Swiss Finance and Investment Corporation (SFIC) was created to take advantage of investment opportunities in the growing Philippine economy. It was established under the Financing Company Act of 1998 (Republic Act No. 8556) SFIC’s shareholders consist of 60% foreign and 40% Filipino investors (Republic Act No. 8556 provides that at least 40% of the voting stock shall be owned by Philippine citizens).
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Recognizing the growing economic importance of SMEs and the challenges they face in accessing appropriate funding from banks, SFIC decided in the second half of 2011 to focus all its activities on its most attractive investment segment: SME financing. New European investors were invited and joined the SFIC advisory board end of 2011. SFIC went through an internal reorganization program to focus solely on SME finance and optimize all its internal processes and systems including its risk management.

A new market strategy was put in place to take advantage of the tremendous potential of SME financing. SFIC is now in a position to become one of the dominant players in the financial services sector in the Philippines, addressing the needs of SMEs.

The primary purpose of SFIC is to provide structured finance services to SMEs in the Philippines. Loans are mainly granted on a short-term basis to bridge funding requirements for day-to-day business operations. Due to their short term nature, such loans usually are subject to higher interest rates, which in turn result in excellent returns for the company. SFIC also acts as an advisor to its clients and works closely with banks and other financial institutions in order to facilitate long term financing of larger projects and business expansions, as well as the syndication of loans.

SFIC has a specialist team who ensures that the quality of the loan portfolio is balanced in order to achieve the company’s earnings objectives while maintaining proper credit standards. Risks are managed in such a way that they do not exceed reasonable levels.

The organization is patterned after that of banks to ensure that proper checks and balance are in place. The hierarchy is intentionally flat for quick decision making. However, several changes were made to improve the speed of service. Processes were shortened to increase efficiency and marketing was segregated by industry specialization for better customer focus.