Starting a business in the Philippines in 2025 isn’t just a dream — it’s a growing movement.

After years of shifting economic trends, digital acceleration, and a resilient entrepreneurial spirit among Filipinos, this year presents one of the best windows of opportunity to launch a small negosyo. Whether you’re fresh out of college, shifting careers, or looking for a scalable side hustle, there’s something for everyone in the business landscape today.

Here at MSME Philippines, we’ve worked closely with startups and SMEs across various industries — and we’re seeing the same pattern: Filipino entrepreneurs are thriving when they align their negosyo ideas with what the market actually needs today.

Let’s walk through 12 promising, low-to-medium capital negosyo ideas for 2025, backed by real insights, market demand, and action-ready advice.

Why 2025 Is a Great Year to Start a Business

2024 showed us one thing: Filipinos are more entrepreneurial than ever. According to the Philippine Statistics Authority (PSA), the number of registered MSMEs increased by over 8% in the last year, driven by both necessity and opportunity. More people are realizing that business ownership offers freedom, financial potential, and personal fulfillment.

On top of that, support for MSMEs has never been stronger. From Go Negosyo mentoring programs to DTI’s Negosyo Centers nationwide, government support and community networks are helping small business owners succeed.

Quick Fact:

A report by the Department of Trade and Industry (DTI) in late 2024 revealed that 99.5% of businesses in the Philippines are MSMEs, and they employ over 62% of the workforce.

So, where do you begin?

12 Negosyo Ideas for 2025 (With Low to Medium Capital)

Let’s break down business ideas that not only fit today’s trends but also give you room to grow.

1. Online Reselling (Niche Products)

Why it works: With e-commerce growing steadily in the Philippines, online reselling of niche products — like eco-friendly goods, health items, or K-beauty — is a solid business.

Capital needed: As low as ₱5,000 for initial inventory.

Pro Tip: Try niche platforms like TikTok Shop or build your store on Lazada or Shopee.

A small reseller from Quezon City shared that she started with ₱7,000 worth of skincare products in 2023 — and now makes over ₱25,000 monthly working part-time.

2. Cloud Kitchen or Food Delivery Brand

Why it works: People love convenience, and food delivery is still on the rise — especially niche or home-style menus.

Capital needed: ₱10,000–₱30,000 depending on equipment.

Pro Tip: Use GrabFood or FoodPanda to gain traction early.

3.Mobile Car Wash or Cleaning Services

Why it works: Urban homeowners are looking for reliable, on-demand cleaning services — and it’s easy to scale.

Capital needed: Around ₱20,000 for basic supplies and equipment.

Bonus: You can start with friends and family as initial clients.

4.Virtual Assistant or Digital Services

Why it works: More global businesses are hiring Filipino VAs, writers, designers, and social media managers.

Capital needed: Just your laptop, stable internet, and skills.

Tip: Join platforms like OnlineJobs.ph or Upwork, or build a personal brand on LinkedIn.

5.Dropshipping or Print-on-Demand Business

Why it works: You don’t hold inventory. Great for people who want to test e-commerce waters with less risk.

Capital needed: ₱5,000–₱10,000 for marketing and setup.

Tools: Use Shopify or platforms like Printful or Printify.

6.Urban Gardening Kits or Plant Delivery

Why it works: More Filipinos are adopting plantitas/plantitos lifestyles. Plus, sustainable living is trending.

Capital needed: ₱15,000 for soil, pots, and starter kits.

7.Tutoring or E-Learning Services

Why it works: Parents are investing in extra learning support for their kids. English, Math, Coding, and even AI basics are in demand.

Capital needed: Minimal — invest in good lighting, a whiteboard, and software like Zoom or Google Meet.

8.Home-based Baking or Food Business

Why it works: From birthday cakes to pasalubong treats, there’s a consistent market for quality baked goods.

Capital needed: ₱10,000–₱25,000 for ingredients and kitchen tools.

Real Talk: A baker in Cavite started with banana bread during lockdown — today, she has regular weekly orders from four subdivisions.

9.Pet Grooming or Pet Supplies Delivery

Why it works: Pet ownership is booming. People want convenience and quality care for their fur babies.

Capital needed: ₱20,000–₱30,000 to start mobile or home-based services.

10.Motorcycle Courier or Errand Services

Why it works: Micro-logistics is booming, especially in cities where traffic is a nightmare.

Capital needed: A motorcycle and fuel (or partner with a rider).

Pro Tip: Offer to do pickups for small shops or online sellers.

11.Content Creation / Vlogging (Niche Topics)

Why it works: Creators are monetizing YouTube, TikTok, and Instagram with unique content.

Capital needed: Smartphone and free editing tools.

Niche Ideas: Finance tips, street food reviews, small business journeys — especially from a local lens.

12.Eco-friendly Everyday Items

Why it works: Consumers are more eco-conscious. Think bamboo toothbrushes, reusable bags, and zero-waste kits.

Capital needed: Around ₱15,000 to source and rebrand products.

What’s Trending in 2025 for MSMEs?

Here are some trends we’re closely watching at MSME Philippines:

• AI-powered tools for small businesses (inventory, customer service, marketing)
  
• Digital payments and e-wallet integrations even for sari-sari stores
  
• Hyperlocal marketing via Facebook groups and TikTok
  
• Business formalization — more Filipinos are registering their businesses to access funding

   

And while tech is exciting, never underestimate the power of community-based selling — word of mouth, neighborhood referrals, and real relationships still drive growth.

Choosing the Right Negosyo Idea for You

There’s no “one-size-fits-all” negosyo. Before diving in, ask yourself:

• What skills do I already have?
  
• How much capital can I afford to risk?
  
• Who is my target market?
  
• Am I willing to start small and scale gradually?

   

At MSME Philippines, we always recommend starting lean and testing the waters before going all-in. It’s better to validate your idea with real customers first.

Final Thoughts

Launching a negosyo in 2025 doesn’t have to be overwhelming. In fact, the barriers to entry are lower than ever — especially with digital platforms, online resources, and an economy that’s becoming more startup-friendly each year.

Whether you’re aiming to build a side hustle, replace your day job, or eventually scale your business nationally, the key is to start with the right mindset, a solid idea, and support.

And that’s exactly what we’re here for.

MSME Philippines is more than just a business blog — it’s a growing hub for aspiring and active entrepreneurs. We’re committed to sharing real, practical, and expert-backed insights to help you start, grow, and sustain your negosyo in the Philippines.

Stay curious, keep learning — and let 2025 be your year to finally make it happen.

A few years ago, I found myself inside a small barangay in Nueva Ecija, waiting for a ride. The sun was unforgiving, and I ducked under the awning of a sari-sari store to buy a bottle of cold water. While sipping it, I noticed how busy the tindera was — chatting with neighbors, tracking change, stocking up on sachets, and managing credit notes in her notebook.

It wasn’t just a store. It was a lifeline, a place where the community came together, and a real business operated by someone with grit, patience, and a vision.

That moment stuck with me.

So if you’re here wondering whether you should start your own sari-sari store — let me say this: Yes, you can. And now’s the perfect time.

Why Sari-Sari Stores Still Matter in 2025

Despite the rise of online shopping and big-box stores, sari-sari stores continue to thrive — not just in cities, but especially in provinces and neighborhoods where convenience trumps everything.

According to the Philippine Statistics Authority, over 1.3 million sari-sari stores are operating nationwide. They represent the heart of Filipino entrepreneurship — small, resourceful, and deeply rooted in community.

In 2025, as transportation and food costs continue to rise, consumers are turning back to neighborhood options. People buy what they need in small amounts — a sachet of shampoo, a stick of coffee, a half-liter of vinegar. This makes sari-sari stores indispensable, especially to low-income families.

Is It Worth Starting One Today?

Absolutely — if you treat it like a real business, not just a side hustle.

Done right, a sari-sari store can earn ₱500 to ₱1,500 in daily net income, depending on location, product variety, and consistency.

But more than just the income, it opens up opportunities: offering additional services, expanding into wholesale, even evolving into a mini-grocery. Many successful business owners started this way — quietly, consistently, and close to home.

How Much Capital Do You Need?

Here’s a general breakdown in 2025 prices:

• Starter Store (₱3,000–₱5,000): Basic tingi items, personal-use space or table setup
• Typical Setup (₱10,000–₱15,000): Includes essentials like noodles, coffee, canned goods, e-load, and toiletries
• Expanded Store (₱20,000+): Adds freezer items, digital payments, shelving, and signage

The key is not to overspend upfront. Start small. Grow consistently. Reinvest your earnings.

Step-by-Step: How to Start a Sari-Sari Store in 2025

1. Find the Right Location

It doesn’t have to be fancy — but it must be strategic.

Ideal spots include:

• High foot traffic areas (near terminals, schools, barangay halls)
• Inside compound-style neighborhoods
• Street corners visible to pedestrians

Even a modest space can turn into a successful store with the right setup and a friendly face.

2. Legalize Your Store

Many owners skip this, but registration has real benefits — including access to business support and financial services.

Steps:

• Barangay Clearance
• DTI Business Name Registration
• BIR Certificate and Receipt Issuance

It builds credibility, especially if you plan to expand or offer services like e-load and bills payment later.

3.Stock Up Smartly

You don’t need a full grocery to start — only the top-moving essentials:

• Sachets (shampoo, coffee, laundry powder)
• Pantry basics (soy sauce, cooking oil, canned goods)
• Instant noodles and snacks
• Soft drinks, candies, vinegar, sugar
• Prepaid load or SIMs

Keep it lean and restock based on actual demand. Avoid overloading slow-moving items.

One tindera I met in Quezon started with just 20 products. Within 3 months, by listening to what her neighbors actually asked for, she doubled her daily income.

4.Design a Simple but Efficient Layout

A few layout tips:

• Display high-demand items in easy-to-reach spots
• Keep high-value goods close to you for safety
• Use handwritten price labels — it helps build transparency
• Secure your cash box and inventory overnight

Even a small space can feel organized with the right layout.

5.Source From the Right Places

Common suppliers include:

• Local groceries and palengke for tingi-sized goods
• Membership retailers (like warehouse clubs or wholesalers)
• Mobile delivery vendors that service neighborhoods

Compare prices regularly. A small difference in cost per item can make a big impact on margins over time.

Mistakes That Hold Owners Back

Let’s be real — many sari-sari stores close down. Why? Here are some common pitfalls:

• No separation between personal and business money
• Too much ‘utang’ or unpaid credit
• Not tracking daily sales and expenses
• Inconsistent store hours

Running a sari-sari store isn’t about selling everything. It’s about selling smart and staying consistent.

Tips to Boost Your Income

• Offer digital services: E-load, SIMs, and bills payment add value without extra inventory
• Bundle items: “Piso Packs” or combo snacks attract budget-conscious buyers
• Loyalty tricks: Simple gestures like giving sukli in candy or remembering your customers’ names can go a long way
• Accept QR or wallet payments: If available in your area, it helps tap into digital buyers

I met a store owner who offered “₱10 bundles” — 1 sachet of coffee, 1 small biscuit, and sugar. It was her best-seller for months.

True Story: The Power of Patience

Lito, a 38-year-old father of two in Laguna, lost his job in early 2023. With his last ₱10,000, he opened a small store in front of his home. For months, he earned just enough to get by.

But he tracked every sale with pen and paper. He adjusted his inventory monthly. And by his first anniversary, he was earning nearly ₱45,000 per month — enough to support his family and save for a freezer upgrade.

He didn’t start big. He just stayed focused.

Final Thoughts: The Store Is Just the Beginning

Starting a sari-sari store isn’t about getting rich overnight. It’s about creating something steady, meaningful, and community-driven.

It’s a business that teaches discipline, trust, and resilience — all while giving you the chance to grow at your own pace.

at MSME Philippines, we’re committed to helping you turn your small idea into something sustainable. Whether you’re a first-time tindera or a returning OFW with a dream, this platform was built for you — with stories, resources, and tools to help you thrive.

Because every tindera is an entrepreneur in the making.
And every sari-sari store is a step toward independence.

Ready to take the first step?
Explore more guides and resources — where small businesses grow smarter.

Running out of fresh clothes because you’ve been too busy to do laundry? You’re not alone.

That exact problem is the reason laundry businesses are booming across the Philippines—especially in urban areas where time, space, and convenience matter. Whether it’s young professionals in Makati, students in dorms, or busy parents juggling jobs and kids, more and more Filipinos are willing to pay for someone else to handle their laundry.

So, if you’re thinking of starting a small business in 2025, a laundry business might just be your ticket to success.

Let’s break it down together—how it works, how much you need, and how much you can actually earn.

Why a Laundry Business Makes Sense in 2025

Let’s start with the basics: why is the laundry business still worth investing in?

According to the Philippine Statistics Authority (PSA), urban households have grown by over 10% in the past five years. More families are living in condominiums and apartments—where owning a washing machine isn’t always possible. Add to that the rise of dual-income households and longer commutes, and suddenly, outsourcing laundry becomes a need, not a luxury.

In fact, a small self-service laundromat in Metro Manila can serve 30 to 50 customers daily, with each customer spending an average of ₱150 to ₱300.

We even spoke to Carla, a former OFW who opened her laundry shop in Cavite in 2022. “At first, I was scared. I had no business background,” she told us. “But after a year, I earned enough to pay off my loan and even opened a second branch.”

What Type of Laundry Business Should You Start?

Before jumping in, you’ll need to choose the right business model. Here are your options:

1. Self-Service Laundromat

Customers do their own laundry using your machines. This is great for high-foot traffic areas like near dorms or apartments.

• Pros: Low labor cost, scalable
• Cons: High upfront cost, space needed
• Startup capital: ₱1M to ₱2.5M (depending on number of machines)

2. Full-Service Laundry Shop

Your staff handles everything—from washing to folding.

• Pros: Personalized service, higher pricing
• Cons: Requires more staff
• Startup capital: ₱300K to ₱1M

3. Pickup and Delivery Laundry

No physical store required—you offer laundry services and deliver to the customer’s doorstep.

• Pros: Low overhead, flexible
• Cons: Logistics management
• Startup capital: ₱100K to ₱500K

4. Home-Based Laundry

Perfect if you’re just starting out and want to test the waters.

• Pros: Low cost, work-from-home
• Cons: Limited capacity
• Startup capital: ₱50K to ₱150K

Each model comes with its own risks and rewards. Choose the one that fits your location, capital, and lifestyle.

Step-by-Step Guide to Starting Your Laundry Business

Here’s your roadmap from idea to opening day:

Step 1: Do Your Research

Check if there’s demand in your area. Are there condos nearby? Is there another laundry shop already? Visit the area at different times of day to observe foot traffic.

Step 2: Register Your Business

Here’s a quick checklist:

• DTI or SEC registration
• Barangay and Mayor’s permit
• BIR registration
• Sanitary and fire permits

Tip: Visit the DTI Business Name Registration System to check name availability.

Step 3: Find the Right Location

Look for spaces near residential buildings, dorms, or business centers. Accessibility and visibility are key. Make sure there’s enough room for ventilation and plumbing.

Step 4: Buy the Right Equipment

You’ll need commercial washers and dryers—typically 10–15kg capacity for small shops. Don’t forget:

• Water tank
• Folding tables
• Steam iron
• Detergents and baskets

Pro tip: Consider energy-efficient machines to save on electricity in the long run.

Step 5: Hire and Train Your Staff

Teach them how to handle clothes, spot-check damage, and use equipment properly. Friendly service can turn first-timers into loyal customers.

Step 6: Market Your Business

Social media is your friend. Use Facebook and Tiktok to promote your promos, show behind-the-scenes content, or share customer feedback.

You can also:

• Offer opening discounts
• Partner with local apartment buildings
• List your shop on Google Maps

How Much Does It Cost to Start?

Here’s a rough breakdown of a full-service shop (2025 estimates):

Total: ₱500,000 to ₱700,000 (for a basic setup)

How Much Can You Earn?

Let’s say your shop handles 25 customers daily, with each spending ₱200.

That’s ₱5,000/day or ₱150,000/month in gross revenue.

After expenses like salaries, rent, water, and electricity (roughly ₱60,000), you’re left with ₱90,000 in monthly net income—not bad for a local business!

Most laundry shop owners reach their break-even point within 12–18 months, depending on foot traffic and marketing.

Franchise or Start Your Own?

If you don’t want to start from scratch, franchising is a great option. Here are some popular brands:

Franchises offer support, training, and branding—but they come with higher upfront costs. If you want full control, going independent lets you set your own rules.

Common Mistakes First-Time Owners Make

Avoid these rookie errors:

• Choosing a low-traffic location
• Buying residential machines instead of commercial ones
• Underpricing your services
• No accounting system or expense tracking
• No marketing strategy

Carla, the laundry shop owner we mentioned earlier, shared this: “I learned the hard way that cheap machines don’t last. I ended up replacing them in just six months.”

How to Stand Out from the Competition

Here’s how to make your shop the talk of the barangay:

• Offer loyalty cards – 10 washes = 1 free wash
• Use eco-friendly detergents – customers love sustainability
• Create a comfy waiting area with WiFi and AC
• Launch a subscription model for regular customers

Innovation doesn’t have to be expensive—it just has to be thoughtful.

Final Thoughts: Is This Business Right for You?

Starting a laundry business isn’t as glamorous as tech startups or food carts—but it’s reliable, essential, and profitable. It serves a real, growing need in both urban and provincial areas.

If you’re hardworking, organized, and willing to learn the ropes, this small business can bring in steady income and even expansion opportunities.

At MSME Philippines, we believe in empowering local entrepreneurs like you. Whether you’re just starting out or looking to scale, we’re here to guide you with insights, resources, and support that’s made for Pinoy business owners.

Let’s help you turn your clean idea into a clean profit.

Why Low-Investment Business Ideas Matter Now More Than Ever

Let’s face it — starting a business today looks very different from what it did even five years ago. The pandemic reshaped how we work. Layoffs, rising inflation, and the desire for more freedom pushed many people to question the traditional 9–5 path.

And now in 2025? That trend isn’t slowing down.

A recent McKinsey study found that 36% of employed people now identify as independent workers. That includes freelancers, consultants, gig workers, and side hustlers who turned their weekend projects into full-blown businesses.

But here’s the kicker: Most of them didn’t start with much money.

In fact, when I launched my own freelance writing business (which eventually grew into strategy consulting and a newsletter), all I had was a laptop, a WiFi connection, and the guts to charge ₱2,500 for a blog post. Spoiler: I charge more now.

Low-investment businesses open the door for people who want to test the waters without drowning in debt. They’re flexible, lean, and often designed to grow alongside your skills and confidence.

What Exactly Is a Low-Investment Business?

A low-investment business is one you can start with minimal upfront costs — typically under ₱30,000. It often uses skills, tools, or resources you already have.

Some of these businesses can be fully remote. Others may require you to get out in the real world — think cleaning services, tutoring, or mobile car washing.

What they all have in common is this:

• Low overhead
  
• High scalability
  
• Quick to launch

They’re perfect for side hustlers, new entrepreneurs, or anyone looking to dip their toes into business ownership without risking everything.

Is It Really Possible to Start a Business with Little Money?

Absolutely.

Here’s the thing: Many thriving businesses started with very little.

I’ve met entrepreneurs who launched home bakeries from their kitchen ovens, virtual assistants who landed global clients using just Facebook groups, and graphic designers who got their start creating birthday invites in Canva.

Closer to home, a friend in Cebu started a social media management service with a used laptop and a Canva Pro subscription. Within a year, she was booking ₱40,000+ retainers from local eCommerce clients.

Starting with less money often forces you to be more creative, scrappy, and focused — and that can actually be a huge advantage.

What to Consider Before You Dive In

Before you pick a business idea and run with it, ask yourself:

1. What are your existing skills or interests?

If you’re a graphic design geek or a social butterfly, choose something that fits your strengths. Passion helps — but so does self-awareness.

2. How much time do you have to commit?

If you’re still working full-time, pick models that don’t require you to clock in daily — like digital products, freelancing, or blogging.

3. What tools or resources do you already own?

Have a decent phone and a laptop? You’re already halfway there.

4. Can it grow with you?

The best low-investment businesses are scalable. You can start solo and eventually expand, outsource, or automate.

25+ Low-Investment Business Ideas in the Philippines for 2025

Let’s explore the most practical, profitable, and people-friendly ideas — grouped by type to help you focus.

Service-Based Businesses (Skill-First, Low Startup Costs)

1. Freelance Writing

Offer content to blogs, companies, or startups. Niching down helps — think finance, health, or marketing.

Startup cost: ₱0–₱2,500
Tools: Google Docs, Grammarly, simple website or portfolio

2. Virtual Assistant (VA)

Provide admin support, email management, customer service, or content scheduling.

Startup cost: ₱0–₱1,500
Tools: Google Workspace, Trello, Canva

3. Graphic Design

Sell logos, social media templates, or full brand kits. Start with Canva, upgrade as you go.

Startup cost: ₱500–₱1,500
Anecdote: A 19-year-old designer from Davao made ₱8,000 on her first-ever project.

4. Online Tutoring

Teach English, Math, or any skill — music, test prep, language.

Startup cost: ₱0–₱1,000
Tools: Zoom, headset, webcam

Product-Based Businesses (No Inventory Needed)

5. Dropshipping

Launch an online store using suppliers that fulfill orders for you.

Startup cost: ₱5,000–₱10,000
Tools: Website builder, domain, supplier directory

6. Print-on-Demand

Design shirts, mugs, tote bags — and a supplier prints + ships them.

Startup cost: ₱2,000–₱3,000
Tip: Use Pinoy humor or trending slang in your designs.

7. Sell Digital Products

Think planners, resumes, Canva templates, or content calendars.

Startup cost: ₱500–₱2,500
Real example: One Pinay solopreneur earned ₱100K in 3 months with planner PDFs.

Knowledge-Based & Coaching Businesses

8. Career or Life Coaching

Great if you’ve helped others grow. Offer discovery calls, package sessions.

Startup cost: ₱5,000–₱10,000
Tools: Calendly, Zoom, website

9. Create Online Courses

Teach writing, digital marketing, baking, etc.

Startup cost: ₱2,000–₱8,000
Stat: Thinkific saw a 221% increase in Filipino creators since 2021.

Passive Income & Digital Entrepreneurship

10. Affiliate Marketing

Earn a commission for every sale you refer.

Startup cost: ₱1,500–₱5,000
Platforms: TikTok, blogs, YouTube

11. Blogging

Build an audience and monetize through ads, products, or services.

Startup cost: ₱3,000–₱6,000
Tools: WordPress, Google Analytics

12. YouTube Channel

Use your phone to start. Talk about skills, lifestyle, or reviews.

Startup cost: ₱0–₱5,000
Example: A productivity vlogger in Manila hit ₱60K/month in under a year.

13. Stock Photography

Shoot and sell photos on stock platforms.

Startup cost: ₱0–₱3,000
Great niche: Filipino culture, food, and street scenes

14. Printables (Planners, Worksheets, Kids’ Games)

Sell on Etsy or your own site — passive income friendly!

Startup cost: ₱500–₱2,000
Tools: Canva, Gumroad

Local & Gig Economy Opportunities

15. Pet Sitting or Dog Walking

Especially in cities like Manila, Cebu, or Davao.

16. Mobile Car Wash

Flexible, mobile, and easy to scale.

Startup cost: ₱5,000–₱10,000
Case: A Quezon City resident now runs a mobile team after starting solo.

17. House Cleaning Services

Serve condo units, offices, or residential homes.

18. Errand Running / Personal Shopper

Help seniors or busy professionals buy groceries, process documents, etc.

Real People, Real Startups: Quick Case Studies

Diane, 32 – Digital Product Creator

Started during the pandemic. She now earns ₱50K+/month selling digital planners on Etsy.

RJ, 26 – Web Developer

Self-taught via YouTube. Booked ₱3K for his first site. Now works with SaaS startups.

Ella, 41 – VA Agency Owner

Started as a solo VA, now runs a remote team of four serving international clients.

How to Grow Your Low-Investment Business

1. Leverage free tools like Canva, Trello, and Mailchimp
   
2. Learn basic SEO and social media marketing
   
3. Build credibility through testimonials and case studies
   
4. Join local entrepreneur communities online
   
5. Create a basic website to build trust and showcase your offer

Final Thoughts: Start Small, Think Big

Starting a business doesn’t have to mean risking everything. It’s okay to begin small, slow, and scrappy — that’s where most entrepreneurs find their edge.

Whether you’re freelancing from your apartment, creating digital downloads between errands, or launching a local service, the most important step is just that: starting.

How MSME Philippines Supports You

At MSME Philippines, we’re here to support your entrepreneurial journey with practical insights, inspiring stories, and tools tailored for Filipino business owners.

Ready to take the next step? Explore more small business guides, startup tips, and free resources right here on the MSME Philippines blog.

Ang tanong ng karamihan: “Paano magsimula ng negosyo?”

Sa dami ng kailangang ayusin — permits, papeles, at plano — madali kang ma-overwhelm. Pero ang totoo, hindi mo kailangang maging eksperto para makapagsimula. Kailangan mo lang ng tamang gabay, kaunting tiyaga, at malinaw na direksyon.

Ngayong 2025, mas madali nang magnegosyo sa Pilipinas. Sa tulong ng digital tools, supporta mula sa gobyerno, at lumalaking demand sa mga lokal na produkto’t serbisyo, panahon mo na para sumubok.

Sa gabay na ito, tuturuan ka naming paano magsimula ng negosyo sa Pinas — step-by-step, sa paraang simple at praktikal.

Bakit Ngayon ang Tamang Panahon para Magsimula ng Negosyo?

Ayon sa Department of Trade and Industry (DTI), 99.6% ng mga rehistradong negosyo sa bansa ay MSMEs. Ibig sabihin, karamihan sa mga negosyante ay nagsimula rin sa maliit.

At ngayong 2025:

• Mas mabilis na ang online registration 
• May mga loan at training programs para sa maliliit na negosyante 
• Mas madali nang magbenta online gamit ang Facebook, Shopee, Lazada 
• Tumataas ang supporta ng mga Pilipino sa lokal na negosyo 

Hindi mo kailangan ng milyon-milyong puhunan. Ang kailangan mo ay malinaw na simula.

Step 1: Tukuyin ang Negosyong Aakma sa’yo

Bago ka pumunta sa DTI o BIR, alamin mo muna kung anong klase ng negosyo ang gusto mong simulan.

Mga tanong na pwede mong sagutin:

• Ano ang kaya kong gawin o i-offer? 
• Anong problema ang kaya kong solusyonan? 
• May demand ba ito sa lugar ko o online? 

Halimbawa, may isang kaibigan ako na nagsimula lang magbenta ng lutong ulam sa kapitbahay. Dahil nakita niyang maraming busy sa trabaho at walang oras magluto, inalok niya ito bilang lunch delivery. Ngayon, may dalawang empleyado na siya.

Lesson? Simulan sa problema. Alamin kung paano mo ito maa-address gamit ang produkto o serbisyo mo.

Step 2: Gumawa ng Simpleng Business Plan

Hindi mo kailangan ng bonggang dokumento. Kahit isang pahina lang, basta malinaw kung anong direksyon ang tatahakin mo.

Isama sa simpleng plano mo:

• Ano ang produkto o serbisyong inaalok mo? 
• Sino ang target customers mo? 
• Paano mo sila maaabot? (online, physical store, referrals) 
• Magkano ang puhunan, gastos, at presyo? 
• Gaano kalaki ang target mong kita sa unang 3-6 buwan? 

Pwede kang gumamit ng notebook, Google Docs, o template gaya ng Business Model Canvas. Ang mahalaga, hindi ka lutang habang nag-uumpisa.

Step 3: Legal Requirements — Gawing Legal ang Negosyo Mo

Para makaiwas sa multa, hassle, at pagsasara ng negosyo, siguraduhing kumpleto ka sa permits at registration.

Mga Legal na Hakbang:

1. Piliin ang Business Name

• I-check kung available ito sa DTI Business Name Search 
• Dapat hindi pa ginagamit ng iba 

2. Magparehistro sa DTI o SEC

• Kung sole proprietor ka, sa DTI ka magrerehistro 
• Kung partnership o corporation, sa SEC 

3. Kumuha ng Barangay Clearance

• Sa barangay hall kung saan matatagpuan ang negosyo mo 
• Dalhin ang DTI/SEC papers, valid ID, at proof of address 

4. Kumuha ng Mayor’s Permit

• Sa city/municipal hall 
• Kailangan ito para maging legit ang operations mo 

5. Magparehistro sa BIR

• Kumuha ng TIN para sa negosyo 
• Magpa-approve ng resibo (ATP) at books of accounts 
• Obligado kang magbayad ng buwis at mag-file ng ITR 

6. (Optional) Business Insurance

• Kung may tindahan ka o staff, makabubuting may insurance para sa seguridad 

Kapag legal ang negosyo mo, mas malaki ang kumpiyansa ng kliyente at mas makakaiwas ka sa problema sa hinaharap.

Step 4: Magbukas ng Business Bank Account

Huwag mong ihalo ang personal at business na pera. Bukod sa nakakalito, delikado rin ito kapag may legal na usapin.

Kailangan mo ng:

• DTI/SEC Certificate 
• Mayor’s Permit 
• Valid ID 
• TIN 

Kapag hiwalay ang account, madaling i-track ang kita, gastos, at taxes.

Step 5: Pondohan ang Negosyo (Kahit Maliit ang Simula)

Ang tanong: Kailangan ba ng malaking puhunan para magsimula ng negosyo?

Hindi. Ayon sa studies, maraming microbusinesses ang nagsimula sa ₱20,000 – ₱100,000 lang.

Saan pwedeng kumuha ng pondo?

• Sariling ipon (bootstrapping) 
• Family or friends na willing magpahiram 
• DTI Pondo sa Pagbabago (P3) – low-interest loan 
• Local cooperatives o lending institutions 
• Go Negosyo at iba pang MSME programs 

Tip: Mag-umpisa sa kaya mong i-manage. Huwag kang mangungutang nang hindi sigurado sa flow ng negosyo.

Step 6: Ayusin ang Branding at Online Presence

Mas maraming Pilipino ang nagso-shopping o naghahanap ng services online. Kaya kung wala ka sa internet, posibleng hindi ka makita.

Simulan mo sa:

• Professional-looking logo at visuals (Canva – libre!) 
• Facebook Page at Instagram account 
• Google Business Profile (lalo na kung may physical shop) 
• Basic website (pwede sa Wix o WordPress) 

Mas maayos ang tingin ng customers kapag presentable ang online identity mo.

Step 7: Hanapin ang Unang Customer

Walang negosyo kung walang customer. Kaya kahit wala ka pang bayad sa ads, pwede mo nang simulan ang marketing mo.

Subukan ito:

• Post sa personal Facebook account mo 
• Magbigay ng discount o trial sa mga kaibigan 
• Sumali sa local Facebook groups (buy and sell, barangay page) 
• Gumamit ng free tools like Canva, CapCut, at Google Forms 

Ang goal mo: Makarinig ng feedback. Ang unang sampung customer mo ang magsasabi kung may future ang negosyo mo.

Step 8: Panatilihin ang Compliance at Ihanda ang Negosyo para Lumago

Kapag tuloy-tuloy na ang benta, wag kalimutang i-maintain ang legal at financial side ng negosyo.

Gawin mong habit:

• Mag-file ng monthly/quarterly taxes sa BIR 
• Mag-renew ng Mayor’s Permit at barangay clearance yearly 
• Gumamit ng simple tracking system (Excel or free accounting tools) 
• I-consider ang insurance para sa peace of mind 

Pag ready ka na, pwede ka nang:

• Mag-hire ng tauhan 
• Magdagdag ng produkto o service 
• Mag-expand sa ibang lugar o online platforms 

Tandaan: Mas okay ang bagal pero maayos kaysa mabilis pero sabog.

Konklusyon: Paano Magsimula ng Negosyo at Bakit Mahalaga Ito

Ang tanong na “paano magsimula ng negosyo” ay hindi lang tungkol sa kung anong form ang pipirmahan — ito’y tungkol sa kung paano ka magsisimula ng bagong yugto ng buhay mo.

Bilang bahagi ng MSME sector, mahalaga ang papel mo sa pag-unlad ng ekonomiya ng Pilipinas. Isang sari-sari store, online seller, o home-based service — lahat ito may ambag.

Ang pagsisimula ng negosyo ay hindi lang tungkol sa kita. Ito’y tungkol sa independensiya, oportunidad, at kontribusyon sa komunidad.

Kaya kung handa ka nang sumubok, ang tanong ay hindi na “paano?”
Kundi: kailan ka magsisimula?