SME lending at scale

Operating since 2011, Esquire Financing Inc. is a trusted non-bank financial institution dedicated to fuelling entrepreneurs across the Philippines, with minimal documentary requirements, flexible interest rates, and approvals in as little as one business day.

As the SME financing market matured, legacy systems and manual workflows started to hold the company back. Esquire needed a modern foundation that could unify operations, support its non-collateral loan model, and scale with demand.

Esquire chose Instafin for its true cloud-native architecture, support for non-collateral loans, and the ability to integrate seamlessly with onboarding, OCR, and CRM tools. Oradian's local presence in the Philippines and willingness to build bespoke functionality such as rediscounting and cheque auto-filling were decisive.

Esquire built a live data warehouse on top of Instafin and tripled its loan portfolio in under two and a half years, while gaining a single source of truth across the business. The platform now supports continuous product launches, real-time decision-making, and a five-year roadmap of growth.