Harbie Finance, Inc.
Harbie Finance, Inc. is a Philippine private financing company headquartered in Makati City that provides consumer and SME business loans, including salary, OFW, home improvement, trade, bridge, and working capital financing, primarily to SMEs and working professionals via direct sales and an agent network.
- Company typePrivate
- Founded-
- HeadquartersMakati City, Philippines
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Harbie Finance, Inc. does
Harbie Finance, Inc. (HFI) is a privately held Philippine financing company headquartered at Rockwell Center in Makati City, Metro Manila, specializing in SME Lending. The company offers a dual-track loan portfolio: consumer lending products targeted at working professionals and Overseas Filipino Workers (Salary Loans, OFW Loans, Home Improvement Loans, Student Loans, Car Loans, and other Asset-Backed Loans) and SME/business lending products including Short-term Revolving Facilities, Trade Financing, Bridge Financing, Capital Expenditure Loans, and Working Capital Loans. Loans are secured by receivables, personal/corporate guarantees, inventories, and real estate properties.
The business operates with a small team of 6 employees and an Asset Liability Management / Treasury approach to matching loan assets to funding liabilities. Distribution is primarily relationship-based, executed through direct sales, inside sales (phone/email), and a strong agent network that leverages personal and professional networks across Philippine SME sectors. Underwriting and servicing are supported by a dedicated credit function and a specialized loan servicing team covering documentation, collateral management, pre and post-drawdown processes, and risk management.
Revenue is generated through interest income and fees on its loan book. Since establishment, the company has originated 100+ loans with a cumulative value of US$25+ million. Senior management averages 10 years of experience in banking and financial industries. The company is founder/management-owned with no disclosed external institutional investment, operates exclusively in the Philippines, and has no disclosed technology platform, API, or AI/ML capabilities.
Harbie Finance, Inc. firmographics
Firmographics- Name
- Harbie Finance, Inc.
- Legal name
- Harbie Finance, Inc.
- Website
- https://harbie.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Harbie Finance, Inc. is a Philippine private financing company headquartered in Makati City that provides consumer and SME business loans, including salary, OFW, home improvement, trade, bridge, and working capital financing, primarily to SMEs and working professionals via direct sales and an agent network.
- Ownership category
- akta.pro rank
Harbie Finance, Inc. industry classification
Industry- Product category
- SME Lending
- NAICS
- Credit Intermediation and Related Activities (522), Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141)
- akta.pro primary industry
- SME Term Loans & Growth Capital (FSAKAGAB)
- akta.pro secondary industries
- Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE), Home Improvement Personal Loans (Unsecured Installment) (FSAKAAAE), In-School Tuition & Fee Financing (Short-term/Bridge) (FSAKAEAG), Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
Keywords
Where Harbie Finance, Inc. is headquartered
LocationHeadquarters
- HQ city
- Makati City
- HQ country
- Philippines
- HQ region
- Asia
Offices1 record
Markets served
Harbie Finance, Inc. business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Loan Interest and Fees: Harbie Finance generates revenue through interest income and fees on various loan products including personal loans (salary loans, OFW loans, home improvement loans, student loans, car loans, asset-backed loans) and business loans (short-term revolving facilities, trade financing, bridge financing, capital expenditure loans, working capital loans). Revenue is primarily interest-based on the principal amount loaned.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Other | Quote-based / Not publicly disclosed |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Harbie Finance, Inc. product offering
Product offeringCore offering
Harbie Finance, Inc. is a Philippine financing company that provides short-term, term, and revolving loan products secured by receivables, personal/corporate guarantees, inventories, and real estate properties. Its offerings span Consumer Lending (Salary Loans, OFW Loans, Home Improvement Loans, Student Loans, Car Loans, Other Asset-Backed Loans) and Business Lending (Short-term Revolving Facilities, Trade Financing, Bridge Financing, Capital Expenditure Loans, Working Capital Loans) targeted at SMEs and working professionals in the Philippines.
Product overview
Harbie Finance, Inc. (HFI) is a Philippine financing company specializing in SME Lending, offering a portfolio of personal loans and business loans. The personal lending products include Salary Loans for working professionals, OFW Loans for overseas Filipino workers, Home Improvement Loans, Student Loans, Car Loans, and Other Asset-Backed Loans. The business lending products include Short-term Revolving Facilities, Trade Financing, Bridge Financing, Capital Expenditure Loans, and Working Capital Loans. Services include short-term loans, term loans, and revolving loans secured by receivables, personal/corporate guarantees, inventories, and real estate properties.
Differentiator
Problem solved
Functional benefit
Products and services
- Salary Loan A short-term personal loan extended to working professionals in the Philippines.
- OFW Loan
- Home Improvement Loan
- Student Loan
- Car Loan
- Other Asset-Backed Loans
- Short-term Revolving Facilities
- Trade Financing
- Bridge Financing
- Capital Expenditure Loans
- Working Capital Loans
Quantifiable outcome
- 100+ loans completed with US$25+ million in total value since establishment
Companies that use Harbie Finance, Inc.
Customer profileSegments3 records
Ideal customer profiles3 records
Harbie Finance, Inc. technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Harbie Finance, Inc. partnerships and signals
Strategic signalScale indicators3 records
Recent moves5 records
Expansion highlights5 records
Harbie Finance, Inc. competitors and assessment
Company assessmentDirect peers
- ASA Philippines Foundation: Large Philippine microfinance NGO focused on SME and microenterprise lending across the country. Direct peer given overlapping Philippine SME borrower focus and relationship-led distribution, though operating at much larger scale.
- CARD SME Bank: A Philippine thrift bank specializing in micro and SME lending, part of the CARD MRI group. Highly comparable given Philippine SME focus, multiple loan products, and relationship-driven origination model.
- First Circle Growth Finance: Philippine fintech lender focused on SME working capital and growth financing. Comparable in serving underbanked Philippine SMEs with flexible short-term loan products, though with a more technology-led origination model.
- AsiaLink Finance: Philippine financing company providing SME and consumer loan products including trade and bridge financing. Closely comparable in product mix, geography, and target SME segment.
- SB Finance: Philippine consumer and SME financing arm of Security Bank. Comparable in offering personal and business loan products targeted at Philippine consumers and SMEs, with broader institutional backing.
Emerging players
- Tala: Global digital consumer lender with significant Philippines operations focused on underbanked borrowers. Comparable in serving informal-segment consumer credit demand in the Philippines, though purely app-based.
- Mynt (GCash): Operator of GCash and GGives, a Philippine fintech offering consumer and SME credit products. Comparable in targeting underbanked Philippine borrowers, but with a digital-only delivery model and substantially larger scale.
Broad incumbents
- Cebuana Lhuillier: One of the largest Philippine pawnshop and consumer credit networks. Comparable in serving consumer credit demand nationwide, though primarily through pawn-based and remittance-led products rather than SME term lending.
- BDO Unibank: Largest Philippine bank, offering SME, consumer, and trade finance products. Comparable across the full spectrum of Harbie's product set, but at vastly larger scale with a deposit-funded balance sheet.
- Development Bank of the Philippines: Philippine state-owned development bank providing SME, trade, and project financing. Comparable in Philippine SME and trade finance focus, though as a government-backed institution with substantially larger reach.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Harbie Finance, Inc. social profiles
Digital presenceHarbie Finance, Inc. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Harbie Finance, Inc. leadership team
Management profileNumber of profiles
Profiles5 records
Harbie Finance, Inc. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Harbie Finance, 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 Harbie Finance, Inc.
What does Harbie Finance, Inc. do?
Harbie Finance, Inc. is a Philippine financing company that provides short-term, term, and revolving loan products secured by receivables, personal/corporate guarantees, inventories, and real estate properties. Its offerings span Consumer Lending (Salary Loans, OFW Loans, Home Improvement Loans, Student Loans, Car Loans, Other Asset-Backed Loans) and Business Lending (Short-term Revolving Facilities, Trade Financing, Bridge Financing, Capital Expenditure Loans, Working Capital Loans) targeted at SMEs and working professionals in the Philippines.
Is Harbie Finance, Inc. a public or private company?
Harbie Finance, Inc. is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Harbie Finance, Inc. founded?
Harbie Finance, Inc. was founded in -1. It employs 1 to 10 people.
Where is Harbie Finance, Inc. based?
Harbie Finance, Inc. is headquartered in Makati City, Philippines, in the Asia region.
How does Harbie Finance, Inc. make money?
One revenue line is on record: loan Interest and Fees.
Who are Harbie Finance, Inc.'s main competitors?
Direct peers on record are ASA Philippines Foundation, CARD SME Bank, First Circle Growth Finance, AsiaLink Finance and SB Finance. Emerging players are Tala and Mynt (GCash). Broad incumbents are Cebuana Lhuillier, BDO Unibank and Development Bank of the Philippines.
Does Harbie Finance, Inc. have an API?
No public API is recorded for Harbie Finance, Inc..
What industry is Harbie Finance, Inc. in?
Harbie Finance, Inc.'s product category is SME Lending. Its primary akta.pro industry code is FSAKAGAB, SME Term Loans & Growth Capital, with a secondary code of FSAKAGAE, Supply Chain Finance (Trade Credit, PO/Inventory Financing). Its NAICS code is 522 and its SIC code is 6153.