Our story

The journey of Salmon Group

Foundations

The first company out of what today forms Salmon Group traces its roots back to 1963 with the founding of the Rural Bank of Sta. Rosa (Laguna) by the Melencio family. Built on a foundation of community, integrity, and dedicated customer service, the bank has long been a trusted financial partner to the community.

Our lending companies

The two financing companies that also form Salmon Group today (Sunprime Financing Inc. and FHL Financing Inc.) have been established in 2019 and 2022, respectively. Sunprime Financing Inc. was created in 2019. On 2 October 2019, Sunprime received its Certification of Incorporation and Authority to Operate as a Financing Company from the SEC with the following credentials: (a) SEC Registration No.: CS201916698 and (b) Certificate of Authority (CA) No.: 1241.

On 7 October 2019, Sunprime Finance Inc. amended its Articles of Incorporation to include an online lending platform (“OLP”) named “LoanOnline” as one of its business names. On 14 October 2019, Sunprime Finance Inc. filed with the SEC its Affidavit of Compliance related to its OLPs, including “LoanOnline,” in accordance with all applicable laws and regulations and before the deadline provided for by the SEC’s Memorandum Circular No. 19, Series of 2019 (SEC MC 19-2019), thus becoming a fully licensed OLP.

The second financing company in the Salmon Group, FHL Financing Company, was formed in October 2022 and received its SEC registration with credential Reg. No. 2022100071291-07, C.A. F-22-0038-29.

Sunprime_Affidavit_of_Compliance.pdf Sunprime_Certificate_of_Incorporation_and_Certificate_of_Authority.pdf Sunprime_Certificate_of_Amendment_of_AOI.pdf FHL_Services_Inc_SEC_Certificate_of_Incorporation.pdf

One Salmon Group

In 2023, the bank and financing companies came together under a single shareholder umbrella — Salmon Group Ltd., marking a new chapter of growth and innovation.

Salmon Group is supported by a group of world-class investors, including the International Finance Corporation (a member of the World Bank Group) and ADQ/Lunate, the sovereign wealth fund of Abu Dhabi. New shareholders injected more than ₱4.4B into the capital of Salmon Group. Key shareholders of Salmon Group received applicable approval from the Bangko Sentral ng Pilipinas (BSP) as “fit and proper” for the Group to become the controlling shareholder of the bank. Similarly, on 2 April 2023, Sunprime Financing Inc. submitted its Affidavit of Compliance to amend its existing OLP “LoanOnline” as a result of the Amended Business Plan as supported by MC19.

Salmon_IPO_Registration.pdf

Innovation, technology, and best-in-class products

With new capital and a unified corporate structure, Salmon has rapidly introduced innovative offline and online lending products that promote financial inclusion in the Philippines. These include in-store installment loans, cash loans, revolving credit lines, and physical and virtual cards—designed to be accessible, transparent, and easy to use. Today these are the products that are loved by many Filipinos.

Installments

Enjoy now. Pay monthly

Buy and bring home what you want today and pay later in easy monthly installments with Salmon Financing

Salmon Credit

Easy financing for every need

Be ready for everything, from shopping sprees to real-life emergencies. Borrow up to ₱100,000

Salmon Access Card

Unlock new ways to use Salmon Credit

Use your Salmon Credit with a prepaid card accepted worldwide via Mastercard

Our customer responsibility

Today, Salmon is a leading financial technology company in the Philippines, dedicated to providing responsible lending solutions. Our customer service is renowned for its human touch. We adhere to the highest standards set by the BSP, SEC, the International Finance Corporation, and the SPTF/Cerise Customer Protection Pathways framework in ensuring customer protection.

Vision for the future

At Salmon, we’re committed to building a future where every Filipino has access to transparent, fast, and flexible financial services that have a human touch to them.

We are not offering clients a financial product. We offer them a lifelong relationship that makes money accessible, be it to pursue their dreams or to use as an emergency fund in case of need.

4.7

App Rating

LoanOnline, powered by the Salmon app, serves as the online lending platform for Sunprime Finance, Inc. (SEC Reg. No. CS201916698, C.A. No 1241). Read the Terms and Conditions before availing of this loan product.

News

08.06.2026

Salmon is one of the six PH lenders with a Cerise+SPTF Client Protection Certification. Here’s what it means for customers like you.

06.05.2026

Salmon Bank (Rural Bank) Further Strengthens its Leadership Team to Support Continued Growth

20.04.2026

$100 Million Financing Round by Salmon to Accelerate Growth in the Philippines