cebuana lhuillier finance corporation

What cebuana lhuillier finance corporation does

Cebuana Lhuillier Finance Corporation (CLFC) is a Philippines-based, SEC-licensed financing company (Certificate of Authority No. 1094; SEC Registration CS201506220) operating as part of the PJ Lhuillier Group of Companies. Founded in 2015 and headquartered in Bacoor City, Cavite, CLFC provides loans and salary advances to underserved Filipinos — specifically overseas Filipino workers (OFWs), micro, small and medium enterprises (MSMEs), salaried employees, and individuals seeking personal transportation financing. The company is led by President and CEO Jean Henri Lhuillier and operates with 51–100 employees.

CLFC's product portfolio comprises four core offerings: Global Cebuana (OFW loans up to PHP 500,000 at 2.5% monthly interest, 3–12 month terms), Cebuana Cycle (motorcycle financing with 12–36 month terms), Cebuana Microbiz Loan (MSME business loans bundled with Kanegosyo Center services such as negosyo bundles, document assist, and business coaching), and Cebuana Advance (employer-sponsored salary advance with 24/7 on-demand access and a revolving line of credit). The underlying technology stack is a loan processing and disbursement platform with KYC verification, credit scoring assessment, and electronic loan agreement and disclosure execution compliant with the Philippine Electronic Commerce Act (RA 8792). The company also has a mobile app.

CLFC's revenue model rests on loan interest income, non-refundable loan processing fees, and late-payment/penalty charges. Distribution combines the parent group's physical Cebuana Lhuillier branch network with digital disbursement through GCash, Maya, and the Cebuana Lhuillier Micro Savings Account. Go-to-market is hybrid: a product-led, website-driven self-service motion for consumer products, paired with a direct B2B sales motion (Cebuana Advance) targeting HR departments and employers for company-wide salary advance facilities. Strategic partnerships with GCash, Maya, and the PJ Lhuillier Group anchor both the digital disbursement layer and the broader ecosystem advantage.

Name

cebuana lhuillier finance corporation

Legal name

Cebuana Lhuillier Finance Corporation

Website

https://cebuanafinance.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Short description

Cebuana Lhuillier Finance Corporation is a Philippine SEC-licensed financing company, part of the PJ Lhuillier Group, that provides consumer, MSME, OFW, motorcycle, and salary-advance loans to underserved Filipinos through branch and digital-wallet channels.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

Keywords

• Consumer lending
• Microfinance loans
• OFW loans
• Salary advance
• MSME financing

Headquarters

HQ city

Bacoor City

HQ country

Philippines

HQ region

Asia

Offices10 records

Markets served

GTM type

B2C

Offering type

Services

Revenue model

1. Loan Interest Income: Interest income from lending activities. Global Cebuana offers loans up to P500,000 at 2.5% interest per month, payable over 3-12 months. Interest rates are credit score-based and subject to change per disclosure statements.
2. Loan Processing Fees: Non-refundable processing fees charged upon loan application. These fees are disclosed in the Disclosure Statement of Loan/Credit Transaction along with documentary stamp tax.
3. Late Payment and Penalty Charges: Late payment fees applied when borrowers fail to make payment on due date. Additional charges for collection costs, legal fees, and administrative expenses incurred due to late payment.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

Cebuana Lhuillier Finance Corporation (CLFC) is a Philippines-based financing company that provides loans and credit products to underserved Filipinos. Its portfolio includes OFW loans (Global Cebuana), motorcycle financing (Cebuana Cycle), MSME business loans (Cebuana Microbiz Loan), and employer-sponsored salary advance solutions (Cebuana Advance), distributed through physical branches and digital wallets (GCash, Maya).

Product overview

Cebuana Lhuillier Finance Corporation (CLFC) offers a suite of loan products designed for financial inclusion of underserved Filipinos. The product portfolio comprises four core offerings: Global Cebuana (OFW loans up to P500k), Cebuana Cycle (motorcycle financing with 12-36 month terms), Cebuana Microbiz Loan (MSME/business financing), and Cebuana Advance (employer-sponsored salary advance). These products target different market segments—overseas workers, commuters/transport users, entrepreneurs, and salaried employees—unified by CLFC's mission of accessible, fair, and easy financing solutions.

Differentiator

Problem solved

Functional benefit

Brands

• Global Cebuana: Loan product for Overseas Filipino Workers (OFWs) to support their families back home
• Cebuana Cycle
• Cebuana Microbiz Loan
• Cebuana Advance

Products and services

• Global Cebuana Loan product designed for Overseas Filipino Workers (OFWs) to support their families back home. Offers loan amounts up to P500,000, payable in 3-12 months with 2.5% interest per month, and approval within 1-3 days. Requires proof of income/contract and 2 valid IDs.
• Cebuana Cycle Motorcycle financing product enabling Filipinos to acquire a motorcycle for personal or livelihood transportation. Offers flexible terms of 12-36 months with fast 1-3 day approval from approved motorcycle brands, with payments accepted at any Cebuana Lhuillier branch nationwide.
• Cebuana Microbiz Loan Business loan product for small and medium enterprise (MSME) owners to start or grow their business. Offers flexible loan amounts, flexible terms, and low interest rates, with capital available for equipment, hiring, and expansion. Includes Kanegosyo membership benefits such as negosyo bundles, document assist, and business coaching.
• Cebuana Advance

Quantifiable outcome

• Fast approval: 1-3 days across loan products
• +3 more outcomes

Segments4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• GCashcoreTechnology or IntegrationGCash is integrated as a disbursement channel for loan proceeds. Borrowers can receive their loan funds directly to their GCash wallet, providing fast and convenient digital fund transfer.
• MayacoreTechnology or IntegrationMaya (formerly PayMaya) is integrated as a disbursement channel for loan proceeds. Borrowers can receive their loan funds directly to their Maya wallet.
• PJ Lhuillier Group of CompaniescoreOthersCLFC is owned and managed by PJ Lhuillier Inc. (PJLI) and its affiliates. The website is owned and managed by PJLI. CLFC operates as part of the broader group including Cebuana Lhuillier Financing Corp., pawnshops, and micro savings operations.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Strengths4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cebuana-lhuillier-finance-corporation

Revenue estimate

Valuation estimate

Number of profiles

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 cebuana lhuillier finance corporation