MARKETING

ASPECT

SERVICE OVERVIEW

UFCE provides lending services that focuses on lending a small amount of capital to
small businesses with low interest rate. The amount that it can lend to its borrowers is the ideal
capital for entrepreneurs that are currently starting and introducing their small business.

Service Scope

Negosyo Loan Minimum of Php 5,000 and maximum of Php 30,000

(Business Loan)
5,000 to 10,000 payables within 6 months

15,000 to 20,000 payables within 9 months

25,000 to 30,000 payables within 12 months

2 % Interest rate per month

 Service Scope

1 % Service Fee

Service
Interest Fee: Amount
Fee: Amount InterestService
Rate Fee Rate
Total Amount to Total Amount
Monthly
be paid Payment
₱ 5,000 1% ₱ 50.00
₱ 5,000 12% ₱ 5,600 ₱ 933.33
10,000 1% 100.00
10,000 12% 11,200 1,866.67
15,000 1% 150.00
15,000 18% 17,700 1,966.67
20,000 1% 200.00
20,000 18% 23,600 2,622.22
25,000 1% 250.00
25,000 24% 31,000 2,583.33
30,000 1% 300.00
30,000 24% 37, 200 3,100.00

Service Scope

Kaagapay Loan Minimum of Php 5,000 and maximum of Php 10,000

(Personal Loan)
payable within 6 months

2% Interest rate per month

 Service Scope

1 % Service Fee

Service Fee: Amount Service Fee Rate Total Amount

Interest Fee: Amount
₱ 5,000 Interest Rate 1%Total Amount to Monthly
₱ 50.00

Service 10,000 1% be paid

Scope
Payment
100.00
₱ 5,000 12% ₱ 5,600 ₱ 933.33
Other Loans Minimum of Php 5,000 and maximum of Php 10,000
10,000 12% 11,200 1,866.67
payable within 6 months

2% Interest rate per month

1 % Service Fee

Service Fee: Amount Service Rate Total Amount

Interest Fee: ₱ 5,000

Amount Interest Rate 1%Total Amount to ₱ 50.00
Monthly
10,000 1% be paid 100.00
Payment

₱ 5,000 12% ₱ 5,600 ₱ 933.33

10,000 12% 11,200 1,866.67

COMPETITIVE ADVANTAGE

BESTLOAN CREDIT CORPORATION

Service Hour: Interest: 2.5% per month Location: First Floor Capri Building, Km. 14,
8:00am-5:30pm Amount: ₱ 5,000.00 to Mc Arthur Hi-way, Malinta, Valenzuela City
50,000.00
Service: Bestloan Valenzuela offers ATM Sangla
ATM Salary Loan - OFW Loan Salary Loan for Regular/Contractual
Pensioner’s Loan - Bonus Loan
Employees, fast approval, low interest, no
Motorcycle Loan - Emergency Loan
Teacher’s Loan - Cash Advance Loan
 BESTLOAN CREDIT CORPORATION
hidden charges! CO MAKER is also required.

QCREDIT CORPORATION
Service Hour: Interest: 2.67% per month Location: Mc Arthur Hi-way, Malinta,
8:00am-5:30pm Amount: ₱ 5,000.00 to Valenzuela City
50,000.00
Service Term of payment:

Business Loan 6 months to pay

CVM FINANCE AND CREDIT CORPORATION

Service Hour: Interest: 3.5% per month Location: Paso De Blas, Valenzuela City
8:00am-5:30pm Amount: ₱ 10,000.00 to
50,000.00
Service Term of payment:
Business Loan
Water refiling station 6 mos., 9 mos., & 12 months to pay
Pandesalan Store
Mobile Cart Trike
Tindahan Loan
Food Equipment Loan
DL SAMOZA LENDING CORPORATION
Service Hour: Interest: 3.5% per month Location: Paso de Blas, Valenzuela City
8:00am-5:30pm Amount: ₱ 5,000.00 to
50,000.00
Service: Terms: New 2months
Business Loan Old: 3-6months
Microfinance

SERVICE PROTOCOL

LOAN PROCESS
Here is the sequence of steps in availing our loan:

1. Apply – Duly fill out a loan application

2. Evaluating – The lender will review the application form and the documents of the borrower if
it properly complies with the requirements being ask.

3. Interview – After completing the requirements, the client will be interview allowing them to
explain their character and financial condition as well as the purpose of the loan.

4. Contract - If the lender approves the client’s request, the clients will sign the contract to know
the terms and conditions in availing the loan.

5. Get the money.

TERMS AND CONDITION

Article 1. Contract Term

The client shall pay the entire amount of the loan including the interest before the
expiration of the contract term. This Agreement shall be terminated after the full payment of a
loan.

Article 2. Loans Offer

UFCE offers three (3) types of loan such as; Business Loan (5,000 to 30,000), Personal
Loan (5,000 to 10,000) and Other Loans (5,000 to 10,000) with an interest rate of 2% per month

Article 3. Service Fee

 UFCE has a 1% service fee in availing loan and this fee is automatically deducted to the
amount of loan. Service fee includes the Office supplies expense, utility expense, salaries
expense, etc.

Article 4. Interest

UFCE will charge interest on loans base on the prescribed limit of BSP. The client shall
pay the interest rate of 2% per month. This interest is to be paid together with the principal value
of the loan.

Article 5. Schedule of Payment

The schedule of payment depends on the amount of loan. The loan is payable for Six (6)
months for 5,000 to 10,000, Nine (9) months for 15,000 to 20,000 and Twelve (12 months) for
25,000 to 30,000

Article 6. Penalties

Penalty for late payment will be charged to the client with additional rate of 1% in the
interest.

Article 7. Payment Default

If our clients missed paying over a month or a year there are sanctions, we offer to
reimburse the amount of money they borrow from us through:

Deliver a Request Payment Letter - The purpose of this letter is to follow up and inform
our clients about the loan they borrowed from the company. To void additional charges due to
late payments. If our clients’ will not able to pay his/ her debt within 5 days after giving a request
payment letter, the 2nd Sanction would be:

Deliver an Invitation letter from Barangay - This letter from barangay will invite our
client to settle the loan he/she borrow from our business. If our client refuses to meet our team in
barangay we will proceed to the last sanction which is:

File a Case in Small Claim Court - In this process, the client and our company will have
a signed contract from the Court in which the amount of money will be payable within 2 months.
 LOAN AGREEMENT

Date ________________

I hereby, (Name of the Borrower) , with a mailing address of

_____________________________________________, agrees to pay UFCE Partnership with a
mailing address of ________________________________________.

WHEREAS, Borrower desires to borrow a fixed amount of money; and

WHEREAS, Lender agrees to lend a fixed amount of money;

IN CONSIDERATION OF, the mutual covenant and condition here in, the parties agree
as follows:

Amount

The Lender agrees to lend an amount of ___________________________

_____________ (₱____________) to the Borrower.

Payment

The parties agree that the loan shall be due, including the principal and accrued
interest, every 15th day of the month beginning on _______________.

The loan is payable for: 6 months 9 months 12 months

The total amount, including the principal and accrued interest, shall be due and
payable on ________________.

Interest
The borrower is obliged to pay an interest rate of 2% per month, such interest is to
be paid together with the principal value every 15th day of the month.

Late Payments
 The payment is considered late if the lender received the payment after the due
date or the 15th day of the month.
The borrower will be charge of an additional 1% interest as a penalty for the
month.

Security
To protect the lender, the following are the condition for the failure of paying the
total amount, including the principal and accrued interest, after the payment period.
E1. The borrower shall present two (2) co-makers that will shoulder the
remaining balance of the borrower.
E2. Small Claims – the court will settle the monetary dispute between the lender
and borrower to guarantee that the total amount due will be paid.

_________________________ _________________________
Signature over Printed Name Signature over Printed Name
Borrower Co-maker 1

_________________________ __________________________
Signature over Printed Name Signature over Printed Name
Co-maker 2 General Manager
Requirements:

Complete filed out application form signed by the borrower (photocopy will suffice on the
application stage)

At least 3 valid ID’s: SSS, Phil health, Pag-Ibig

At least 2 Co-makers (must be employee with 3 valid ID’s)

Proof of Billing

Latest Pay slip (atleastat least two (2) months)

Certificate of employment with compensation

Latest Payroll Bank Statement (atleastat least two (2) months)

Employed or Self-Employed

SWOT ANALYSIS
 STRENGTHS WEAKNESSES

Highly Secured Not known like another dominant firm

Offer local transactions Find hard to collect monthly payments.

Advance Facilities Close during weekends

Accommodate many clients through small

interest loan

Motivated and inspired employees

Low interest rate

OPPORTUNITIES THREATS

Biggest provider in Valenzuela Location

Open for ages 20 to 50 years old Dominant competitors

Expansion via acquisition Emerging new competitors

Near in Barangay Hall

SERVICE COSTING

UFCE Company has mandatory service fee of 1% when they avail loan from us. The 1%
of service fee includes the following:

Ex. worth of loan P5, 000 the amount of 1% would be P50

(It depends on the amount of loan they will avail.)

Amount loan avail: ₱5,000 ₱10,000 ₱15,000 ₱20,000 ₱25,000 ₱30,000

Bond papers

(Application form & ₱ 3.00 ₱ 3.00 ₱ 3.00 ₱ 3.00 ₱ 3.00 ₱ 3.00

contracts)

Envelopes
₱ 2.00 ₱ 2.00 ₱ 2.00 ₱ 2.00 ₱ 2.00 ₱ 2.00
(Money Holder)

Office Equipment
₱ 3.00 ₱ 3.00 ₱ 3.00 ₱ 3.00 ₱ 3.00 ₱ 3.00
(Printer & Inks)

Utilities Expense ₱ 20.00 ₱45.00 ₱ 70.00 ₱ 95.00 ₱ 120.00 ₱ 145.00

Salaries Expense ₱ 22.00 ₱47.00 ₱ 72.00 ₱ 97.00 ₱ 122.00 ₱ 147.00

Total ₱ 50.00 ₱ 100.00 ₱ 150.00 ₱ 200.00 ₱ 250.00 ₱ 300.00

MARK- UP PRICING

Location of the Business

2nd Floor, B. Hive Plaza Gen T. de Leon, Valenzuela City, 1442

Target market
 Our target market are individuals who are entrepreneurial poor to secure
funds in building their business. The majority are small to medium business
owners such as vendors and household base entrepreneurs that ages 20 to 50 years
old and operates in Valenzuela City

Start of Business: AUGUST 2020

GROWTH
AREA BASE YEAR POPULATION
RATE

Gen T. de Leon, Valenzuela City

Ugong, Valenzuela City 2018 150,547 1.57%

Paso de Blas, Valenzuela City

HISTORICAL POPULATION PROJECTED POPULATION

Year Population Year Population

2017 148,183 2019 152,911

2016 145,857 2020 155,311

2015 143,567 2021 157,750

2014 141,313 2022 160,226

2013 139,094 2023 162,742

Population Filtration

2020 Population 155,311

Age Bracket 20-50 49%

76,102

Income Class B & C 85%

2020 Filtered Population 64,687

 Acceptability Rate

Are you willing to patronize our Lending Service?

Yes B. No

Options Frequency Percentage

Yes 174 87%
No 26 13%
200 100%

Acceptability Rate

2020 Filtered Population 64,687

Acceptability Rate 87%

Acceptability Population 56,278

Filtration

Acceptability Population 56,278

Affordability Bracket 77%

43,334

Ambiance Bracket 89%

38,567

Frequency of Buying 87%

TARGET MARKET/ MARKET DEMAND 33,554

 Unserved Market

Acceptability Population 56,278 100%

Target Market 33,554 60%

Unserved Market 22,724 40%

 ACTUAL DEMAND

Actual Demand

Acceptability Population 56,278

No. Of Months 12

No. of Months Operated 10

2020 Actual Demand 46,898

Acceptability Population
56,278

Growth Rate 1.0157

2021 Actual Demand 57,162

2022 Actual Demand 58,059

2023 Actual Demand 58,971

2024 Actual Demand 59,896

 Actual Demand

Target Market/ Market Demand 33,554

No. Of Months 12

No. of Months Operated 10

2020 Actual Demand 27,962

. Target Market/ Market Demand 33,554

Growth Rate 1.0157

2021 Actual Demand 34,081

2022 Actual Demand 34,616

2023 Actual Demand 35,159

2024 Actual Demand 35,711

MARKET SHARE
Channel of Distribution

UFCE Lending Partnership directly transact to the clients which are the
aspiring entrepreneurs, our target market, and other inviduals who avail our
business that ages 20 to 50 years old under the income class B and C
PROMOTION OVERVIEW – LAUNCH PLAN

Marketing Program
 Month/
Title Description Cost Total Cost
Date

August UFCE Grand Giving wallets for the Wallet: ₱ 50.00 x 10 ₱ 500.00
Opening first ten (10) clients who
= ₱ 500.00
Promo will avail our service

September Let’s Take To conduct a seminar Token for the Speaker: ₱ 1,100.00
the Risk! for clients about
₱ 1, 000
establishing a business.
Certificate:

₱ 100.00

October Teacher For the first Teacher/ Shoulder bag: ₱200 ₱ 200.00
Appreciation Client to loan money for
the amount of ₱ 10,000
will get a shoulder bag.

November Neat is Rich! To conduct a seminar Token for the Speaker: ₱ 1,100.00
for the sanitation of the
₱ 1, 000
food businesses.
Certificate:

₱ 100.00

December PASKONG Giving a Noche Buena Noche Buena package ₱ ₱ 1,500.00

PINOY package for the first five 300.00 x 5 = ₱ 1,500.00
(5) loyal clients in the
business.

January Start a New To conduct a seminar Token for the Speaker: ₱ 1,100.00
Journey about financial literacy.
₱ 1, 000

Certificate: ₱ 100.00
 Month/
Title Description Cost Total Cost
Date

February Spread the Giving chocolates for Chocolate: ₱ 150 x 10 ₱ 1,500.00

Love the first ten (10) clients
= ₱ 1,500.00
who will avail our
services for the
celebration of Valentines
Month

March Be Wise, There will be a seminar Token for the Speaker: ₱ 1,100.00
Maximize on how the clients can
₱ 1, 000
Your Loans use their loans to earn
profit. Certificate:

₱ 100.00

April UFCE The Ultimate Summer Amount Loan: ₱ 500.00

LOAN Lending Promo
₱ 10,000.00
FIESTA
Loan at minimum
Original Interest Rate: 2%
amount of ₱10,000 with
1.5% interest rate for Amount Due:
this month to start a new
₱ 10,200.00
business about summer.
For the first ten (10) Promo Rate: 1.5%
clients.
Amount Due:

₱ 10,150.00

=10,200x10 = ₱102,000.00

=10,150x10 = ₱101,500.00

= 102,500-101,500
 Month/
Title Description Cost Total Cost
Date

May Treat For the first Mother/ Grocery Package: ₱ 2,000.00

yourself this client to loan money for ₱2,000.00
Mother's Day this month will get a
grocery package.

Marketing Paraphernalia
BROCHURE