In the many depressed areas of Metro Manila, the poor encounter a problem present in many other developing countries: the inability to access normal credit systems run by classic banks. Reason: the poor cannot provide sufficient collateral or guarantees. It was the need to address this problem that brought about the creation of the loans and savings services of UPLIFT.

To help the urban poor start, augment, or sustain their businesses, UPLIFT offers two financial services that serve as entry point of its beneficiaries to the organization. An UPLIFT Partner becomes one by being either a Partner-Loaner or a Partner-Saver.

Loans provided to poor people who may otherwise have no access to financial credit. These loans help them start, augment, or sustain a small business.

Savings not only gives a partner financial security, but also helps them manage their resources while teaching them the importance of preparing for future needs.