The DBP Instant Working Capital is most suitable for small and medium sized businesses – manufacturing, trading and service companies – selling on open account terms to other commercial entities, not to retail/private customers, located either in the Philippines or overseas.

Any clearly defined receivable is suitable. Installment payments, stage payments, sale or return transactions, and receivables with retention clauses are not qualified.

Potential users tend to be growing businesses with limited fixed assets against which they can raise traditional lines of credit. As the sales increase, the financing facility matches such growth, thus, providing adequate working capital finance for businesses with limited paid up capital and a relatively low level of fixed assets to provide as collateral for other types of credit.