Lending For Good: How Every Loan Settled With PMA Helps Build a Brighter Future for Filipino Small Businesses
In the world of commercial lending, we know that success isn't a solo journey. Whether you are a broker or a borrower, your work relies on partnerships, trust, and the drive to bring an ambitious vision to life.
At Private Mortgages Australia (PMA), we’ve seen firsthand what it takes to build a business from the ground up, and we believe our responsibility to support entrepreneurship shouldn't stop at our own borders.
Your partnership with PMA carries a real-world impact that stretches far beyond the balance sheet. When you work with us, you aren’t just helping your own business grow; you are helping grass-roots entrepreneurs in struggling communities do the exact same thing.
PMA’s Active Giving Program
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When we were looking for a way to give back to the community we started looking for a charity partner that matched with the values of our company. The organisation that really resonated with us was Kiva, a global crowdfunding micro-finance platform that provides financial access to help underserved communities thrive.
More than a billion people globally remain entirely unbanked. They lack access to basic credit lines, everyday transaction accounts, and the formal financial history required to secure traditional commercial loans. This exclusion traps brilliant, industrious grass-roots entrepreneurs in cycles of economic stagnation.
Kiva prioritises supporting communities that need it most like refugees, women, people in climate threatened areas or marginalised populations. When deciding on which communities we would support through our Kiva loans we looked to our diverse, multicultural workforce which includes a core team of brilliant professionals hailing from the Philippines. Because our internal culture is deeply enriched by their talent, dedication, and insight, we felt a profound responsibility to extend our corporate social impact directly back to the hardworking Filipino community.
How We Direct Our Impact
We wanted to create a program that felt connected to our day-to-day work rather than just a faceless donation. Since 2020, we have integrated our Active Giving Program directly into our lending milestones.
As such, we’ve committed to lending $100 of company profit for every loan we settle. To keep this process grounded and personal, the responsibility of allocating these funds is rotated among our staff.
Each month, a team member who has demonstrated excellence or upheld our core values earns the opportunity to act as the "philanthropist" for that cycle. They choose which Filipino business owners or projects to support, ranging from local transport operators to small-scale agricultural ventures.
And to compound the effect of our outreach, the funds that have been repaid are then re-lent to the next business owner in need.
Building a Chain of Success
To date, our community has helped us deploy $17,750 across 99 individual loans. Our microloan portfolio has directly funded Philippine aquaculture projects, clothing stalls, small bakeries, independent transport operators, tailoring shops, agricultural farming, and vital vehicle repair services. These are real people running real businesses, facing the exact same foundational challenges that our local borrowers face, just on a different scale.
By choosing PMA as your lending partner, you are helping other small businesses to grow and support the communities they live and work in.
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