Please allow three (3) banking days after your last payment due date before re-availing of eSALAD.

Re-availment process is similar to the process of your first availment. You can simply text: ESALAD [space] AMOUNT [space] No. of desired deductions, and send to 225657721

At least 21 years old, and must not be more than 60 years old upon loan maturity An employee of eSALAD-accredited companies Filipino/Foreigners/Expats provided term of loan will be co-terminus with contract and/or period of visa’s validity Regular employee with at least 6 months employment tenure with current employer Must be within the required salary income BPO: at least Php 10,000 average Net Monthly Income (NMI) Non BPO: at least Php 7,000 average Net Monthly Income (NMI)

After sending an SMS availment request, you will receive a reply from 225657721 indicating the approval of your request*. *Applicable to SBC payroll clients only  

The assigned credit limit means the amount you can avail of at any time with eSALAD. 6. Will the assigned credit limit vary from one employee to the other? Yes. Your assigned credit limit varies depending on the average net salary credited to your payroll account for the last 6 months.

You may specify the number of installments you want to repay the loan for a maximum of thirty-six (36) months*. Since you are an account holder of SBC, your monthly amortization will be debited every pay day, which would be twice (2x) a month. *Maximum loan term varies per accredited company.

Your loan amortization will be automatically deducted from your SBC payroll account every due date. Please adhere to your chosen payment method as agreed upon acceptance of T&C. If your payroll account is closed, you may opt to pay via bills payment.

Your payment due date is based on your payroll cut-off dates. The amortization will be automatically debited from your payroll account salary credits.

Your first due date is the immediate payroll date after your availment. However, if you avail five (5) days before your payroll date, your first due date will be the succeeding payroll date.

eSALAD is only available to employees whose companies are eSALAD-accredited.

Please call the SBF Customer Service Hotline at (+632) 8887-9188. 14. What is Employee Salary Advance (eSALAD)? eSALAD is a digital loan facility that allows borrowers to advance their next salary in the fastest and most convenient way possible. It comes in a digital and personalized customer journey – from enrollment, to availment, up to after-sales

Your loan proceeds will be credited automatically to your payroll account and an SMS confirmation will be sent to your registered number upon successful credit.

All SMS requests and confirmation with correct format are FREE for Globe and Smart* *Applicable to SBC payroll clients only

You can avail of an amount of PhP 10,000 up to PhP 2 million in eSALAD. The maximum loanable amount offer depends on your payroll salary credits. Your assigned credit limit will be given based on your computed net average salary credits for the past 6 months.

Yes. SMS will be disapproved or rejected if: -Mobile number is not registered -SMS format is incorrect -Company agreement is terminated -Requested amount exceeded the limit of the customer’s credit line -Customer has an existing loan availment -With gap in salary credits within 6 months -Customer has resigned from the company

You may call SBF Customer Hotline at (+632) 8887-9188 for further assistance. You may report the incident by indicating the following details: -Keyword sent -Date of SMS -Time of SMS -Mobile Number or; -Simply provide the screenshot of the message

No. Our SALAD system will only link you to one (1) mobile number.

If your salary is insufficient for the amortization amount, the payment will be considered “Missed” amortization. Unpaid amortization will be collected once your account has sufficient balance to cover the remaining amortization amount on top of the amount due for the current cut-off PLUS an additional late payment charge.

Yes. You can make an over the counter (OTC) payment in any Security Bank Branch near you.

No. Our late payment charges are fixed.

Our SBF Collections Team will coordinate with you via phone, SMS, letter, and e-mail or through your HR Representative.

You must accurately indicate your active personal mobile phone number during your application. Important Note: Sharing of mobile phone numbers is not allowed, and any deviation/discrepancy on mobile numbers may cause delays in processing.

You may avail by texting the following syntax:

ESALAD [space] AMOUNT [space] No. of desired deductions, and send to 225657721

eSALAD 60000 12 (availment of 60,000 payable in 12 deductions or 6 months loan term, assuming a twice-monthly salary cut-off)

You may call our SBF Customer Service Hotline at (+632) 8887-9188 for further assistance.

You may settle your loan at any Security Bank branch bills payment facility or through our accredited payment channels (Security Bank Online App, CVM Pawnshop, Gaisano Malls, and 7-eleven). Put SB Finance as biller, and use your loan number as reference. We encourage you to settle your loan balance in full before due date to avoid any inconvenience and additional charges. Note that payment transactions made on non-business days will be considered as the next business day's transactions, and will be posted on the next business day after the transaction date. All other transactions will be posted on the next business day. For example, payments made on Saturday or Sunday will be considered as Monday’s transactions, which will be posted the following day, Tuesday. Similarly, if Monday is a holiday, the transactions on this day will be considered as Tuesday’s transactions, and will be posted on Wednesday. If Monday is a regular business day, transactions will be posted on Tuesday.

You may call your existing telco provider, and request to activate your Value Added Service (VAS) to receive SMS offers from SB Finance. You also have the option to change the mobile number enrolled under your eSALAD account by calling our Customer Service Hotline at (+632) 8887-9188.

The amount due will be put on hold 2 banking days before the declared payout schedule. This means that available funds equivalent to but not more than the amount due will already be put on hold and cannot be withdrawn from the account. But, if your due date falls on a Wednesday, the holding period will start as early as Saturday.

You may inquire it with your company HR or click this link and input your Complete Name, Company Name, Age and Email Address.

Your loan amortization will be automatically deducted from your SBC payroll account every due date. If there is no available salary to be credited, you must manually fund your SBC payroll account on or before the due date to cover your loan payments and avoid any charges.

No, this does not mean rejection. If you haven’t received any message after 7 banking days, please call the hotline to check your status.

Loan offers are based on your average salary credits over the past 6 months. Offers may vary monthly, and can also be seasonal.

Only employees who receive a message from eSALAD are prequalified for top-up loans.

This may be due to skipped salary credits or salary being credited earlier/later than expected. Please call the hotline to request reactivation via +632 8887 9188 from 8:30 am to 5:30 pm, Mondays to Fridays (except holidays),or email us at [email protected].

Deductions will continue. To avoid missed payments, deposit to your payroll account.

To inquire about your eligibility, please call our Customer Service hotline at +632 8887 9188 from 8:30 am to 5:30pm, Mondays to Fridays (except holidays), or email us at [email protected].

There are various possible reasons (inactive status, expired loan, etc) why an employer may be marked ineligible.Please call our Customer Service hotline at +632 8887 9188 from 8:30 am to 5:30 pm, Mondays to Fridays (except holidays), or email us at [email protected].

Yes, as long as your loan is fully paid by the maturity date.

You may request a copy by calling our Customer Service hotline at +632 8887 9188 from 8:30 am to 5:30 pm, Mondays to Fridays (except holidays), or email us at [email protected].

Please report this to the hotline so our Account Officers can check. Please call our Customer Service hotline at +632 8887 9188 from 8:30am to 5:30pm, Mondays to Fridays (except holidays), or email us at [email protected].

Please request a Statement of Account (SOA) by calling the Customer Service hotline at +632 8887 9188 from 8:30 am to 5:30 pm, Mondays to Fridays (except holidays) or email us at [email protected]. You will be given your loan number, which you can use to pay at any SBC branch.

If you're not receiving an SMS response from 225657721 after sending your availment message, follow these steps to troubleshoot and resolve the issue:

1. Delete all previous conversations from 225657721.
2. Deactivate your mobile phone’s roaming services, and turn off your mobile data and Wi-Fi.
3. Save 225657721 in your phonebook. Some phones automatically add 0, 02, or +63 to numbers, which causes misrouting on the telco’s side.
4. Try availing again by texting: ESALAD [space] AMOUNT [space] No. of desired deductions, then send it to 225657721.
5. If you still don’t receive an SMS, insert your registered SIM card into another Android device, and repeat steps 1 to 4.

Here’s a simple set of steps to resolve or troubleshoot the issue:

1. Delete all previous conversations from 225657721.
2. Deactivate your mobile phone’s roaming services, and turn off your mobile data and Wi-Fi.
3. If you’re using a prepaid SIM card, please ensure you have a regular load balance of at least PhP 2.50.
   Note: SMS to and from eSALAD is free for Globe and Smart users, but the system still requires a regular load to send and receive these messages.
4. Save 225657721 in your phonebook. Some phones automatically add 0, 02, or +63 to numbers, which causes misrouting on the telco’s side.
5. Try availing again by texting: ESALAD [space] AMOUNT [space] No. of desired deductions, then send it to 225657721.
6. If you’re still having trouble sending SMS, insert your registered SIM card into another Android device, and repeat steps 1 to 5.

You can avail of CSL by following these steps:

1. Get the online portal link and company code from your HR representative or during the employee orientation program in your company. You may also https://www.sbfinance.com.ph/esalad-company-code-request/ and input your Complete Name, Company Name, Age and Email Address.
2. Click apply, and encode your company code prior to loan application.
3. Complete the loan application basic information details, and upload the required documents:
   • Latest 1 month pay slip
   • Photocopy of company ID
   • Photocopy of government ID
4. Encode your desired loan amount and loan term.
5. Encode your personal bank account for the crediting of the loan proceeds via PESOnet.
6. Submit your application.
7. Make sure to copy your loan reference number to monitor the status of your application.

You can check or monitor your loan application status in the online portal link by clicking the “check status” tab.

Loan re-availment is allowed after your company has remitted your last amortization due.

Loan re-availment has the same process as the new CSL application:

1. Get the online portal link and company code from your HR representative or during the employee orientation program in your company.
2. Click apply, and encode your company code prior to loan application.
3. Complete the loan application basic information details, and upload the required documents:
   • Latest 1 month pay slip
   • Photocopy of company ID
   • Photocopy of government ID
4. Encode your desired loan amount and loan term.
5. Encode your personal bank account for the crediting of loan proceeds via PESONet.
6. Submit your application.
7. Make sure to copy your loan reference number to monitor the status of your application.

Regular employees of an accredited company will be considered eligible if they meet the following criteria:

• At least 21 years old and not more than 60 years old upon loan maturity.
• Filipino / Foreigners / Expats provided term of loan will be co-terminus with contract and/or visa validity.
• Regular employee with at least 1-year employment tenure with current employer.
• Income requirement: minimum gross monthly income of PhP8,000.

You can avail a minimum amount of PhP10,000 up to PhP2 million, depending on your income capacity based on your latest 1-month pay slip.

Options are 6, 12, 18, 24, and 36 months.

If still connected with the company, payments will be processed via salary deduction. If resigned, you may settle your loan at any Security Bank branch or through accredited payment channels (Security Bank Online App, CVM Pawnshop, Gaisano Malls, 7-Eleven, and GCash). Put SB Finance as biller and use your loan number as reference.

Your payment due date is based on the remittance due date set by your employer. Your first due date will commence after 30 days or depending on the cut-off date of the loan availment with confirmation from your HR.

• Processing Fee: PhP500 for loans up to PhP500k
• Late Payment Fee: 3% of past due amount or PhP500, whichever is higher
• Closure Handling Fee: 5% of outstanding balance; waived for resigned employees
• Notarial Fee: PhP300 for loans greater than PhP500k
• Documentary Stamps: PhP1.50 for every PhP200 for loans above PhP250k

CSL is a clean loan facility offered to regular employees of SB Finance’s accredited companies.

CSL can be availed by all regular employees of a company accredited by SB Finance.

Yes. Loan applications can be declined depending on credit checking and loan exposure of the employee-borrower.

If your net pay is insufficient, unpaid amortization will be collected on the next due date along with late payment fee of 3% or PhP500, whichever is higher.

Yes. You can pay at any Security Bank branch and coordinate with your HR representative, forwarding proof of payment.

No. Late payment fee is fixed.

Our SBF Collections Team will coordinate with you via phone, SMS, letter, email, or through your HR Representative.

Yes, for eligible clients. Loan top-up is allowed upon reaching 50% payment provided you have no missed payments or delinquency.

You may email or call the assigned account officer handling CSL in your company, or coordinate with your HR representative.

As you resume work, HR will process deductions including penalties. Alternatively, you may pay via Security Bank branch or accredited channels.

Only employees who receive a message from eSALAD are prequalified for top-up loans.

Deductions will continue. To avoid missed payments, deposit to your payroll account.

Please report this to the hotline (+632 8887 9188) or email [email protected].

Request a Statement of Account (SOA) by calling (+632 8887 9188) or emailing [email protected]. Use your loan number to pay at any SBC branch.

Creditor Group Life is a group term insurance issued to a creditor covering the lives of its borrowers in an amount based on the original or outstanding loan balance. In the event of death of the borrower before the loan is fully repaid, Sun Life Grepa pays the CGL coverage to the creditor/group policyholder. Any excess benefit shall be paid to the borrower’s designated beneficiaries.

The insurance plan pays the borrower's outstanding loan balance in the event of death due to any causes. This protects the family borrowers and loved ones of the deceased or permanently disabled borrower from any financial obligations or burdens that can be transferred to the estate of the deceased borrower.

Credit Group Life (CGL) provides coverage based on the principal loan amount of the borrower.

All SB Finance payroll account and non-payroll account borrowers who are in good health, are at least 18 years old but not more than 65 years, meet the minimum loan amount, and have complied with the declaration form shall be eligible to enroll in the plan. Borrowers engaged in hazardous activities or military service are not eligible.

After the loan proceeds have been disbursed, insurance coverage of the eligible borrower shall commence immediately.

Each covered borrower will receive an e-copy of Proof of Cover from Sun Life Grepa Financial Inc stating that the insurance coverage has commenced.

No. The insurance is designed for one SB Finance borrower per active loan only.

A covered borrower may cancel the insurance plan provided that there are no claims made on the account within the policy period. Cancellation requests can be made through SB Finance Customer Service at (+632) 8887-9188.

The coverage ends on the earliest of: policy termination, loan discharge, default for more than 3 months, transfer of loan ownership, end of premium payment period, termination notice from SB Finance, or when the borrower attains age 66.

The CGL benefit shall not be paid if the borrower’s death is due to suicide within one year after the effective date or reinstatement date of the insurance.

Contact SB Finance Customer Contact Group at (+632) 8887-9188 or Sun Life Grepa at +632-8-866-6360 to 61. Complete required documents and submit to SB Finance Head Office or provincial hubs.

Requirements include: Claimant’s Statement Death Benefit Form, Death Certificate, Birth Certificate (or substitutes), Government IDs, Loan Ledger, and supporting documents based on beneficiary relationship.

Legal Spouse: Marriage Contract (Certified true copy required for Sum Assured above Php 500,000)

Children/Siblings of legal age: Photocopy of Birth Certificate

Children/siblings below 18 years old: Father must represent the minor; in his absence, the mother

Children/siblings below 18 (orphaned): Certified True Copy of Death Certificate of parents and Original Affidavit of Guardianship with Undertaking

Children/siblings below 18 years old and insurance benefit above Php 500,000: Certified True Copy of Court approved guardianship bond

The standard turn-around time is 14 working days, but may take longer if claims are contestable within 1 year from enrollment.

Pre-existing health conditions are not covered within one year for CGL. Sudden onset illnesses diagnosed after the effective date are covered even within the contestability period.

Proceeds first pay off any unpaid loan balance. Any excess goes to lawful beneficiaries following hierarchy:

• If no record of marriage and single parent: Original CENOMAR, notarized Affidavit of Extra Judicial Settlement (EJS) by all legal heirs with Birth Certificates.
• If Single (parents living): Original CENOMAR, Claimant’s Statement form of parents, Death Certificate if one is deceased, or Affidavit of Waiver.
• If Single (parents both deceased): Original CENOMAR, Death Certificates, notarized EJS by siblings with Birth Certificates.