with three specialized variants for different vehicle types (motorcycles, tricycles, and tricabs), plus a secondary Repossessed Units marketplace. The core Sangla OR/CR product allows borrowers to access quick cash using their vehicle documents as collateral without surrendering the unit. The company operates primarily in Mindanao with 33 branches and plans nationwide expansion.
Differentiator
Problem solved
Functional benefit
Products and services
- Sangla OR/CR Umbrella collateral loan program from Surecycle Finance Corporation allowing motorcycle, tricycle, and tricab owners to borrow money using their Official Receipt (OR) and Certificate of Registration (CR) as security while keeping the vehicle in use. Qualified applicants must be Filipino citizens aged 21-59 (60+ with co-borrower), with documented proof of income and basic requirements including original OR/CR, two valid IDs, spouse ID if married, proof of billing, barangay clearance, and proof of income.
- Motorcycle Sangla OR/CR Collateral loan for motorcycle owners using OR/CR as security while keeping the motorcycle in use. Interest rates start at 3.25% monthly, with a maximum loanable amount of ₱300,000. Term lengths depend on engine displacement and model year: 125cc and below with 2013-2018 models = 12 months, 2019-present = 18 months; 150cc and higher with 2013-2017 models = 12 months, 2018-present = 24 months. Approval in as fast as 24 hours.
- Tricycle Sangla OR/CR Collateral loan for tricycle owners and operators using OR/CR as security while keeping the tricycle in use. Interest rates start at 2.75% monthly for franchised/MTOP and non-China Japan tricycles, 3% for Deed-of-Sale and China units, and 3% for private-used tricycles (Japan or China brand). Maximum loanable amount is ₱35,000. Approval in as fast as 24 hours.
- Tricab Sangla OR/CR Collateral loan for tricab owners and operators using OR/CR as security while keeping the tricab in use. Interest rates start at 3% monthly for BaoBao Private and for-hire tricabs, with a maximum loanable amount of ₱70,000. Loan term ranges from 12 to 24 months. Accepted brands include TVS King, Bajaj RE, Motorposh Pinoy Trike, Rusco, Rusi, and Skygo. Approval in as fast as 24 hours.
- Repossessed Units Secondary offering of repossessed motorcycles, tricycles, and tricabs available for purchase at discounted prices for customers seeking affordable pre-owned vehicles.
Quantifiable outcome
- Approval within 24-48 hours compared to 1-2 weeks for bank loans
- +1 more outcomes
Companies that use Surecycle Finance Corporation
Customer profileSegments4 records
Ideal customer profiles4 records
Surecycle Finance Corporation technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Surecycle Finance Corporation partnerships and signals
Strategic signalPartnerships
20 partnerships are on record, tiered core and minor.
- Davao City Local Government Unit (Davao City LGU)corePartnership meeting held on January 9, 2026 at Davao City Tourism, Investment and Promotions Building. Proposes partnership program including endorsement of qualified employees, fraud protection, and additional financial assistance channels for the public sector. Attended by representatives from City Transportation and Traffic Management Office, Davao Bus Office, City Cooperative Development Office, BCCAD, and City Social Welfare and Development Office. Endorsed by Davao City Investment Promotion Center.
- Asialink Finance CorporationminorAffiliated financing company within the Surecycle network. Provides additional financing services and operates as part of the broader financing ecosystem in the Philippines. Contact: +63 917 808 9215 / 02 8709 7777.
- Global Dominion Financing, Inc. (GDFI)minorAffiliated financing company offering additional financial products. Has a Facebook page for customer engagement. Contact: +63 917 827 2742 / +63 968 874 4068.
- South Asialink Finance CorporationminorAffiliated financing company within the network. Has official Facebook presence for customer communication.
- Eagle Eye Business & Collection Services Inc.minorCollection services provider handling loan repayments and debt collection for Surecycle Finance. Contact: +63 917 705 7548.
- Executive Collection & Credit Management Services Inc.minorCredit management and collection services partner. Contact: +63 917 626 7347.
- Sparta Credit Mgmt. Services, Inc.minorCollection management services provider with Facebook page for engagement.
- Titan Collection and Credit ManagementminorCollection and credit management services. Contact: +63 946 644 3884.
- Annapolis Credit Management Services, Inc.minorCredit management services provider. Contact: +63 995 748 0809.
- Supreme Collection Management Services, Inc.minorCollection management services. Contact: +63 917 656 1997.
- First Maharlika Collection Management, Inc.minorCollection management services provider. Contact: +63 8706 3839.
- Elite Collection and Business Services Inc.minorCollection and business services. Contact: +63 907 752 1915.
- Vanguard Collection Management Inc.minorCollection management services. Contact: +63 951 855 7447 / +63 917 821 8570.
- Westpoint Collection and Business Services, Inc.minorCollection and business services. Contact: 02 8637 3949.
- Centurion Collection Management, Inc. (CCMI)minorCollection management services provider. Contact: 02 7577 5716.
- ECPayminorPayment partner for loan repayments and collections.
- Palawan PawnshopminorPayment partner providing additional remittance and collection channels for customers.
- MLhuillierminorPayment partner providing pawnshop-based payment and remittance services.
- Cebuana LhuillierminorPayment partner providing microfinance and remittance services for loan collections.
- GCashminorDigital payment partner for online loan repayments and fund transfers.
Scale indicators2 records
Recent moves8 records
Expansion highlights5 records
Surecycle Finance Corporation competitors and assessment
Company assessmentEmerging players
- Cashalo: Philippines-headquartered digital lending platform offering quick cash loans to consumers and gig-economy workers. Targets overlapping customers (delivery riders, motorcycle owners, informal workers) through a technology-driven alternative to traditional pawn lending.
- Tala Philippines: Digital micro-lending platform serving underbanked Filipinos with mobile-first short-term credit. Competes with Surecycle for the same unbanked/underbanked borrower segment but through a fully digital, app-based model rather than a branch-based pawn model.
- Plentina: Philippines-based digital lending fintech providing accessible credit to underserved consumers. Represents the emerging digital-first competition that could pressure Surecycle's branch-based collateral-loan model over time.
Direct peers
- Global Dominion Financing, Inc. (GDFI): Philippines financing company and affiliate of Surecycle, providing similar collateral-based loan products. Operates within the same network and regulatory framework with overlapping customer segments.
- Asialink Finance Corporation: Philippines-based financing company and listed affiliate of Surecycle, offering similar vehicle-collateral lending products to motorcycle and tricycle owners. Most directly comparable in product, customer segment, and regulatory positioning.
- South Asialink Finance Corporation: Affiliate financing company within the Surecycle network offering comparable collateral-loan products to vehicle owners in the Philippines. Shares operational patterns and target customer base.
Broad incumbents
- Cebuana Lhuillier: Major Philippine pawnshop and microfinance chain offering pawn, remittance, and micro-lending services including vehicle-collateral loans. Competes with Surecycle as a much larger incumbent and serves as a payment-collection partner.
- Palawan Pawnshop: One of the largest pawnshop chains in the Philippines with thousands of branches nationwide. Offers vehicle-title and OR/CR loans alongside many other pawn products, serving as both a payment partner and a broad incumbent competitor to Surecycle.
- M Lhuillier: Large Philippine pawnshop and financial services network with nationwide branch coverage. Offers similar vehicle-collateral lending products as part of a broader service portfolio that includes remittance and micro-lending.
Others
- GCash (G-Xchange, Inc.): Philippines' largest mobile wallet and digital financial services platform, and a payment partner of Surecycle for loan collections. Increasingly offers its own short-term credit products (GCredit, GGives), positioning it as a potential adjacent competitor and ecosystem enabler.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Surecycle Finance Corporation social profiles
Digital presenceSurecycle Finance Corporation compliance and trust
Trust signalCompliance3 records
Surecycle Finance Corporation financial estimates
Financial estimateRevenue estimate
Valuation estimate
Surecycle Finance Corporation leadership team
Management profileNumber of profiles
Profiles1 record
Surecycle Finance Corporation funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Surecycle Finance Corporation M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Surecycle Finance Corporation
What does Surecycle Finance Corporation do?
Surecycle Finance Corporation provides collateral-based short-term loans (Sangla OR/CR) to motorcycle, tricycle, and tricab owners who pledge their Official Receipt and Certificate of Registration as security while continuing to use the vehicle. Loan principal ranges from ₱35,000 to ₱300,000 depending on vehicle type, with monthly interest rates between 2.75% and 3.25%, terms of 12-24 months, and approvals issued within 24-48 hours. The company also retails repossessed motorcycles, tricycles, and tricabs at discounted prices.
Is Surecycle Finance Corporation a public or private company?
Surecycle Finance Corporation is a private company. It is classified as unknown and is currently operating.
When was Surecycle Finance Corporation founded?
Surecycle Finance Corporation was founded in 2020. It employs 501 to 1,000 people.
Where is Surecycle Finance Corporation based?
Surecycle Finance Corporation is headquartered in Digos, Philippines, in the Asia region.
How does Surecycle Finance Corporation make money?
One revenue line is on record: interest Income from Collateral Loans.
Who are Surecycle Finance Corporation's main competitors?
Emerging players on record are Cashalo, Tala Philippines and Plentina. Direct peers are Global Dominion Financing, Inc. (GDFI), Asialink Finance Corporation and South Asialink Finance Corporation. Broad incumbents are Cebuana Lhuillier, Palawan Pawnshop and M Lhuillier. GCash (G-Xchange, Inc.) is listed as an others.
Does Surecycle Finance Corporation have an API?
No public API is recorded for Surecycle Finance Corporation.
What industry is Surecycle Finance Corporation in?
Surecycle Finance Corporation's product category is Consumer Vehicle Collateral Lending. Its primary akta.pro industry code is FSAKALAB, Auto Title Loans, with a secondary code of FSAKADAJ, Auto Title Loans (Vehicle-Backed Short-Term). Its NAICS code is 52222.