Maya Business Loan Review

Maya Business App is a free all-in-one business solutions application that helps to easily manage your remittance services, top-up, and telco and gadget products. It's an e-commerce solution in your phone that would help you to integrate it into your sari-sari store and businesses without the additional stress of monitoring and management, as all transactions have records and are fully manageable.

A single account in Maya Business can be used by multiple frontliners in your store, such as cashiers, clerks, or store attendants, and all transactions are fully synchronized to the single account. This feature is essential to the owner with multiple businesses for tracking and avoiding misuse of service.

Maya Business App features include Maya remittance, bank transfer, bill payment solutions, mobile top-up, cable top-up, accepting payment through QRPH, SariMall—where you can sell different appliances and gadgets at your own pace—and the loan. This article will focus on the loan offered by Maya Bank Inc. to the eligible users of the Maya Business App. Keep reading so you will understand all things needed to know about Loan in Maya Business.

How to get a Maya Business Physical Card?

Let's discuss first how you will withdraw your money in the Maya Business App. You have three ways to withdraw cash in Maya Business:

Send fund in your Maya account. Sending money from Maya Business to Maya Account is 100% free of charge and has no limit.
Bank Transfer. Transfer your funds to any bank. A transfer fee may apply.
Using a Physical Card. No physical card yet. Order a Maya card in your Maya app. After you receive the card, open the Maya Business app > Wallet > Link Card.

Note: if you think that the connected card in your personal Maya app can be transferred to your business app, you have the wrong idea. To disconnect the card in the Maya App, you need to block the card, but "Block Card" cannot be used anymore once it is blocked.

How to become eligible for a Maya Business Flexi Loan?

Maya Business will enumerate for you in the app the minimum requirements to be able to gain credit ratings in the app aside from their external assessment of your profile and credit history from their partners and third parties.

You must have a good credit standing in Maya Business.
At least you will accumulate no less than 2,000 earnings monthly in the Maya Business App.
And, at least, you are a 90-day Maya Business account holder.

These minimal requirements will help you to boost your credibility in the app and gain trust from Maya Bank Inc.

How much is the minimum and maximum loanable amount in the Maya Business App?

Maya Business offers loans to their users from 500 pesos to 350,000 pesos in wallet credit for you to extend your business and gain more profits. This amount is payable for 30 days to 90 days only, where the payment system will deduct from your wallet balance in every transaction you make in the app.

For example:

You have a 1300 loan. Maya will deduct a documentary stamp from your loan amount, which is just 0.067%, and they will add an 8.06% interest rate and other charges to your loan. Now you will return the money in the amount of 1404 for 30 days.

The system of payment: Maya will give you the amount to be deducted from your wallet every time you have a transaction in the app, such as a load or cable top-up.

In this case, the 1404 will be divided into 93 transactions—a said transaction is an average value according to the app, so Maya will deduct 14.94 pesos each transaction until you have fully paid the loan. In case you miss the due date, Maya will charge 5% to your balance due.

If you want to try the Maya Business App, download it here!

Other related Articles:

•How to increase your Maya easy credit?

•The best way to convert Ggives into Cash

•Paraan upang mabilis tumaas ang iyong GScore

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