When typhoons, earthquakes, floods, or other disasters strike, the effects can be overwhelming. Homes are damaged, crops are lost, equipment breaks down, and businesses struggle to keep going. For many Filipinos, access to fast and affordable financial support can make the difference between starting again or losing everything.
To support recovery, the LandBank of the Philippines introduced LANDBANK CARES Plus (Community Assistance and Reintegration Support Plus). This special lending program provides financial assistance to individuals, cooperatives, businesses, and even electric utilities that have been affected by calamities. It aims to help communities rebuild, restore services, and return to normal operations as quickly as possible.
What is LANDBANK CARES Plus?
LANDBANK CARES Plus is a disaster recovery loan program. It is designed to help those affected by natural or man-made disasters get back on their feet. The program provides funds that can be used for working capital needs, repairs, or rebuilding damaged property and equipment.
The main goal of the program is simple:
To support affected individuals and organizations so they can recover faster.
Who Can Apply?
The program is open to a wide range of sectors. Those who may access the loan include:
- Farmers and fisherfolk
- Micro, small, and medium enterprises (MSMEs)
- Cooperatives and associations
- Large corporations
- Electric distribution utilities
- Government employees (through related salary loan programs)
This wide coverage ensures that the recovery effort benefits not only businesses but also local communities, families, and essential services.
What Can the Loan Be Used For?
LANDBANK CARES Plus supports various recovery needs. Borrowers may use the funds for:
- Working Capital
This may include:
- Payroll
- Inventory
- Daily operating expenses
- Fuel and supplies
- Capital Expenditures
These include:
- Equipment purchase
- Vehicles
- Tools
- Other business assets
- Repair, Rebuild, Replace
The loan may be used for:
- Repairing buildings or facilities
- Replacing damaged equipment
- Rebuilding destroyed structures
- For Electric Utilities
Electric utilities may use the loan for short-term working capital to manage:
- Increased power generation costs
- Increased distribution costs
This is important because electricity access is essential to community recovery.
Additional Support Programs Linked to CARES Plus
LANDBANK also offers complementary programs that support individuals in emergencies:
- Electronic Salary Loan (eSL)
This is available to government employees and workers in companies with LANDBANK payroll accounts. It allows quick access to funds during emergencies.
Borrowers may apply through:
- LANDBANK Website
- LANDBANK iAccess
- LANDBANK Mobile Banking App
Loan proceeds are credited directly to the borrower’s account. Existing eSL borrowers with good payment history may also renew their loans quickly.
- EasyCash for Emergencies
This is for LANDBANK credit cardholders. It allows cardholders to convert part of their credit limit into cash for urgent needs. Repayment can be stretched up to 36 months.
Eligible cardholders will receive SMS and email notifications. They may also request the conversion through LANDBANK Customer Care.
Why LANDBANK CARES Plus Matters
- Supports Faster Recovery
Time is important after a disaster. The program helps affected individuals and organizations restart operations without long delays. - Helps Protect Livelihoods
MSMEs, farmers, and fisherfolk are often among the most vulnerable groups after a calamity. The program gives them a way to rebuild and continue earning. - Keeps Essential Services Running
Electric utilities can also be supported. This helps ensure that communities maintain access to electricity while recovering. - Nationwide Reach
As a state-owned development bank, LANDBANK ensures that the assistance is available across all regions.
How to Apply
Applications can be made through your nearest LANDBANK lending center or branch. Borrowers will be asked to present their identification, business documents (if applicable), and proof of disaster impact. Requirements may vary depending on the borrower type.
It is recommended to contact the branch beforehand to confirm needed documents.
You may also contact LANDBANK through:
- Customer Care Hotline: (02) 8-405-7000
- Toll-Free Number (Domestic): 1-800-10-405-7000
Key Benefits at a Glance
| Feature | Description |
| Who it helps | Farmers, MSMEs, cooperatives, corporations, utilities, employees |
| Purpose | Recovery and rebuilding after disasters |
| Uses | Working capital, repairs, equipment, construction |
| Flexibility | Loan amounts based on need and capacity |
| Convenience | Online salary loan renewal and credit card cash conversion options |
Final Thoughts
Disasters create challenges that may feel impossible to face alone. But with the right support, rebuilding becomes possible. LANDBANK CARES Plus provides not only financial help, but also hope and stability for families, businesses, and entire communities working to recover.
If you or your community has been affected by a recent disaster, consider exploring this financial assistance. The program is designed to help you restart, rebuild, and move forward toward a stronger and more secure future.