Unicapital

What Unicapital does

Unicapital Inc. is a Philippines-based, SEC-licensed full-service investment house headquartered in Makati City, operating through three subsidiaries that segment its business into investment banking (Unicapital Inc.), financing (Unicapital Finance and Investments, Inc., or UFII), and securities brokerage (Unicapital Securities, Inc., or USI). The firm serves retail investors, SMEs, and corporate clients across the Philippine capital markets. Its product set spans investment banking advisory and underwriting, an online stock trading platform (UTrade) with 100% digital account opening and Digital KYC, fixed income products (treasury bills, notes, bonds), mutual fund distribution, and loan products under the ULoan Business (short-term, revolving credit, receivables discounting, fleet financing) and ULoan Personal (salary and seafarer's loans) franchises.

The business model combines episodic transaction-based fee income from IB mandates (e.g., underwriting and rights offerings) with recurring revenue from trading commissions, loan interest, and product distribution. Its capital markets track record includes the Union Bank of the Philippines ₱10 billion Stock Rights Offering (2024), the Alternergy ₱1.6 billion IPO (first IPO of 2023), the AREIT ₱6.4 billion IPO (Philippines' first REIT), and a ₱500 million SRO for Philippine Business Bank. Operational scale is supported by a loan agent network and, on the technology side, by a 2024 partnership with AND Solutions to deploy the mindoX Intelligent Document Processing platform for onboarding and back-office document workflows. The firm has received industry recognition including Asian Banking & Finance Awards (2024, 2022), IHAP Best Equity Deal and Deal of the Year (2022), and Best IPO of 2022 from The Asset Magazine.

Name

Unicapital

Legal name

Unicapital Inc.

Website

https://unicapital-inc.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

51–100 employees

Short description

Unicapital is a SEC-licensed, Philippines-based full-service investment house operating three subsidiaries across investment banking, securities brokerage, and financing, serving retail investors, SMEs, and corporate clients via the UTrade platform, ULoan products, and capital markets advisory.

Ownership category

akta.pro rank

Product category

Investment Banking Services

NAICS

Investment Banking and Securities Intermediation (52315), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Security Brokers, Dealers & Flotation Companies (6211), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Structured Finance Origination, Underwriting & Distribution (FSACACAL)

akta.pro secondary industries

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF), Secured-to-Unsecured Refinance Personal Loans (Unsecured Installment) (FSAKAAAI)

Keywords

• Investment banking services
• Online stock trading
• Securities brokerage
• Small business financing
• Personal salary loans

Headquarters

HQ city

Makati

HQ country

Philippines

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain

Revenue model

1. Investment Banking Services: Revenue from strategic and financial advisory, underwriting and private placement, mergers and acquisitions, corporate restructuring, and project finance engagements with corporate clients.
2. Securities Trading Commissions: Commission revenue from stock trading executed through the UTrade platform on the Philippine Stock Exchange, including equities and mutual fund transactions.
3. Fixed Income Products Distribution: Revenue from distributing treasury bills, fixed rate treasury notes, retail treasury bonds, peso corporate bonds, dollar corporate bonds, and other government securities.
4. Loan Products Interest: Interest income from business loans (short-term business loans, revolving credit lines, receivables discounting), motorcycle fleet financing, truck financing, and personal loans (corporate salary loans, personal salary loans, seafarer's loans).
5. Mutual Fund Distribution: Revenue from distribution of mutual fund products to retail investors through the UTrade platform.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels8 records

Core offering

Unicapital is a full-service Philippine investment house that delivers investment banking services (strategic and financial advisory, underwriting and private placement, M&A, corporate restructuring, project finance), online securities brokerage through the UTrade platform for trading equities and mutual funds on the Philippine Stock Exchange, fixed income product distribution (Treasury Bills, FXTNs, RTBs, peso and dollar corporate bonds), and lending via the ULoan Business and ULoan Personal brands. It operates three licensed subsidiaries—Unicapital Inc., Unicapital Securities, Inc. (PSE member), and Unicapital Finance and Investments, Inc.—providing an end-to-end suite of finance, investment, and lending solutions to SMEs, retail investors, and large corporate clients in the Philippines.

Product overview

Unicapital is a full-service investment house licensed by the Philippine Securities and Exchange Commission (SEC Registration No. 68716, Certificate of Authority No. 0022) offering a comprehensive suite of financial services through its three main subsidiaries. The product portfolio centers on three core pillars: (1) UTrade - an online stock trading platform for equities investing on the Philippine Stock Exchange, (2) ULoan - a financing platform encompassing business loans (Short-term Business Loans, Revolving Credit Lines, Receivables Discounting, Fleet Financing, Truck Financing) and personal loans (Personal Salary Loans, Seafarer's Loans, Corporate Salary Loans), and (3) Investment Banking - providing advisory, underwriting, M&A, and project finance services. Additional offerings include fixed income products (Treasury Bills, Treasury Notes, Retail Treasury Bonds, Corporate Bonds in PHP and USD), mutual funds, and a referral agent program. The subsidiaries include Unicapital Securities, Inc. (USI) for brokerage operations and Unicapital Finance and Investments, Inc. (UFII) for lending activities.

Differentiator

Problem solved

Functional benefit

Products and services

• UTrade Online Stock Trading Platform Online stock trading platform offered by Unicapital Securities, Inc. that enables investors to buy and sell stocks on the Philippine Stock Exchange, with real-time market data, customizable layouts, charting tools, 100% digital account opening, and PC/mobile access.
• ULoan Business Financing Solutions Business financing brand under Unicapital Finance and Investments, Inc. providing customized SME financing solutions including short-term business loans, revolving credit lines, receivables discounting, motorcycle fleet financing, and truck financing with quick credit within 7 business days or less.
• ULoan Personal Loans Personal loan products including Personal Salary Loans for employees and Seafarer's Loans for overseas Filipino workers, distributed through the ULoan referral network and corporate HR channels.
• Investment Banking Services Full-service investment banking providing strategic and financial advisory, underwriting and private placement, mergers and acquisitions, corporate restructuring, and project finance services for corporate clients.
• Short-term Business Loan Short-term financing solution under ULoan Business designed for immediate working capital needs with quick approval and flexible repayment terms for SMEs.
• Revolving Credit Line Flexible credit facility under ULoan Business allowing businesses to draw, repay, and redraw funds as needed for ongoing working capital access.
• Receivables Discounting Financing solution under ULoan Business enabling businesses to convert outstanding invoices into immediate cash by selling receivables at a discount.
• Motorcycle Fleet Financing Specialized financing under ULoan Business for businesses acquiring motorcycles for delivery, sales, or operational fleets, supporting last-mile logistics operations.
• Truck Financing Vehicle financing solution under ULoan Business for businesses acquiring trucks to support logistics, transportation, and supply chain operations.
• Corporate Salary Loan Employee-benefit financing product under ULoan Personal that lets corporations provide salary loans to their employees, facilitated through the ULoan platform.
• Personal Salary Loan Individual salary-based loan product under ULoan Personal providing personal financing for employees with income verification through employer partnerships.
• Seafarer's Loan Specialized loan product under ULoan Personal for overseas Filipino workers in the maritime industry, with repayment terms adapted to their overseas employment cycle.
• Treasury Bills Distribution Distribution of government Treasury Bills issued by the Philippine Bureau of the Treasury, offering short-term investment options with government backing and predictable returns.
• Fixed Rate Treasury Notes Distribution Distribution of Fixed Rate Treasury Notes (FXTNs), government bonds with fixed interest rates providing medium to long-term investment options with guaranteed returns.
• Retail Treasury Bonds Distribution Distribution of Retail Treasury Bonds (RTBs), government debt securities available to retail investors with accessible minimum investments and quarterly interest payments.
• Peso Corporate Bonds Distribution Distribution of debt instruments issued by Philippine corporations in local currency, offering fixed income returns for investors.
• Dollar Corporate Bonds Distribution Distribution of corporate debt securities denominated in US dollars, providing currency diversification for investors seeking international exposure.
• Mutual Funds Distribution Distribution of pooled mutual fund vehicles offering diversified portfolios managed by professional fund managers, accessible through the UTrade platform.
• Stock Investment Program (SIP) Systematic investment plan under UTrade allowing investors to build stock portfolios gradually through regular scheduled investments, suitable for new and long-term investors.
• ULoan Referral Program (Refer and Earn) Agent referral program offering commissions to individuals and institutions for referring loan clients to ULoan Business facilities, including Single Referral and Referral Partner tracks with free training and accreditation.

Quantifiable outcome

• Quick credit processing within 7 business days or less for business loans
• +1 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• Union Bank of the PhilippinescoreStrategic or Co-development Partner · 1 January 2024Unicapital played a key role in Union Bank of the Philippines' ₱10 Billion Stock Rights Offering, supporting the bank's expansion and digital innovation initiatives. This represents a significant investment banking mandate for one of the Philippines' major banks.
• AlternergycoreStrategic or Co-development Partner · 1 January 2023Unicapital supported Alternergy in raising PHP 1.6 Billion through its Initial Public Offering - the first IPO of 2023 in the Philippines. This renewable energy IPO demonstrated Unicapital's capabilities in equity capital markets transactions.
• AREIT (Philippines' First RE-focused REIT)coreStrategic or Co-development Partner · 1 January 2022Unicapital served as the investment house for the ₱6.4 Billion IPO of AREIT, Philippines' first real estate-focused REIT. The deal won multiple awards including 'Best IPO of 2022' from The Asset Magazine and was recognized as Deal of the Year.
• Philippine Business Bank (PBB)coreStrategic or Co-development Partner · 1 January 2022Unicapital supported Philippine Business Bank in completing its PHP 500 Million Stock Rights Offering (SRO), enabling the bank to raise capital from existing shareholders.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• RCBC Capital Corporation: Investment house subsidiary of Rizal Commercial Banking Corporation offering underwriting, securities dealing, and treasury services — closely matching Unicapital's full-service investment house model.
• China Bank Capital Corporation: Investment house subsidiary of China Banking Corporation offering underwriting, trading, and treasury services. A Philippine mid-tier investment house directly comparable to Unicapital's IB and securities franchise.
• SB Capital Investment Corporation: Investment banking and securities arm of Security Bank. Directly comparable mid-sized Philippine investment house competing for IPO, SRO, and advisory mandates alongside Unicapital.
• COL Financial Group: Leading Philippine online stockbroker competing head-to-head with UTrade for retail investor accounts, mutual fund distribution, and digital onboarding. Highly comparable on the self-serve brokerage proposition.
• PNB Capital and Investment Corporation: Investment banking arm of Philippine National Bank providing underwriting, advisory, and securities services. Comparable in scale and product mix to Unicapital, competing for the same Philippine mid-cap mandate pool.
• First Metro Investment Corporation: Philippine investment house affiliated with the Metrobank Group, offering IB, securities brokerage, and asset management. One of Unicapital's closest direct competitors for Philippine IPO mandates and equity underwriting.

Emerging players

• ATRAM Trust Corporation: Philippine asset management and trust company offering mutual funds and wealth management. Comparable to Unicapital's mutual fund distribution and investment management-adjacent activities, though more focused on AUM than IB.

Regional players

• 2TradeAsia / UTrade (other PH brokers): Philippine online brokerage platform competing with UTrade for retail stock-trading flow. Comparable on the self-serve, digital-first brokerage proposition in the same Philippine market.

Broad incumbents

• BDO Capital & Investment Corporation: Investment banking arm of BDO Unibank, the Philippines' largest bank. Offers underwriting, M&A, securities brokerage, and lending — directly competing with Unicapital across all three pillars but with materially larger balance sheet and distribution.
• BPI Capital Corporation: Investment banking and securities arm of Bank of the Philippine Islands. Provides full-service IB advisory, equity underwriting, and retail brokerage — directly comparable to Unicapital's IB and UTrade businesses at larger scale.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/UnicapResearch
• Facebookfacebook.com/UnicapitalOnline
• LinkedInlinkedin.com/company/2957471

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

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 Unicapital