FLIN doesn't provide fresh money loans
We help customers manage and resolve their existing loans with financial institutions and lenders
FLIN is coming soon - register your interest, and we’ll notify you once we go live
We can organize your debts through debt consolidation and clearer repayment plans
Loans restructured
Lives impacted
ISO 27001 certified
Understand more about how we help you
If you have several loans, FLIN helps organize them through debt consolidation.
Instead of paying many lenders every month, FLIN helps create one clearer repayment plan that fits your financial situation.
FLIN operates under the proper regulatory framework, ensuring every process is secure, transparent, and reliable.
Every step is clearly explained so you understand how the solution works and can move forward with confidence.
See how FLIN compares to typical online lenders in the Philippines
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Talk to us and explore a realistic path to take a debt consolidation loan
We move with transparency and focus, ensuring every step we take aligns with our mission to help as many people as possible.
Every action we take is designed to deliver real, measurable impact on the lives of our clients and the wider community.
We operate with full accountability and ensure the well-being of our clients — grounded in integrity and genuine care.
We listen deeply, understand wholeheartedly, and serve with sincerity to help people build a better life.
Our advisors can help you understand the FLIN program, eligibility, requirements, and repayment options.
Speak with a financial advisor
Understand if you qualify
Get guidance on the best solution for your situation
The program focuses on institutional debt. However, consultants can help you create a structured repayment strategy for personal obligations.
Consultations, document submissions, and interviews may be completed online. However, the debt settlement process and post-disbursement financial literacy sessions must be conducted in person.
The Secured Debt Settlement program is debt settlement backed by property collateral, processed through legal verification (via a notary) and asset valuation by a certified appraiser.
FLIN helps ease debt burdens by negotiating lower interest rates and consolidating loans for better manageability.
Our services include:
FLIN was established around December 2024
Depending on the structure, funds are often allocated directly toward settling existing debts to ensure proper use of the program.
The program focuses on institutional debt. However, consultants can help you create a structured repayment strategy for personal obligations.
Step 1: Fill in the Consultation Form: Customer fill out a free consultation form.
Step 2: Initial Consultation: FLIN reviews customer data and contacts customer for an initial free consultation
Step 3: Documents Submission: Eligible customers submit documents via the Application Form. To expedite, you are encouraged to apply directly to the application form here: [xx]
Step 4: Financial Health Assessment: FLIN analyses your financial condition and prepares a debt relief proposal, called In-Principal Approval (IPA)
Step 5: IPA Acceptance and Debt Confirmation: Customer agrees to the IPA and pays the agreed success fee upfront
Step 6: Debt Mediation: FLIN and its partner negotiate debt with creditors (if applicable)
Step 7: Debt Settlement: Customer comes to the FLIN office for the debt settlement process
Step 8: Repayment: The customer pays instalments according to the program agreement
To conduct a proper evaluation of your debt-to-income ratio and repayment capacity in order to identify the most suitable financial solution.
Debt relief can have varying effects on your credit score. Successfully completing the program and paying off your debt can significantly improve your credit rating in CIC, as well as other credit bureaus in Philippines. With a better credit score, you may qualify for new home or car purchases, or other personal loans from formal banks at much lower interest rates.
