Commercial Loans Philippines | Personal Loans Philippines | ALGO

Purchase much needed equipment without breaking the bank with ALGO's flexible leasing plans.

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Apply for commercial loans for your business in the Philippines today at ALGO Leasing and Finance.

Pursue your dreams of being a doctor without worrying about the costs with ALGO's doctor's loan for students in the Philippines.

Pay off emergency costs immediately with ALGO's financing plans for consumer's loans in the Philippines.

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About Us



Incorporated in the Philippines in June 2007, ALGO Leasing and Finance, Inc. (ALGO), is a leasing and financing company belonging to the Equicom Group of Companies. It has an authorized capital of P1.3 billion and a paid-up capital of P172 million. ALGO is majority-owned by Antonio L. Go, Chairman of the Equicom Group of Companies.

The Company’s corporate vision is to establish itself as the premiere medium-sized leasing and financing company in the country. Dovetailing this, its corporate mission is to help grow small and medium-sized enterprises (SMEs) in their respective fields of business by providing them with superior products and services that are tailor-fit to their specific requirements and circumstances.

To keep true to its vision and mission, ALGO remains attuned to market developments, always watchful for factors that may affect the demand behavior or product needs of SMEs. Thus, with a proactive stance in addressing market challenges, ALGO continually develops and offers new products and services made more competitive, efficient, and innovative with the use of the latest technology. This is made possible by a complement of seasoned professionals who are highly competent and knowledgeable in the leasing and financing industry.


ALGO offers a wide range of competitive financial and leasing services. Its expertise in the field, coupled with technology-enhanced processing and monitoring practices, make lease or loan availments more convenient and straightforward for its clients. Through the years, ALGO’s loan products have evolved to better address clients’ financing needs given their circumstances, preferences, and expectations.

  • Financial Lease

This is a credit facility where ALGO grants the use of an asset (collateral) to clients for a fee (rental), for a specific period of time. This can be availed of either through Direct Lease, should clients require asset acquisition, or through Sale and Lease Back, if the purpose is for working capital. Ownership of the asset, however, remains under ALGO during the term.

Equipment used in communication, construction, information technology, logistics, manufacturing, and medical services, (commercial, industrial, and residential) are eligible for lease.

  • Secured Commercial Loan

This credit facility pertains to the traditional way of financing an asset or raising working capital through mortgage. Clients retain ownership over the asset during the loan term while taking advantage of best asset valuation, convenience, and flexibility of payment.

  • Sales Receivables

Funds tied up due to long collection terms can be addressed through this credit facility as it allows clients to convert their sales receivables into cash.

Receivables used for this facility will have to be supported by legitimate contracts such as Sales Invoice, Delivery Receipts, and Sales Contracts. Customers nominated for rediscounting will, likewise, be subject for accreditation.

Depending on the nature of Receivables, this loan product can be availed of in two forms:

  • Term Contract Discounting – Converts collections covered by post-datedchecks into cash.
  • Cash Invoice Financing – Transforms collections that are solely evidenced bysales contracts into ready funds. Under this scheme, ALGO is authorized to do direct collections from third parties on behalf of client


  • Floor Stock (Inventory) Financing

This is a short-term loan with maximum payment terms of 180 days for financing client acquisitions of stock/ inventories for production or for sale purposes.

Under this credit facility, clients have the advantage of purchasing stocks/materials in advance for them to avail of corresponding cash discounts given by suppliers to early buyers. The collateral for this type of loan will be the items for purchase, and the loan proceeds will be made directly to suppliers.

  • Small Business Loan

This is a multi-purpose, collateral loan that is open to all self-employed individuals, partnerships, and corporations operating for at least one (1) year and with asset size ranging from P3 to P15 million. This credit facility has a loan amount of P2 million with maximum payment term of 24 months.



Conscious of the financing needs of SMEs outside Metro Manila, ALGO has established its presence in other areas where this market segment is relatively under-served. To date, it has set up branches/satellite offices in Batangas, Pampanga, Cebu, and Cagayan de Oro.

Head Office 4/F ALGO Center

162 L.P. Leviste Street, Salcedo Village

Makati City 1227

Telephone (02) 813-2867; 817-9847; 893-8843;

800-5702; 800-5704

Fax (02) 893-9141



Batangas Ground Floor, Hotel Gregorio

  1. Recto Street,Lipa City, Batangas

Telephone (043) 784-1468


Pampanga 3rd Floor, Sevilla Building, McArthur Highway

Dolores, City of San Fernando, Pampanga

Telephone (045) 961-8569


Cebu Ground Floor, AppleOne Equicom Tower

Biliran Road corner Mindanao Avenue

Cebu Business Park, Cebu City

Telephone (032) 401-1470


Cagayan de Oro Room No. M-3, Mezzanine Floor

Phils First Insurance Building

Aguinaldo corner J.R. Borja Street

Cagayan de Oro City

Telephone (088) 857-4136


Board of Directors
Antonio L. Go

Antonio L. Go

Rene J. Buenaventura

Rene J. Buenaventura

Vice Chairman
Nelia V. Carlos

Nelia V. Carlos

Executive Director
Constante C. Lapuz

Constante C. Lapuz

Jose R. Pastor Puno

Jose R. Pastor Puno

Atty. Ciselie Marie Gamo

Atty. Ciselie Marie Gamo

Corporate Secretary
Key Officers
Constante C. Lapuz

Constante C. Lapuz

President and CEO
Josephine R. Lopez

Josephine R. Lopez

Atty. Ciselie Marie Gamo

Atty. Ciselie Marie Gamo

Corporate Secretary
Glenn C. Penetrante

Glenn C. Penetrante

Senior Vice President - Marketing
Edenila D. Tuazon

Edenila D. Tuazon

First Vice President-Marketing
Florecita R. Gonzales

Florecita R. Gonzales

Vice President