Business Pinoy Podcast with Mommy Negosyo

Turn your dreams into reality with the FREE Business Breakthrough Starter Kit—available now at mommynegosyo.com!

In this episode, we talk about registering your business with the BIR can make a big difference when applying for a loan. It shows lenders that your business is legitimate and compliant, which can increase your chances of approval. Having your records in place also helps build trust with banks and other financial institutions. When challenges come, remember that bank tellers can be valuable allies. If you’re struggling with payments, they can guide you toward available restructuring plans or programs to help you manage your obligations better. Lenders also submit their loan transaction records to a government agency, where the data is used to create your credit score. This score becomes a key factor in how lenders decide on your applications. Join us to learn how these steps can improve your chances of getting financial support and help you build a stronger foundation for your business growth. Tune in now!

Highlights of the episode:

- How lenders track your loan history: Lenders send your loan records to a government agency that checks and keeps track of your borrowing history.

- Importance of being compliant: Keeping your business records updated builds trust with banks and financial institutions.

- Talking to bank tellers when you need help: Bank tellers can give advice and guide you to programs that can help if you are having a hard time paying your loan.

- Loan restructuring programs: These programs can make it easier to manage payments and keep your business on track.

Who is Mommy Negosyo?

Myrna “Mommy Negosyo” Tam-Natividad is the first-ever Female Entrepreneur of the Year Awardee of the Department of Trade and Industry in Zamboanga City for 2017 and the prime developer of Grow Your Business, Pinoy! Roadmap® (GYBP! Roadmap®). She was also chosen as one of the 100 Most Influential Filipinas in 2018 by the Global Association of Women called Filipina Women's Network based in the US.

Empowering 10,000 Pinays like you to become successful business builders!

Connect with Mommy Negosyo:

Instagram – https://instagram.com/MommyNegosyo

Facebook – https://www.facebook.com/YourMommyNegosyo/

Purpose Driven Business Builder Facebook Group – https://www.facebook.com/groups/purposedrivenbusinessbuilders

Grow Your Business Pinoy Facebook Group – https://www.facebook.com/groups/GYBPMovement

YouTube – https://www.youtube.com/c/MommyNegosyo

TikTok – https://www.tiktok.com/@mommynegosyo

#MommyNegosyo #businesstips #PinoyBusinessMentor #businesshacks #StartABusiness #NegosyongPinoy

Turn your dreams into reality with the FREE Business Breakthrough Starter Kit—available now at mommynegosyo.com!

In this episode, we talk about what really matters when applying for a loan and how small business owners like you can take the first step. From building trust with lenders to using the right tools, this is a simple guide to get you moving forward with confidence. We also share how your personal credit card can affect your business loan application. Good credit habits matter, but it’s also important to keep personal and business finances separate. That’s why choosing a business loan for business needs makes a big difference in the long run. Join us to understand what banks really look at, how to avoid early mistakes, and how to build the right foundation for your business. Tune in now!

Highlights of the episode:

- Why your credit habits matter: Understand how the way you use your credit card can help or hurt your chances of getting approved.

- What lenders really look for: Get a clear idea of what banks and lenders check when you ask for a loan.

- Building trust as a small business owner: See how your money habits and record-keeping build trust with lenders over time.

- Simple ways to prepare for a loan: Get tips that will help you feel more ready when you talk to a bank or lender about funding.

Who is Mommy Negosyo?

Myrna “Mommy Negosyo” Tam-Natividad is the first-ever Female Entrepreneur of the Year Awardee of the Department of Trade and Industry in Zamboanga City for 2017 and the prime developer of Grow Your Business, Pinoy! Roadmap® (GYBP! Roadmap®). She was also chosen as one of the 100 Most Influential Filipinas in 2018 by the Global Association of Women called Filipina Women's Network based in the US.

Empowering 10,000 Pinays like you to become successful business builders!

Connect with Mommy Negosyo:

Instagram – https://instagram.com/MommyNegosyo

Facebook – https://www.facebook.com/YourMommyNegosyo/

Purpose Driven Business Builder Facebook Group – https://www.facebook.com/groups/purposedrivenbusinessbuilders

Grow Your Business Pinoy Facebook Group – https://www.facebook.com/groups/GYBPMovement

YouTube – https://www.youtube.com/c/MommyNegosyo

TikTok – https://www.tiktok.com/@mommynegosyo

#MommyNegosyo #businesstips #PinoyBusinessMentor #businesshacks #StartABusiness #NegosyongPinoy

Turn your dreams into reality with the FREE Business Breakthrough Starter Kit—available now at mommynegosyo.com!

In this episode, we talk about the simple but important documents you need to open a business account or apply for a loan. Many business owners miss out on opportunities just because they don’t prepare the right papers. We also explain why compliance matters and what banks really look for when reviewing your application. Having collateral helps—but it's not the only thing that matters. Knowing what to submit and understanding the process gives you a better chance. This is not just about paperwork. It’s about giving your business a real shot at growth. Join us to learn what documents you really need, how to avoid delays, and how to improve your chances of approval. Don’t let missing one detail hold your business back. Tune in now!

Highlights of the episode:

- Business documents you need for account opening: Learn what papers banks ask for when you open a business account so you don’t miss anything important.

- Why compliance is a big deal: Understand why giving the right documents and following the rules can save you time and make the process easier.

- The truth about collateral: Find out why having collateral helps in getting a loan but is not always enough on its own.

- Common mistakes in loan applications: Know what errors most business owners make when applying for a loan and how to avoid them.

Who is Mommy Negosyo?

Myrna “Mommy Negosyo” Tam-Natividad is the first-ever Female Entrepreneur of the Year Awardee of the Department of Trade and Industry in Zamboanga City for 2017 and the prime developer of Grow Your Business, Pinoy! Roadmap® (GYBP! Roadmap®). She was also chosen as one of the 100 Most Influential Filipinas in 2018 by the Global Association of Women called Filipina Women's Network based in the US.

Empowering 10,000 Pinays like you to become successful business builders!

Connect with Mommy Negosyo:

Instagram – https://instagram.com/MommyNegosyo

Facebook – https://www.facebook.com/YourMommyNegosyo/

Purpose Driven Business Builder Facebook Group – https://www.facebook.com/groups/purposedrivenbusinessbuilders

Grow Your Business Pinoy Facebook Group – https://www.facebook.com/groups/GYBPMovement

YouTube – https://www.youtube.com/c/MommyNegosyo

TikTok – https://www.tiktok.com/@mommynegosyo

#MommyNegosyo #businesstips #PinoyBusinessMentor #businesshacks #StartABusiness #NegosyongPinoy

Turn your dreams into reality with the FREE Business Breakthrough Starter Kit—available now at mommynegosyo.com!

In this episode, we talk about simple but important tips that can help you start strong. From making sure your business is registered to understanding the documents banks often require, we walk you through what you need to know before approaching a lender. We also share why building a good relationship with your bank matters. It’s not just about opening an account. It’s about trust, consistency, and showing them you're serious about your business. These small steps can help improve your chances of getting approved. Join usto learn what most new business owners miss when applying for a loan — and how you can avoid the common roadblocks from the start. Tune in now!

Highlights of the episode:

- Getting your business loan for the first time: Learn simple steps that can help you apply for your first loan with more confidence and less stress.

- Why business registration matters: Understand how registering your business and meeting local rules can help build trust with the bank.

- Preparing the right documents: Know what papers you need to get ready so you don’t waste time when applying.

- Building a good relationship with your bank: See why it helps to connect with your bank early, not just when you need money.

Who is Mommy Negosyo?

Myrna “Mommy Negosyo” Tam-Natividad is the first-ever Female Entrepreneur of the Year Awardee of the Department of Trade and Industry in Zamboanga City for 2017 and the prime developer of Grow Your Business, Pinoy! Roadmap® (GYBP! Roadmap®). She was also chosen as one of the 100 Most Influential Filipinas in 2018 by the Global Association of Women called Filipina Women's Network based in the US.

Empowering 10,000 Pinays like you to become successful business builders!

Connect with Mommy Negosyo:

Instagram – https://instagram.com/MommyNegosyo

Facebook – https://www.facebook.com/YourMommyNegosyo/

Purpose Driven Business Builder Facebook Group – https://www.facebook.com/groups/purposedrivenbusinessbuilders

Grow Your Business Pinoy Facebook Group – https://www.facebook.com/groups/GYBPMovement

YouTube – https://www.youtube.com/c/MommyNegosyo

TikTok – https://www.tiktok.com/@mommynegosyo

#MommyNegosyo #businesstips #PinoyBusinessMentor #businesshacks #StartABusiness #NegosyongPinoy

Turn your dreams into reality with the FREE Business Breakthrough Starter Kit—available now at mommynegosyo.com!

In this episode, we break down the different types of loans available at Security Bank for business owners. We explain the differences between permanent capital and working capital — and why knowing which one you need can make or break your application. We also talk about what to do when your loan gets rejected. Instead of seeing it as a dead end, it might be a signal to reassess your strategy, credit standing, or financial documents. Understanding what banks look for can help you take the right next step. Join us to learn how to better prepare for a business loan, what to do when things don’t go your way, and how to choose the right kind of capital for your needs. Tune in now!

Highlights of the episode:

- Types of business loans in Security Bank: Learn about the loan options you can apply for as a business owner and how each one works.

- Choosing between permanent capital and working capital: We explain the main difference so you’ll know what’s best for your business goals.

- Why your loan might get rejected: Find out the common reasons banks say no and what you can do about it.

- What to do after a loan rejection: Don't panic. There are ways to recover and try again with better results.

Who is Mommy Negosyo?

Myrna “Mommy Negosyo” Tam-Natividad is the first-ever Female Entrepreneur of the Year Awardee of the Department of Trade and Industry in Zamboanga City for 2017 and the prime developer of Grow Your Business, Pinoy! Roadmap® (GYBP! Roadmap®). She was also chosen as one of the 100 Most Influential Filipinas in 2018 by the Global Association of Women called Filipina Women's Network based in the US.

Empowering 10,000 Pinays like you to become successful business builders!

Connect with Mommy Negosyo:

Instagram – https://instagram.com/MommyNegosyo

Facebook – https://www.facebook.com/YourMommyNegosyo/

Purpose Driven Business Builder Facebook Group – https://www.facebook.com/groups/purposedrivenbusinessbuilders

Grow Your Business Pinoy Facebook Group – https://www.facebook.com/groups/GYBPMovement

YouTube – https://www.youtube.com/c/MommyNegosyo

TikTok – https://www.tiktok.com/@mommynegosyo

#MommyNegosyo #businesstips #PinoyBusinessMentor #businesshacks #StartABusiness #NegosyongPinoy

Turn your dreams into reality with the FREE Business Breakthrough Starter Kit—available now at mommynegosyo.com!

In this episode, we talk about why your background matters and how banks check more than just numbers. A clear plan for where and how the loan will be used is also key, and it can make or break your approval. We also highlight the importance of building and keeping a strong credit history. It’s one of the ways banks decide if they can trust you. Staying on top of this shows you're serious and responsible when it comes to money and business growth. Join us to learn what you need to prepare before applying for a business loan and how to increase your chances of getting approved. Tune in now!

Highlights of the episode:

- Why banks check your background: Lenders want to know who they’re working with. Your personal and business history helps them decide if they can trust you with a loan.

- Importance of having a clear plan: When you apply for a loan, banks want to see where the money will go. A clear plan shows you’re ready and serious.

- How credit history affects your chances: Banks look at your credit record to see how well you handle money. A good credit history builds trust.

- What to avoid before applying for a loan: Big mistakes or unclear financial records can raise red flags. It’s important to keep things clean and simple.

Who is Mommy Negosyo?

Myrna “Mommy Negosyo” Tam-Natividad is the first-ever Female Entrepreneur of the Year Awardee of the Department of Trade and Industry in Zamboanga City for 2017 and the prime developer of Grow Your Business, Pinoy! Roadmap® (GYBP! Roadmap®). She was also chosen as one of the 100 Most Influential Filipinas in 2018 by the Global Association of Women called Filipina Women's Network based in the US.

Empowering 10,000 Pinays like you to become successful business builders!

Connect with Mommy Negosyo:

Instagram – https://instagram.com/MommyNegosyo

Facebook – https://www.facebook.com/YourMommyNegosyo/

Purpose Driven Business Builder Facebook Group – https://www.facebook.com/groups/purposedrivenbusinessbuilders

Grow Your Business Pinoy Facebook Group – https://www.facebook.com/groups/GYBPMovement

YouTube – https://www.youtube.com/c/MommyNegosyo

TikTok – https://www.tiktok.com/@mommynegosyo

#MommyNegosyo #businesstips #PinoyBusinessMentor #businesshacks #StartABusiness #NegosyongPinoy

Turn your dreams into reality with the FREE Business Breakthrough Starter Kit—available now at mommynegosyo.com!

In this episode, we talk about why it's important to keep your personal and business finances separate, and how doing this can help you stay clear and confident in your financial decisions. We also explain why banks ask for documents like bank statements when you apply for a loan. It’s not just paperwork—it’s a way to show how your business is doing. And if you ever feel unsure, talking to a loan officer can really help. They’re there to give advice and help you understand what steps to take. Join us to learn how small changes in your money habits can make a big difference in your business growth and future opportunities. Tune in now!

Highlights of the episode:

- Separate business and personal money: Keeping your business money in a different account from your personal money helps you stay organized and avoid confusion.

- Why bank statements matter: Banks look at your statements to understand how your business is doing and to confirm your income when you apply for a loan.

- Build trust with your bank: When your business records are clean and clear, it’s easier for banks to trust you and support your plans.

- Talk to a loan officer: It’s okay to ask questions. Loan officers can give helpful advice and guide you through what’s needed.

Who is Mommy Negosyo?

Myrna “Mommy Negosyo” Tam-Natividad is the first-ever Female Entrepreneur of the Year Awardee of the Department of Trade and Industry in Zamboanga City for 2017 and the prime developer of Grow Your Business, Pinoy! Roadmap® (GYBP! Roadmap®). She was also chosen as one of the 100 Most Influential Filipinas in 2018 by the Global Association of Women called Filipina Women's Network based in the US.

Empowering 10,000 Pinays like you to become successful business builders!

Connect with Mommy Negosyo:

Instagram – https://instagram.com/MommyNegosyo

Facebook – https://www.facebook.com/YourMommyNegosyo/

Purpose Driven Business Builder Facebook Group – https://www.facebook.com/groups/purposedrivenbusinessbuilders

Grow Your Business Pinoy Facebook Group – https://www.facebook.com/groups/GYBPMovement

YouTube – https://www.youtube.com/c/MommyNegosyo

TikTok – https://www.tiktok.com/@mommynegosyo

#MommyNegosyo #businesstips #PinoyBusinessMentor #businesshacks #StartABusiness #NegosyongPinoy

Turn your dreams into reality with the FREE Business Breakthrough Starter Kit—available now at mommynegosyo.com!

In this episode, we talk about the first thing every business owner should do before borrowing — and why understanding your true need for the loan matters more than the loan itself. We also highlight one of the most important requirements banks will ask from you: your bank statements. It’s not just paperwork — it’s how banks see if your business can handle the loan. Your cash flow tells the story, and the bank wants to hear a clear one. Join us to learn how to prepare smartly, avoid common mistakes, and make your loan application process smoother and more successful. Tune in now!

Highlights of the episode:

- Knowing your real reason for borrowing: Before applying for a loan, it's important to be clear about why you need it. The loan should be tied to a specific business need.

- The first step before going to the bank: You need to reflect on your purpose and plans. This helps you avoid borrowing just because you can, and keeps your finances in check.

- Why banks ask for your bank statements: Banks don’t just look at your income. They want to see how your business handles money day-to-day, and your bank statements show that.

- What cash flow really means to the bank: It’s not just about how much you make. It’s about how money moves in and out of your business and if it can support a loan.

Who is Mommy Negosyo?

Myrna “Mommy Negosyo” Tam-Natividad is the first-ever Female Entrepreneur of the Year Awardee of the Department of Trade and Industry in Zamboanga City for 2017 and the prime developer of Grow Your Business, Pinoy! Roadmap® (GYBP! Roadmap®). She was also chosen as one of the 100 Most Influential Filipinas in 2018 by the Global Association of Women called Filipina Women's Network based in the US.

Empowering 10,000 Pinays like you to become successful business builders!

Connect with Mommy Negosyo:

Instagram – https://instagram.com/MommyNegosyo

Facebook – https://www.facebook.com/YourMommyNegosyo/

Purpose Driven Business Builder Facebook Group – https://www.facebook.com/groups/purposedrivenbusinessbuilders

Grow Your Business Pinoy Facebook Group – https://www.facebook.com/groups/GYBPMovement

YouTube – https://www.youtube.com/c/MommyNegosyo

TikTok – https://www.tiktok.com/@mommynegosyo

#MommyNegosyo #businesstips #PinoyBusinessMentor #businesshacks #StartABusiness #NegosyongPinoy

Turn your dreams into reality with the FREE Business Breakthrough Starter Kit—available now at mommynegosyo.com!

In this episode, we dive into one of the biggest challenges business owners face—access to funds. We talk about how financial gaps affect growth, operations, and even personal plans. Money is often a quiet problem, and it’s time we talk about it out loud. We also explore how Security Bank is trying to help change this. Their mission is to make financing more accessible for small and medium businesses. Whether it’s for buying a house, a car, or expanding your company, they focus on supporting people with real goals. Join us to understand how better access to money can unlock real change—for your life and your business. Tune in now!

Highlights of the episode:

- Business owners struggle with money: Many business owners deal with money problems, no matter how big or successful they are. This affects how they run their business and make decisions.

- How banks can help: Banks are not just for saving. They play a big role in helping people and businesses move forward by offering the right kind of support.

- What Security Bank stands for: Security Bank focuses on helping small and medium businesses by making financing more available and easier to understand.

- Why financial support matters: Without the right support, it’s hard for people to grow their business or reach their personal goals. Money is a big part of that journey.

Who is Mommy Negosyo?

Myrna “Mommy Negosyo” Tam-Natividad is the first-ever Female Entrepreneur of the Year Awardee of the Department of Trade and Industry in Zamboanga City for 2017 and the prime developer of Grow Your Business, Pinoy! Roadmap® (GYBP! Roadmap®). She was also chosen as one of the 100 Most Influential Filipinas in 2018 by the Global Association of Women called Filipina Women's Network based in the US.

Empowering 10,000 Pinays like you to become successful business builders!

Connect with Mommy Negosyo:

Instagram – https://instagram.com/MommyNegosyo

Facebook – https://www.facebook.com/YourMommyNegosyo/

Purpose Driven Business Builder Facebook Group – https://www.facebook.com/groups/purposedrivenbusinessbuilders

Grow Your Business Pinoy Facebook Group – https://www.facebook.com/groups/GYBPMovement

YouTube – https://www.youtube.com/c/MommyNegosyo

TikTok – https://www.tiktok.com/@mommynegosyo

#MommyNegosyo #businesstips #PinoyBusinessMentor #businesshacks #StartABusiness #NegosyongPinoy

Turn your dreams into reality with the FREE Business Breakthrough Starter Kit—available now at mommynegosyo.com!

In this episode, we talk about how to make your business stand out by building real trust and showing up with the right message. It’s not just about getting attention—it’s about becoming someone people choose. We also talk about dealing with bashers. They will always be there, but the ones who support you matter more. When you focus on helping and educating your audience, you build stronger connections. What you know can be turned into content that lasts and speaks to the right people. Join us to learn how to grow your presence, handle the noise, and turn your voice into value that others trust. Tune in now!

Highlights of the episode:

- Go beyond just selling: It’s not only about products or services. It’s about helping people understand, learn, and choose you for the right reasons.

- Bashers will always be there: Some people will try to pull you down, but that doesn’t mean you stop. What matters more are the people who support you.

- Focus on your real supporters: Your energy is better spent on those who believe in you. They help your business grow by sharing, trusting, and staying loyal.

- Turn knowledge into content: What you know can help others. Teaching and sharing that knowledge builds connection and trust.

Who is Mommy Negosyo?

Myrna “Mommy Negosyo” Tam-Natividad is the first-ever Female Entrepreneur of the Year Awardee of the Department of Trade and Industry in Zamboanga City for 2017 and the prime developer of Grow Your Business, Pinoy! Roadmap® (GYBP! Roadmap®). She was also chosen as one of the 100 Most Influential Filipinas in 2018 by the Global Association of Women called Filipina Women's Network based in the US.

Empowering 10,000 Pinays like you to become successful business builders!

Connect with Mommy Negosyo:

Instagram – https://instagram.com/MommyNegosyo

Facebook – https://www.facebook.com/YourMommyNegosyo/

Purpose Driven Business Builder Facebook Group – https://www.facebook.com/groups/purposedrivenbusinessbuilders

Grow Your Business Pinoy Facebook Group – https://www.facebook.com/groups/GYBPMovement

YouTube – https://www.youtube.com/c/MommyNegosyo

TikTok – https://www.tiktok.com/@mommynegosyo

#MommyNegosyo #businesstips #PinoyBusinessMentor #businesshacks #StartABusiness #NegosyongPinoy