NovaSkot
For Philippine-based contractors

Your foreign client income should count.

Help us build better financing access for Filipino contractors.

Check My Eligibility Takes approximately 3 minutes.
6 months
of history is enough
No logins
statements only
Written answer
in plain language
A contractor at her desk reviewing printed statements beside a laptop.

Steady client payouts, invisible on paper

Does this sound familiar?

You earn enough to afford the monthly payments, but lenders still ask for documents designed for traditional employees.

You may have experienced

  • Being rejected because you are self-employed or a contractor
  • Receiving a much smaller credit limit than expected
  • Difficulty proving income from foreign clients
  • Being asked for payslips you do not have
  • Being offered only high-interest loan apps
  • Trouble financing a car, home improvement, equipment, or another major purchase

Your income may be real and recurring—even if it does not look like a normal salary.

The gap

You earn steadily. The paperwork just does not show it.

A hand holding a fan of Philippine peso banknotes.

Lenders in the Philippines are built around payslips and employer certificates. If your income lands from a client in Berlin or Toronto through Wise or Payoneer, it often reads as no income at all — even after years of consistent work.

“Five years of steady payouts, and the application form still has nowhere to put them.”
Design contractor · Cebu City

How it works

Three steps, about three minutes.

  1. 1

    Tell us how you get paid

    Which platforms, roughly how much, how long you have been at it. Ranges are fine.

  2. 2

    Upload your bank statements

    Attach your last three to six months of statements showing client payouts — a PDF or screenshot from your banking app is enough. No logins or passwords, ever.

  3. 3

    You get a written answer

    A plain summary of where you stand and what happens next. If we cannot help yet, we say so.

You can stop at any step. Nothing is shared with a lender unless you say yes in writing.

How much financing could you qualify for?

Your potential financing amount depends on your verified monthly income, income stability, existing debts, work history, and the lender's requirements.

Typical range

₱100,000 to ₱500,000

Based on verified monthly payouts from foreign clients.

Possible uses include

  • Work equipment
  • Home improvements
  • Medical or family expenses
  • Business expansion
  • Moving costs
  • Motorcycle or car down payments
  • Other major purchases

Illustrative eligibility ranges

Verified monthly income Potential financing range
₱60,000–₱99,999 ₱50,000–₱150,000
₱100,000–₱149,999 ₱100,000–₱300,000
₱150,000–₱249,999 ₱200,000–₱500,000
₱250,000 or more ₱300,000 or more

These ranges are examples and are not guaranteed offers. Actual eligibility may be higher or lower depending on your financial profile and the lending partner's assessment.

See what your contractor income may qualify for.

Check My Eligibility

Who NovaSkot is for

Freelancers and contractors based in the Philippines who are paid by clients abroad, through any of these:

  • Wise
  • Payoneer
  • Upwork
  • Deel
  • Direct bank transfer
A busy street in Metro Manila lined with jeepneys, cars and shopfronts.

A mix of platforms is common and completely fine. Six months of history is enough to take part.

Your data

What we ask for, and what we never ask for.

We ask for

Your platforms, income range, how long you have been freelancing, recent bank statements, and one way to reach you.

We never ask for

Passwords or logins to your payout accounts, your OTPs, card numbers, or app permissions on your phone.

See where you stand in three minutes.

Check My Eligibility Takes approximately 3 minutes.
Free · about 3 minutes Check My Eligibility