Investor FAQ

Do you have an online platform for lenders?

No we do not have an online platform for lenders. InvestEd’s lenders are primarily institutional lenders who lend Php 1,000,000 and above. In this regard we take a more personal approach in managing each of our lender’s fund, similar to a fund manager. For each lender, the interest earnings and reports are customized based on preferences.

What is the minimum amount to lend?

To become a lender at InvestEd, the minimum investment amount is Php 500,000. The SEC heavily regulates lending companies and only allows us to source capital from a few lenders. This is why we have to optimize the amount per slot allowed by the SEC. In this regard, it is not optimal for InvestEd to admit lenders below Php 500,000.

Certainly! InvestEd continuously accepts donations and grants of any amount from philanthropic sources. If you are interested in donating, please email us at for a proposal on how your donation or grant will be used.

How much do lenders earn?

Our lenders earn between 6%-12% interest per annum, depending on the investment amount, scheme, and other relevant terms.

Will InvestEd guarantee the return of my investment?

Yes. InvestEd takes liability for all capital loaned to students.

What happens when a student does not repay?

InvestEd does not lend to any student below 18 years old. In that case everyone is legally bound to their loan agreements. When a student does not repay, InvestEd responds depending on the borrower’s level of delinquency. For those that are in the early stages of delinquency, we increase frequency and expand channels of reminders. For those in the later stages, we can initiate house visits and legal proceedings from barangay subpoena to the small claims court. Additionally, all of our students have guarantors. After the early stages of delinquency, we already contact the guarantor and collect from them.

When and how do I receive payments?

Upon lending, we will be asking for your bank account where we will deposit repayments on a monthly basis or upon investment maturity, depending on your preference.

How long is the investment term?

The investment term will also depend on the investment amount and scheme. Terms typically range between 24 to 72 months. For a Php 500,000 investment, we can offer 24 months investment term where you will get interest earnings starting month 1.

Have you fully paid any of your lenders?

Certainly. Moreover, 90% of our lenders chose to reinvest their earnings with us.

Are there talent sourcing and recruitment benefits for lenders?

Certainly! Lenders may offer internship and full time job opportunities to our students. If you are not interested to lend but would like to be part of our employer network, please email us at

Can lenders interact with your students?

InvestEd holds one annual meet up between lenders and students. This is where lenders may come to meet and interact with students. Other than this, other ways of interaction must first be approved by InvestEd to ensure the safety of our students.

Can I pull out my money during the investment term?

It depends on the investment package you will get. Please contact us at to request for details regarding this.

Do I get reports about my students and funds?

All of our lenders receive customized reports about the status of their funds and the academic, employment, and repayment performance of their students.

Do you do background checks on your lenders?

Yes, we perform strict background checks and due diligence to all prospective lenders. InvestEd is committed to Anti Money Laundering practices.

Do you allow Foreigner and/or Overseas Filipino Worker (OFW) to invest in your students?

Yes. However, it will also depend on the country where the foreigner/OFW is residing. Please contact us if you are a foreigner or OFW who is interested to lend to our students.

Does InvestEd have a lending license?

Yes. InvestEd is operated by EDUC4ALL LENDING INC., a corporation that has been granted a lending license by the SEC. Our Certificate of Authority to Lend and Certificate of Incorporation is available upon request. InvestEd is also duly registered with BIR and complies with all tax requirements. Our Annual Audited Financial Statements and Income Tax Returns are available upon request for all official lenders.

InvestEd is also compliant with the Truth in Lending Act (R.A. 3765). This means that we give full disclosure to all our student borrowers regarding all costs involved with their loan. This includes (1) the cash price or delivered price of the service to be acquired (2) The amounts, if any, to be credited as down payment and/or trade-in (3) The difference between the amounts set forth under clauses (1) and (2) (4) The charges, individually itemized, which are paid or to be paid by such person in connection with the transaction but which are not incident to the extension of credit (5) The total amount to be financed (6) the finance charges (7) the percentage that the finance bears to the total amount to be financed expressed as a simple annual rate on the outstanding unpaid balance of the obligation.

Does InvestEd need a BSP (Bangko Sentral ng Pilipinas) License?

The answer is that InvestEd does not need to be licensed by the BSP. This is because BSP is only in charge of regulating banking and quasi-bank institutions. This is according to the "New Central Bank Act (R.A. 7653)" and Lending Regulation Act of 2007 (R.A.9474). In the Philippines, it is SEC that regulates lending companies.