Won the Project but Need Funds to Start? Here's How Contractors Can Keep Projects Moving with PayNow

 

 Goldwater Capital explains how PayNow helps contractors bridge cash flow gaps and fund projects while waiting for client payments.

For many contractors and project-based businesses, winning a project is a major milestone. But for some, it's also where the real challenge begins.

The contract is signed. The opportunity is secured.

But before any payment comes in, the work needs to start. Materials must be purchased. Workers need to be mobilized. 

Equipment has to be secured.

And all of this requires cash. Right now.

Winning the project is only the beginning—working capital keeps it moving

This is a challenge faced by thousands of Filipino contractors, suppliers, and service providers every day.

The Problem Isn't Sales. It's Timing and Starting the Project

Many business owners assume that cash flow problems only happen when a company lacks customers.

In reality, even businesses with confirmed projects can struggle.

Imagine this.

A contractor successfully wins a new project worth several hundred thousand pesos. The client is reputable and payment is guaranteed.

The catch?

Payment will only be released after project milestones are completed or even 60 days later.

Before any billing can happen, the contractor must first:

- Purchase materials

- Mobilize manpower

- Pay suppliers

- Cover operational expenses

Nandiyan na ang proyekto. Sigurado na ang kita.

Pero kailangan mo munang gumastos bago ka makapagsimula at kumita

When One Project Delays the Next

For many contractors, delayed collections don't just affect one project.

They can affect future opportunities as well.

Without available working capital, business owners may find themselves:

- Delaying material purchases

- Turning down new projects

- Missing supplier discounts

- Stretching payroll budgets

- Taking on unnecessary financial stress

Instead of focusing on delivering quality work, they end up worrying about how to bridge the gap between expenses today and payments tomorrow.

Turning Project Opportunities Into Action

This is where PayNow by Goldwater Capital can help.

PayNow is designed for businesses that have secured projects but need access to funds to get started.

Instead of waiting for milestone payments or delayed collections, qualified businesses can access working capital to support project mobilization and execution.

Whether it's purchasing materials, paying suppliers, mobilizing workers, or covering operational costs, having access to funding allows contractors to move forward with confidence.

Helping Businesses Say Yes to More Opportunities

Every contractor knows that opportunities don't wait.

When a new project becomes available, clients expect immediate action.

The ability to mobilize quickly often determines whether a business wins future contracts and strengthens long-term client relationships.

Kapag may access sa working capital, mas madaling tanggapin ang bagong opportunities without worrying about short-term cash flow gaps.

Instead of waiting for collections before moving forward, businesses can focus on growth, delivery, and customer satisfaction.

A Financing Partner for Project-Based Businesses

At Goldwater Capital, we understand that contractors, suppliers, and project-based businesses operate on timelines that don't always match payment schedules.

Through PayNow, our goal is to help qualified businesses unlock working capital from their receivables so they can continue operating, fulfill commitments, and pursue new opportunities with confidence.

Because sometimes, business growth isn't about finding more projects.

It's about having the resources to keep moving while waiting to get paid.

About PayNow

PayNow is a receivables financing solution by Goldwater Capital that helps qualified businesses access working capital based on outstanding receivables. Designed for contractors, suppliers, and SMEs, PayNow enables businesses to bridge cash flow gaps, fund operations, and continue growing without waiting for lengthy payment cycles. Based on PayNow's program, qualified SMEs can convert what clients owe them into funds they can use today, with fast approval and no hard collateral required.

About Goldwater Capital Inc

Goldwater Capital is a Philippine financing company committed to helping individuals and businesses bridge the financial gap between ambition and achievement. Through fast, fair, and technology-driven financing solutions—including business funding, salary advances, and education financing—we empower Filipinos to pursue opportunities, manage cash flow, and achieve sustainable growth.

6200 Book fest concludes inaugural three-day celebration

  

The inaugural 6200 BookFest concluded its three-day run last July 19, bringing together publishers, authors, booksellers, readers, and creatives in Dumaguete City. 

Filled with book launches, literary discussions, workshops, performances, and publishing initiatives, the festival was held from July 17 to 19 primarily at Filinvest Malls Dumaguete.

Organized by the Arts and Design Collective Dumaguete (ADCD) and the Duma LitFest team in partnership with the Dumaguete City Government, the National Book Development Board (NBDB), and Futura Shores by Filinvest Land, the festival carried the theme "Across the Shores" and served as a host event for the NBDB's Philippine Book Festival in the Regions initiative. It is also the first regional book fair of its kind in the Negros Island Region.

The festival featured a marketplace of national and independent publishers and literary organizations, including Vibal Group, 8Letters Bookstore and Publishing, Anvil Publishing, Haring Ibon, Everything's Fine, Aklat Alamid, Sto. Niño de Cebu Publishing House, Central Books, Johnny and Hansel Publications, ABC Children's Books, DumAlt Press, Sands and Coral, Libraria, Romanceclass, Utopia, and Happy Unicorn. Authors Kate D. Pirate and Joanna Villamor also participated in the festival's programming and marketplace.

Programming included book presentations and launches, focused group discussions, film screenings, musical performances, workshops, and keynote sessions.

The first day opened with a series of book presentations and launches featuring Geraldine Solon's “Talk Smarter Live Better” series, Angela Fabunan Flores' “Migratory Notes,” the 2026 edition of the Sands and Coral literary anthology titled “Maps,” Anna Del Prado's “The Happy Unicorn,” and Koren Fontelo's “Tiny Hands, Growing Faith.”

On day two, the NBDB convened a focused group discussion attended by publishers, authors, booksellers, and creatives to discuss registration policies, publishing grants, and the role of Dumaguete as a UNESCO Creative City of Literature in the Philippine literary value chain. 

The day's program also included a screening of Lilas in partnership with UNESCO Creative Cities Network member Quezon City of Film, alongside book presentations by Central Books authors Dr. Noel Marjon E. Yasi, Dr. Armando A. Alviola, Atty. Marcelino C. Maxino, and Atty. Mikhail Lee L. Maxino. 

Moreover, independent publisher Anvil Publishing presented Ian Rosales Casocot's “The Last Days of Magic,” while DumAlt Press introduced its upcoming book of Dr. Justin Bulado during the afternoon program.

The festival's final day featured Andrea Panaligan's Zine Makeshop, a musical performance by Kate Torralba, the NBDB Primer on Registration, book presentations by Kate D. Pirate Books and Everything's Fine, a launch of the latest issue of Duma’s local food zine, Kaon-Kaon, and the launch of “Rosa Redux: Women from Southeast Asia,” edited by Katrina Stuart Santiago. 

Historian and author Ambeth Ocampo delivered the festival's closing keynote address before the official closing program, Panamilit: A Festival Closer.

Meanwhile, “BookFest: The Post-Script” events held on July 20 extended the festival's programming beyond its official dates. 

Ocampo led a meet-and-greet and booksigning session at LibrAria and delivered a guest lecture at Silliman University. The festival also hosted Pamahaw, a book signing event paired with a traditional Dumaguete breakfast at The Sala. 

The inauguration of 6200 BookFest marked Dumaguete City's first book festival following its designation as the Philippines' first UNESCO Creative City of Literature. 

Through partnerships between local and national literary organizations, the festival provided a platform for discussions on literature, publishing, and the role of creative communities in regional cultural development.

About Backpack Solutions, Inc.

Backpack Solutions supports ADCD and the Duma LitFest team as its marketing and content media partner. Backpack believes in 'content for good, of good'

www.backpack.solutions

Business Is Good, So Why Does Cash Still Feel Tight?

Goldwater Capital shares how PayNow helps SMEs access funds tied up in receivables to keep operations moving and support business growth.

Many business owners experience a frustrating situation.

Sales are coming in. Clients are placing orders. Projects are being completed.

On paper, the business is doing well.

But when it's time to pay suppliers, cover payroll, or purchase inventory, cash suddenly feels tight.

If this sounds familiar, you're not alone.

For many SMEs, the challenge isn't a lack of revenue, it's the wait between delivering the work and actually receiving payment.

A Familiar Situation for Many Business Owners

Many business owners run growing trading businesses that supply products to several corporate clients.

Business is steady. Orders come in regularly. Her clients are reliable and eventually pay on time.

The problem is that "eventually" can mean 30, 60, or even 90 days.

While waiting for payments to be released, the business still has expenses to manage.

She needs to replenish inventory, pay suppliers, cover operating costs, and prepare for incoming orders.

"Nabenta na namin. Na-deliver na namin. Pero hinihintay pa rin namin yung bayad."

It's a situation many business owners know all too well.

Revenue Doesn't Always Mean Available Cash

One of the biggest misconceptions in business is that strong sales automatically mean strong cash flow.

In reality, a company can have millions in receivables and still experience cash shortages.

This happens when:

- Clients pay on long payment terms

- Invoices are still being processed

- Collections are delayed

- New orders require upfront funding

- Operations continue while waiting for payments

Hindi naman lugi ang negosyo.

The money is already there– it's simply tied up in receivables.

When Waiting for Payments Slows Growth

For many growing businesses, waiting for collections can create a ripple effect throughout the company.

Without enough working capital, businesses may have to:

- Delay inventory purchases

- Postpone expansion plans

- Turn down potential opportunities

- Stretch operational budgets

- Slow down growth initiatives

Instead of focusing on serving customers and growing the business, owners spend valuable time worrying about cash flow.

Unlocking Cash From Existing Receivables

This is where receivables financing can make a difference.

Instead of waiting weeks or months for customers to settle invoices, qualified businesses can access working capital based on their receivables.

This allows companies to put their earned revenue to work sooner.

Whether it's funding inventory, paying suppliers, managing payroll, or supporting new projects, access to working capital helps businesses stay productive and competitive.

Helping Businesses Move Forward

Every business owner knows that opportunities don't wait.

A new client, a larger order, or an expansion opportunity can appear at any time.

Having access to working capital means businesses can respond faster and make decisions based on opportunity and not cash flow limitations.

For many business owners, it's not about borrowing because the business is struggling.

It's about accessing funds that are already on their way and using them now instead of waiting weeks or months for payment.

Kapag may available working capital, businesses can take on new opportunities, fulfill bigger orders, and keep operations running smoothly without putting growth on hold.

About PayNow

PayNow by Goldwater Capital is a receivables financing solution designed to help qualified businesses unlock working capital from outstanding invoices and receivables. By providing faster access to funds tied up in pending customer payments, PayNow helps SMEs manage cash flow, support operations, and pursue growth opportunities with greater confidence.

Because sometimes, the money your business needs is already earned. You just shouldn't have to wait months to use it.

About Goldwater Capital Inc

Goldwater Capital is a Philippine financing company committed to helping individuals and businesses bridge the financial gap between ambition and achievement. Through fast, fair, and technology-driven financing solutions—including business funding, salary advances, and education financing—we empower Filipinos to pursue opportunities, manage cash flow, and achieve sustainable growth.

One App, Every Money Move: Inside the KasKasan Buddies App’s All-in-One Toolkit

KasKasan Buddies (KKB), the Philippines’ #1 personal finance community with over 2 million members across platforms, is spotlighting its free mobile app as a single home base for the tools Filipinos already juggle to manage a credit card life — comparing cards, catching bank promos, tracking bills, splitting expenses with friends, and building real financial literacy.

Most tools on the market do one job at a time. A bill-splitting app only splits bills. A budgeting app only tracks spending. A coupon site only lists promos. A comparison site only ranks cards. The KasKasan Buddies app was built specifically around Philippine banks and Filipino spending habits, bringing all of it into one connected home screen — instead of four different apps.

EIGHT TOOLS, ONE HOME SCREEN

•  Cards — a virtual card holder that lets members compare credit cards across banks like UnionBank, BPI, RCBC, Metrobank, and HSBC, track benefits like fee waivers and lounge access, and unlock NAFFL (No Annual Fee For Life) promos — all without entering a real card number, CVV, or PIN.

•  HYSA Comparison — a side-by-side view of High-Yield Savings Account offerings from participating Philippine banks and digital banks, covering interest rates, minimum balance requirements, withdrawal limits, and other key terms — so members can see where their idle money actually grows fastest before opening an account.

•  Deals & Promos Near Me — a home feed organized into Dining, Cashback, Travel, and more, plus a live map view that surfaces nearby deals based on the member’s location in real time.

•  Guides — step-by-step walkthroughs for landing welcome offers, waived annual fees, and airport lounge access, alongside broader travel tipid (money-saving) tips.

•  Fin Lit 101 — a built-in financial literacy library of bite-sized lessons on budgeting, credit card basics, and card safety, designed to be read in a few minutes.

•  KKBudget — a budget tracker built for Filipino spending categories, with savings goals and recurring transactions — built entirely on entries members log themselves, with no bank account connection required.

•  KKBills — a due-date dashboard for every credit card and subscription, with live countdowns to help members avoid late fees.

•  KKBayad — a bill-splitting tool for barkada trips, households, and recurring hangouts, so groups can track shared expenses and settle up without doing the math themselves.

BUILT AROUND PRIVACY AND INDEPENDENCE

KKB emphasized that the app is designed so members never have to hand over sensitive financial details just to use it. Saving a card to a profile only marks it as “owned” from KKB’s card catalog — no card number, CVV, expiry date, or PIN required — and KKBudget runs entirely on entries members log themselves. The app processes personal data in accordance with the Data Privacy Act of 2012 (Republic Act 10173).

KKB also noted that while it partners with select banks — including UnionBank, Metrobank, and HSBC — for exclusive promos and streamlined applications, non-partner cards remain fully visible for comparison, and any partner placement is clearly labeled so members can still make an independent choice.

FREE TO EVERY KKBUDDY

Downloading the app and using its core features — deal discovery, HYSA Comparison, KKBudget, KKBills, KKBayad, Guides, and Fin Lit 101 — is free for every user. Like most comparison and deals platforms, KKB said this never changes the price, terms, or approval odds a member gets, and in many cases unlocks an exclusive welcome offer not available through a bank’s standard channel.

For every Buddy who currently jumps between a bank app, a coupon site, a spreadsheet, and a group chat just to spend smarter, KKB’s message is simple: it can all live in one place.

Download the KasKasan Buddies App for free on the Apple App Store or Google Play Store to get started.

KasKas Wisely, KKBuddies.

About KasKasan Buddies Ventures Corporation

KasKasan Buddies (KKB) is the Philippines' #1 finance community and app, empowering Filipinos to “KasKas Wisely” through accessible financial literacy, budgeting tools, and exclusive credit card deals. With over 2 million community members and 520,000+ app users, KKB partners with major banks and government agencies to make personal finance a healthy, open conversation for every Filipino.

P.A. Properties Hankyu Hanshin welcomes first homeowners at Idesia San Jose del Monte, marking its debut in North Luzon

  

P.A. Properties Hankyu Hanshin, the joint venture between P.A. Alvarez Properties and Development Corporation (P.A. Properties) and Hankyu Hanshin Properties Corporation, officially welcomed the first homeowners of Idesia San Jose del Monte during its Homeowners Turnover Ceremony.

The milestone signifies not only the beginning of homeownership for the project's pioneering families but also another achievement in the ninth year of partnership between P.A. Properties and Hankyu Hanshin Properties Corporation. It likewise marks the joint venture's first Idesia development in North Luzon.

Executives from P.A. Properties, representatives of Hankyu Hanshin Properties Corporation, local government officials, project partners, officers, employees, and the new homeowners attended the ceremony.

In her opening remarks, Asa Toda, Vice President of Hankyu Hanshin Properties Corp. Philippines, underscored the significance of the project as the partnership's first venture in Bulacan.

"We are honored to be part of this growing province and to help build a community where people can enjoy a better quality of life," she said.

Welcoming the homeowners, Lawrenz Joseph Z. Alvarez, Director of P.A. Properties, described the turnover as more than the ceremonial handover of houses.

He said Idesia San Jose del Monte represents the arrival of the Idesia brand in Bulacan and reflects the joint venture's commitment to building thoughtfully planned communities where families can grow, neighbors become friends, and dreams flourish.

Following the ceremonial program, the homeowners were escorted to their respective units for the official turnover. Each family stepped inside their new home for the first time before receiving a house blessing, marking the beginning of their homeownership journey.

For many of the new homeowners, the occasion was an emotional and exciting milestone.

"We're so excited to move into our new home. We hope we'll have a wonderful life here," shared Idesia homeowner Mark.

Rising city, growing opportunities

Homeowners at Idesia San Jose del Monte will enjoy not only a master-planned community but also the long-term value of investing in one of Bulacan's fastest-growing cities.

As the largest city in the province, San Jose del Monte continues to emerge as a key growth center, driven by expanding residential, commercial, and industrial developments. Its strategic location near Metro Manila has attracted significant private investments, creating more opportunities for residents and businesses alike.

Accessibility is also expected to improve with the completion of the MRT-7, which is projected to extend rail connectivity to San Jose del Monte by 2027 or 2028, significantly reducing travel time to Metro Manila.

Meanwhile, the development of the New Manila International Airport in Bulacan is expected to generate more than one million jobs and further accelerate economic growth across the province.

In her closing remarks, Atty. Marianne Reyna Lina-Cruz, President and CEO of P.A. Properties and P.A. Properties Hankyu Hanshin, highlighted the long-term value of investing in an Idesia home, citing her own experience as a homeowner in Idesia Dasmariñas.

"It was our second home, and truly, we have already reaped the benefits of our investment. We've seen how its value has appreciated because of how beautiful the project is," she shared.

As the first homeowners begin creating memories in their new homes, the successful turnover of Idesia San Jose del Monte marks another milestone in the enduring partnership between P.A. Properties and Hankyu Hanshin Properties Corporation. More than simply turning over houses, the event welcomed the pioneering residents of a thriving community. It reaffirmed the partners' shared commitment to building quality homes where Filipino families can build brighter futures.

About P.A. Alvarez Properties and Development Corporation

Nestled in San Pedro, Laguna, P.A. Alvarez Properties and Development Corporation (P.A. Properties) is a leading developer of low to medium-cost housing communities in Southern Luzon. Since its establishment in 1994, the company has crafted over 30,000 homes across key Philippine provinces, with plans to build an additional 20 communities in the next 5 years. P.A. Properties, guided by the tagline "Behind Every Home is a Story," not only addresses the nation's housing backlog but also actively contributes to economic growth. Through philanthropic initiatives, such as hospital donations in Cabuyao, providing right of way in Pampanga for civic centers, and establishing SanJo's markets in provinces like Laguna and Bulacan, the company weaves a narrative of community development and nationwide impact.

Seven Partners, One Platform. Keepital's Startup Pavilion at WOCEE 2026

 

Keepital Philippines brings together six of the country's most promising startups, and a powerhouse IP institution, for a dedicated showcase at the World of Consumer Electronics Expo this August. The World of Consumer Electronics Expo (WOCEE) has long been the Philippines' most significant gathering of technology companies, manufacturers, and industry decision-makers. This August 5 to 8 at the SMX Convention Center Manila, it returns with more than 33,200 expected visitors, over 110 exhibitors, and 15,000 square meters of exhibit space. This year, Keepital Philippines is adding a new dimension to the expo. Under the dedicated Startup Pavilion, Keepital is bringing six carefully selected startups to the WOCEE floor and providing each one a curated platform to present their products, connect with buyers and investors, and reach the scale they deserve.

The Exhibitors

Ateneo Intellectual Property Office (AIPO)

Anchoring the pavilion is the Ateneo de Manila University's Intellectual Property Office, an institution dedicated to fostering innovation, research commercialization, and startup development within one of the Philippines' most respected academic ecosystems. (aipo.ateneo.edu)

KLARO

KLARO is a sales and inventory platform built for cooperatives and small Filipino businesses that still run on handwritten logbooks. Its AI-powered OCR engine photographs a logbook and extracts line items, quantities, and totals in under 30 seconds, feeding the results into a dashboard that gives agri-terminals and consolidation hubs real-time visibility over volumes, buyer accounts, and payment status. With partners including the Nueva Vizcaya Agricultural Terminal, Quezon City's Pangkabuhayang Program, and Ateneo BUILD already on board, KLARO represents a compelling intersection of AI capability and real-economy application. (meetklaro.com)

a11y media

Formerly known as Wika, a11y media is a Filipino startup working for the social and economic inclusion of people with disabilities, democratizing accessibility for the deaf, hard of hearing, and Filipino Sign Language (FSL) interpreters through assistive content such as sign language videos, captions, and audio descriptions. Co-founded in 2018, a11y's platform functions similarly to YouTube but exclusively for accessible content, and empowers anyone to upload their own sign language videos and captions, with 70% of FSL interpreters on the platform being women.The only Philippine startup selected out of 800 applicants across Asia for the Real Madrid Next Accelerator, a11y arrives at WOCEE with both global recognition and a mission that sits at the intersection of technology and genuine social impact. (a11y.media/wika)

Domantay Consulting 

Not every pavilion participant is a tech product company, and that is precisely the point. Founded in 2018, Domantay Consulting (DC Digital) is a holistic digital consultancy offering public relations, social media management, digital marketing, and creative multimedia production. A cross-generational team of PR, media, marketing, and fine arts professionals, DC Digital brings something every technology company eventually needs at WOCEE: the expertise to communicate what they build in a way the market can actually hear. (domantayconsulting.com) 

Vaura

Vaura enters the pavilion as an AI-powered content engine built for businesses that need to produce content at scale without sacrificing quality or brand consistency. In a market where content demand is outpacing the capacity of most in-house teams, Vaura offers a smarter production pipeline where it generates output that is faster to produce and easier to manage across channels. At WOCEE, Vaura's presence speaks directly to the exhibitors, distributors, and brand teams on the floor who are looking for more efficient ways to keep their content working as hard as their products do. (vaura.io) 

BetterClinic

BetterClinic is an AI ambient scribe built for medical practitioners: it listens during a consultation and automatically generates SOAP notes, prescriptions, medical certificates, PhilHealth claims abstracts, and ICD-10/RVS coding. No EHR, no setup, no typing required. Its transcription engine handles mixed-language speech, local medication names, and the accents and dialects Filipino patients bring into the room, and is built in full compliance with the Philippine Data Privacy Act. For a country with a large and geographically dispersed medical workforce, a tool that runs on a smartphone and requires no institutional integration is not a luxury but a practical necessity. (betterclinic.ai)

SOFI AI

SOFI AI automates customer engagement for Philippine SMEs, most of which rely on Facebook Messenger, Instagram DMs, and comment sections to drive sales. Its platform delivers 24/7 chat responses, smart sales assistance, multilingual support, and automated data collection across Facebook, Instagram, Shopify, Telegram, and more, adapting to each brand's tone and personality. A member of the NVIDIA Inception Program and a selected participant in Google for Startups, SOFI AI brings a proposition at WOCEE that is immediately relevant to the SME owners, brand managers, and distributors walking the expo floor. (sofitech.ai) 

The Startup Pavilion is a deliberate cross-section of where Philippine technology is heading. AI applied to agriculture, healthcare, customer engagement, brand communications, workforce development, and the infrastructure beneath all of it. What WOCEE provides is the kind of audience that normally takes years to reach. The pavilion compresses that timeline.

For anyone attending WOCEE this August, the Startup Pavilion is worth the detour. Come with questions. The founders will be there to answer them.

Happening from August 5–8, at the SMX Convention Center Manila. Register now at https://register.worldbexevents.com/registration and get ready to explore this show of innovation.

Learn more at wocee.ph 

About KEEP Pte Ltd.

Keepital was established in 2013 and has now grown into Southeast Asia’s Leading Industrial B2B marketplace that facilitates connections between suppliers and buyers worldwide through our online platform. They stand out with their highly competitive pricing and offer a comprehensive range of services beyond just product listings. Their advertising options are designed for affordability and simplicity, featuring a one-time payment and low renewal fees for product and service suppliers on our online portal.