If your utang feels heavy, FLIN is ready to help you
We can organize your debts through debt consolidation and clearer repayment plans
₱ 300 million
Loans restructured
500+
Lives impacted
ISO 27001 certified
Getting to know FLIN
Understand more about how we help you
A Smarter Way to Handle Debt
If you have several loans, FLIN helps organize them through debt consolidation.
A Clearer Repayment Plan
Instead of paying many lenders every month, FLIN helps create one clearer repayment plan that fits your financial situation.
Safe & Trusted
FLIN operates under the proper regulatory framework, ensuring every process is secure, transparent, and reliable.
Clear & Transparent Process
Every step is clearly explained so you understand how the solution works and can move forward with confidence.
Find the Difference Between FLIN and Others
See how FLIN compares to typical online lenders in the Philippines
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| What They Do |
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| Interest Rate |
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| Process |
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| Guidance & Support |
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- FLIN
- Helps consolidate and restructure existing debts into one clear plan
- Free consultation included
- Negotiates with creditors on your behalf
- Online Lenders
- Issues new cash loans or BNPL credit
- Adds a new debt on top of existing obligations
- No support for existing debt management
- FLIN
- Up to 36 months
- Online LendersMax only for 2 months
- FLIN
- Starts at 2% per month
- Competitive rate based on financial assessment
- Final terms depend on eligibility review
- Online LendersMinimum at 2.9% per month.
- FLIN
- Thorough financial health check before any recommendation
- Assessment in 2–3 business days after complete docs are submitted
- Negotiates with creditors to lower your burden
- Offers restructuring options to reduce monthly payments
- Online Lenders
- Fast disbursement after basic data collection
- Minimal to no credit analysis
- No negotiation or restructuring support
- Risk of adding debt without proper planning
- FLIN
- Dedicated credit team throughout the process
- Helps prevent falling back into the debt cycle
- Ongoing support during restructuring
- Online Lenders– None
Ready to take the first step to become Debt Free
Talk to us and explore a realistic path to take a debt consolidation loan
FLIN's Principles
Clarity in Purpose
We move with transparency and focus, ensuring every step we take aligns with our mission to help as many people as possible.
Act for Impact
Every action we take is designed to deliver real, measurable impact on the lives of our clients and the wider community.
Responsibility at Heart
We operate with full accountability and ensure the well-being of our clients — grounded in integrity and genuine care.
Empathy First
We listen deeply, understand wholeheartedly, and serve with sincerity to help people build a better life.
Frequently Asked Questions
Still Have Questions?
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.
FLIN helps ease debt burdens by negotiating lower interest rates and consolidating loans for better manageability. Our services include: Debt consolidation – Combining multiple loans into a single monthly installment. Debt restructuring – Adjusting payment schemes based on financial conditions. Debt refinancing – Replacing an existing debt obligation with a new loan, with lower interest rates, reduced monthly payments.
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.
- 1.Fill in the Consultation Form: Customer fills out a free consultation form.
- 2.Initial Consultation: FLIN reviews customer data and contacts customer for an initial free consultation.
- 3.Documents Submission: Eligible customers submit documents via the Application Form.
- 4.Financial Health Assessment: FLIN analyses your financial condition and prepares a debt relief proposal, called In-Principal Approval (IPA).
- 5.IPA Acceptance and Debt Confirmation: Customer agrees to the IPA and pays the agreed success fee upfront.
- 6.Debt Mediation: FLIN and its partner negotiate debt with creditors (if applicable).
- 7.Debt Settlement: Customer comes to the FLIN office for the debt settlement process.
- 8.Repayment: The customer pays installments 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.