Cebuana Cycle Financing, Inc.
Cebuana Cycle Financing, Inc. (CCFI) is a Philippine motorcycle lender established in 2023 as a joint venture between GDFI Holdings and Cebuana Lhuillier Finance Corporation, offering 12-36 month motorcycle loans across Luzon to employed individuals, self-employed borrowers, OFWs, and platform-based riders.
- Company typePrivate
- Founded2023
- HeadquartersPasig City, Philippines
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Cebuana Cycle Financing, Inc. does
Cebuana Cycle Financing, Inc. (CCFI) is a Philippine motorcycle financing company established in September 2023 as a joint venture between GDFI Holdings, Inc. and Cebuana Lhuillier Finance Corporation. The company is SEC-registered (202306014054-02) and holds Certificate of Authority No. F-23-0056-27, with its registered office in Pasig City. Its business is concentrated on a single product—a motorcycle loan with 12-36 month terms, a minimum 15% down payment, financing up to 85% of the motorcycle's suggested retail price, 24-hour pre-approval, and 1-3 working-day final release. CCFI serves four identifiable borrower segments: employed individuals (primary), self-employed professionals and business owners, overseas Filipino workers with local co-makers, and platform-economy riders working for Grab, Foodpanda, Lalamove, and Angkas. Underwriting screens on current income stability rather than traditional credit history, targeting Filipinos who lack access to bank loans.
CCFI's technology stack comprises a proprietary online loan application portal supporting 24/7 self-service with digital document upload and an affordability calculator. Payment-side infrastructure integrates GCash (biller integration), ECPay (including 7-Eleven outlets), bank transfer, auto-debit, and the 2,500+ Cebuana Lhuillier branch network for amortization collection; credit-side infrastructure connects to BAP Credit Bureau, Inc. and the Credit Information Corporation. The company operates its own website, Facebook, and LinkedIn for digital top-of-funnel demand, while origination flows through accredited motorcycle dealerships across Luzon and a Motor Loan Agent referral program. Revenue is generated transactionally via interest on amortized motorcycle loans, with monthly billing cadence and disclosed ancillary fees (documentary stamp tax, chattel mortgage fee, processing fee).
The business model is a focused consumer finance play: small-ticket, income-based motorcycle credit distributed through dealer and agent channels with a back-end collection network inherited from Cebuana Lhuillier. Geographic scope is currently limited to Luzon, which simultaneously represents the largest Philippine island and a meaningful but partial addressable market. Headcount, loan portfolio, disbursement volume, and revenue are not publicly disclosed.
Cebuana Cycle Financing, Inc. firmographics
Firmographics- Name
- Cebuana Cycle Financing, Inc.
- Legal name
- Cebuana Cycle Financing, Inc.
- Website
- https://cebuanacycle.com.ph
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Cebuana Cycle Financing, Inc. (CCFI) is a Philippine motorcycle lender established in 2023 as a joint venture between GDFI Holdings and Cebuana Lhuillier Finance Corporation, offering 12-36 month motorcycle loans across Luzon to employed individuals, self-employed borrowers, OFWs, and platform-based riders.
- Ownership category
- akta.pro rank
Cebuana Cycle Financing, Inc. industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Sales Financing (522220), Sales Financing (52222), Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Motorcycle & Powersports Finance (FSAKADAG)
- akta.pro secondary industry
- New & Used Auto Purchase Loans (FSAKADAA)
Keywords
Where Cebuana Cycle Financing, Inc. is headquartered
LocationHeadquarters
- HQ city
- Pasig City
- HQ country
- Philippines
- HQ region
- Asia
Offices1 record
Markets served
Cebuana Cycle Financing, Inc. business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Supply Chain
Revenue model
- Motorcycle Loan Interest Income: CCFI generates revenue through interest charged on motorcycle loans. The company offers financing up to 85% of the motorcycle's Suggested Retail Price (SRP) with terms ranging from 12 to 36 months. Revenue is earned as monthly amortization payments from borrowers over the loan term.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Standard motorcycle loan with 15% minimum down payment |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Cebuana Cycle Financing, Inc. product offering
Product offeringCore offering
Cebuana Cycle Financing, Inc. (CCFI) provides motorcycle financing to individual Filipino borrowers in Luzon. The company originates motorcycle loans with terms of 12 to 36 months, a minimum 15% down payment, and loanable amounts up to 85% of the motorcycle's Suggested Retail Price (SRP). Loan processing features 24-hour pre-approval for complete applications and final approval and release within 1–3 working days.
Product overview
Cebuana Cycle Financing, Inc. (CCFI) is a single-product motorcycle financing company established in September 2023 as a joint venture between GDFI Holdings, Inc. and Cebuana Lhuillier Finance Corporation. The company offers one core product: a motorcycle loan with features including 12-36 month terms, 15% minimum down payment, up to 85% financing of SRP, and 24-hour pre-approval with 1-3 day release. The company also operates a Motor Loan Agent Program as a distribution channel that enables independent agents to originate loans with unlimited earning potential.
Differentiator
Problem solved
Functional benefit
Products and services
- Motorcycle Loan Hassle-free motorcycle financing product targeted at Filipino citizens aged 21–65 who need a motorcycle for personal transportation or work. The loan offers 12–36 month terms, a minimum 15% down payment of the Suggested Retail Price (SRP), up to 85% financing of SRP, with pre-approval in as fast as 24 hours and final approval and release within 1–3 working days. Required documents vary by segment and include government-issued ID, payslip or Certificate of Employment (COE), and proof of billing.
- Motor Loan Agent Program An agent accreditation service that recruits and onboards individuals as Motor Loan Agents to source and process motorcycle loan applications on behalf of CCFI. The program offers unlimited income potential, flexible hours, and no accreditation fees, with agents working flexibly across Luzon.
Quantifiable outcome
- Pre-approval in 24 hours for complete applications
- +2 more outcomes
Companies that use Cebuana Cycle Financing, Inc.
Customer profileSegments4 records
Ideal customer profiles4 records
Cebuana Cycle Financing, Inc. technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature2 records
Cebuana Cycle Financing, Inc. partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Grab, Foodpanda, Lalamove, AngkasminorPlatform rider companies whose drivers are target customers for motorcycle loans. CCFI specifically markets to riders of these platforms who need motorcycles to work.
Scale indicators3 records
Recent moves7 records
Expansion highlights5 records
Cebuana Cycle Financing, Inc. competitors and assessment
Company assessmentDirect peers
- Honda Philippines: Honda is the dominant motorcycle manufacturer in the Philippines and operates Honda Finance Philippines, providing captive financing for motorcycle purchases. Directly competes with CCFI for motorcycle loan customers, often offering subsidized rates tied to vehicle sales at dealer point-of-sale.
- Palawan Pawnshop: Palawan Pawnshop is a major Philippine pawnshop and microfinance operator with extensive branch coverage, serving similar unbanked and underbanked borrower segments with small-ticket lending and remittance services.
- Home Credit Philippines: Home Credit Philippines is a leading nonbank consumer finance provider offering point-of-sale installment financing, including for motorcycles. Serves similar thin-file Filipino borrowers with similar income-based underwriting and digital-first application experience.
- Yamaha Motor Philippines: Yamaha Motor Philippines sells motorcycles alongside Yamaha-branded financing programs, directly competing with CCFI in the Filipino motorcycle financing market with established dealer relationships and brand recognition.
- Suzuki Philippines: Suzuki Philippines is a major motorcycle manufacturer with in-house financing options for buyers, competing for the same motorcycle loan customers in the Philippine market with dealer-aligned origination.
Broad incumbents
- PSBank (Philippine Savings Bank): PSBank is a thrift bank offering personal and auto loans to Filipino consumers, including motorcycle financing. Operates with deposit funding advantages and broader product portfolio, competing with CCFI in vehicle loans.
- Toyota Financial Services Philippines: Toyota Financial Services Philippines is a captive auto finance provider for Toyota vehicles, comparable to CCFI in captive financing business model but focused on cars. Useful benchmark for nonbank auto-loan underwriting and portfolio management practices in the Philippine market.
- Bank of the Philippine Islands (BPI): BPI is one of the largest universal banks in the Philippines offering personal loans, auto loans, and motorcycle financing at prime rates. Competes with CCFI through lower cost-of-funds and established brand trust, though typically serving more prime borrowers.
- Cebuana Lhuillier Pawnshop: Cebuana Lhuillier Pawnshop is the parent-affiliated pawnshop and microfinance network with 2,500+ branches. Serves overlapping unbanked Filipino customer segments with pawn-based and small-dollar lending, sharing brand recognition and customer relationships with CCFI.
Emerging players
- Tala Philippines: Tala is a digital microlending fintech operating in the Philippines, offering small-ticket consumer loans to thin-file borrowers via mobile app. Competes for similar unbanked customer segments as CCFI but with broader consumer (non-motorcycle) use cases and fully digital origination.
Market position
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Cebuana Cycle Financing, Inc. social profiles
Digital presenceCebuana Cycle Financing, Inc. compliance and trust
Trust signalCompliance4 records
Cebuana Cycle Financing, Inc. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cebuana Cycle Financing, Inc. leadership team
Management profileNumber of profiles
Cebuana Cycle Financing, Inc. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cebuana Cycle Financing, Inc. 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 Cebuana Cycle Financing, Inc.
What does Cebuana Cycle Financing, Inc. do?
Cebuana Cycle Financing, Inc. (CCFI) provides motorcycle financing to individual Filipino borrowers in Luzon. The company originates motorcycle loans with terms of 12 to 36 months, a minimum 15% down payment, and loanable amounts up to 85% of the motorcycle's Suggested Retail Price (SRP). Loan processing features 24-hour pre-approval for complete applications and final approval and release within 1–3 working days.
Is Cebuana Cycle Financing, Inc. a public or private company?
Cebuana Cycle Financing, Inc. is a private company. It is classified as corporate owned and is currently operating.
When was Cebuana Cycle Financing, Inc. founded?
Cebuana Cycle Financing, Inc. was founded in 2023. It employs 11 to 50 people.
Where is Cebuana Cycle Financing, Inc. based?
Cebuana Cycle Financing, Inc. is headquartered in Pasig City, Philippines, in the Asia region.
How does Cebuana Cycle Financing, Inc. make money?
One revenue line is on record: motorcycle Loan Interest Income.
Who are Cebuana Cycle Financing, Inc.'s main competitors?
Direct peers on record are Honda Philippines, Palawan Pawnshop, Home Credit Philippines, Yamaha Motor Philippines and Suzuki Philippines. Broad incumbents are PSBank (Philippine Savings Bank), Toyota Financial Services Philippines, Bank of the Philippine Islands (BPI) and Cebuana Lhuillier Pawnshop. Tala Philippines is listed as an emerging player.
Does Cebuana Cycle Financing, Inc. have an API?
No public API is recorded for Cebuana Cycle Financing, Inc..
What industry is Cebuana Cycle Financing, Inc. in?
Cebuana Cycle Financing, Inc.'s product category is Consumer Lending. Its primary akta.pro industry code is FSAKADAG, Motorcycle & Powersports Finance, with a secondary code of FSAKADAA, New & Used Auto Purchase Loans. Its NAICS code is 522220 and its SIC code is 6141.