How to apply for GLoan Negosyo

Authorized representatives:

• Can apply for loans
• Can repay loans

Non-authorized users:

• Can usually view the loan dashboard
• Can repay existing loans
• Cannot apply for new loans

If a user needs to be authorized, follow the steps here and submit the required secretary’s certificate.

Once you see a GLoan Negosyo offer and you are an authorized representative:

1. Log in to your GCash for Business portal.
2. On the left menu, tap GLoan Negosyo.
3. Tap Apply for a loan on your offer.
4. In the loan calculator, choose:
   • A loan amount within your credit limit
   • A tenor (repayment term) from the list shown

Note: This is usually about 1–24 months, but may be shorter based on risk rules.

5. Check your business information, then accept the privacy and porting notices.
6. On the confirmation screen, review:
   • Amount you will receive
   • Monthly due
   • Interest and fees
7. Accept the Disclosure Statement and Terms and Conditions.
8. Enter the OTP sent to your registered email.

If successful, you will see a “Payment Successful” screen. If there is a temporary issue, you may see “Payment Pending” instead.

Approved loans go to your merchant wallet and will show on your GLoan Negosyo dashboard.

There are two ways to find your Loan Account ID:

Access the GLoan Negosyo Dashboard

1. Click GLoan Negosyo.

2. Check the value in the first column (Loan Account ID), or click the loan and check the Loan Details page. 
   
   Loan Dashboard:

   

Open the Disclosure Statement

1. Open the email with the subject “Welcome to GLoan Negosyo.”
2. Download and open the Payment Schedule file.
3. Enter the password provided in the email.
4. Your Loan Account ID will be shown in the file.

If you’re getting an error when applying, check for:

1. Unpaid GLoan Negosyo dues: If you still have unpaid dues, pay them first, then check the portal again for a new offer.
2. System or data error: If you see “Something went wrong” or similar, wait 48 hours and try again.

If the error is still there, please contact merchantsupport@gcash.com.

If you’re funds is not reflecting in your merchant wallet:

• Check that you have a stable internet connection.
• Refresh your merchant wallet balance and GLoan Negosyo dashboard.

If funds still do not appear, please contact merchantsupport@gcash.com with your loan details. Our team will reach out to you within 1–2 business days.

Yes, as long as you do not exceed your total loan limit and you have no more than 5 active loans at the same time.

To opt out of your loan, you must complete the following within three (3) business days of receiving the funds: 

• Ensure funds are unused: The loan proceeds must remain untouched.
• Repay in full: Return the total disbursed amount through the GCash for Business Portal or via BPI or Metrobank. 
• Use your Loan ID as the reference number: Input your Loan ID as the Reference Number when repaying for your loan.
• Notify Support: Email GCash Merchant Support to confirm the full repayment of the disbursed amount to Fuse Financing Inc.

Note: If these steps are not completed within the three-day period, the loan will proceed under its standard terms, and opting out will no longer be possible.

1. Log out of your GCash for Business Account 
2. Log back in
3. Restart your loan application

If you’re still unable to receive your OTP, email GCash Merchant Support. Our team will reach out within 1–2 business days.