State-guaranteed loans hit P639.58 billion

MANILA, Philippines — The government has provided guarantees to nearly P640 billion in loans as of December 2025, as Philippine Guarantee Corp. (PhilGuarantee) ramped up efforts to strengthen lending to priority sectors and support inclusive and sustainable economic growth.

In a statement, PhilGuarantee said its partnerships with 200 lending institutions have enabled P639.58 billion in cumulative guaranteed loans since 2019, helping expand access to financing for housing, agriculture and micro, small and medium enterprises (MSMEs).

“PhilGuarantee continues to support economic growth by providing credit guarantees that strengthen lending to priority sectors. Through our work, we help build confidence in financing, enabling development programs that contribute to inclusive and sustainable growth,” it said.

As a government-owned and controlled corporation, PhilGuarantee provides credit guarantees to banks and financial institutions to help manage credit risk and encourage lending to key sectors.

It said these guarantees play a crucial role in development finance by sharing risk with lenders and allowing them to extend credit to projects and sectors that contribute to economic growth and social development.

“By strengthening confidence in the financial system, we help turn development goals into reality,” the firm said.

Data from PhilGuarantee showed that as of December 2025, its guaranteed financing helped 640,804 socialized and low-cost housing beneficiaries, supported 327,163 small farmers and fisherfolk and assisted 71,288 MSMEs, highlighting how guarantees can “drive inclusive growth with measurable results.”

As it looks ahead to 2026, PhilGuarantee said it would remain “a trusted, reliable and responsive partner,” helping financial institutions lend with confidence and enabling businesses, homeowners and communities to move forward.

“Through effective guarantees, PhilGuarantee continues to support inclusive growth that delivers real and measurable impact nationwide,” it said, adding that it remains guided by integrity, accountability as well as public service.