Integrity
Core of Our Service
GEMISHE LOAN SERVICE INC. — where lending is done with honesty, integrity, and your future in mind. This commitment extends beyond mere transactions; it shapes our culture and defines our approach.
We strive to create an environment where clients feel valued and understood, fostering open communication that empowers you to make informed decisions. Your financial journey is our priority, and we are dedicated to ensuring that every interaction reflects the core values we hold dear. As we look to the future, we remain steadfast in our mission to provide innovative financial solutions that adapt to your needs, ensuring that you have the resources and support necessary to achieve your dreams.
Client-Centered Approach
At GEMISHE LOAN SERVICE INC., every decision we make is guided by one core principle: putting our clients first.
We understand that each person who comes to us has a unique story, set of needs, and financial goals. That’s why we take a personalized approach to lending — ensuring that our services are not only accessible and affordable, but also tailored to each client’s circumstances. We believe that financial success is a collaborative journey, and we are here to support you every step of the way, providing clear communication and expert advice to help you navigate your options with confidence.
Expertise that empowers your decisions.
With over a decade of experience, our knowledgeable team is always ready to provide guidance and support. We are committed to ensuring that your financial journey is as seamless and successful as possible.
Our dedication to your success drives us to continuously improve our services and adapt to your evolving needs. By leveraging our industry insights and innovative solutions, we empower you to make informed choices that align with your financial aspirations, paving the way for a prosperous future.
Meet Our Dedicated Team
Passionate professionals committed to your success, ready to guide you every step of the way. Our team brings diverse expertise and a collaborative spirit to ensure tailored solutions for your financial journey.
John Dela Cruz - President and Chief Executive Officer
As the Chief Executive Officer of GEMISHE LOAN SERVICE INC., John Dela Cruz leads the company with a clear vision rooted in integrity, client trust, and responsible financial service. With over a decade of experience in the financing industry, John has been instrumental in shaping GEMISHE into a trusted lending institution known for its ethical practices and client-first philosophy.
Under his leadership, the company has grown steadily, maintaining full compliance with regulatory standards and delivering consistent value to the community it serves. John is committed to innovation, transparency, and creating long-term relationships with clients through personalized, fair, and accessible financial solutions.
His leadership style is both strategic and compassionate — ensuring that while the business grows, it never loses sight of its core mission: to provide lending services that empower people and improve lives.
Leslie Anne Labitigan - Finance Department Manager
Leslie Anne Labitigan serves as the Finance Department Manager of GEMISHE LOAN SERVICE INC., bringing with her a strong background in financial management, strategic planning, and client-centered service. With years of experience in the lending and finance industry, Leslie plays a key role in ensuring the financial stability, transparency, and operational efficiency of the company.
Her leadership is guided by a deep commitment to integrity, accountability, and excellence, aligning with GEMISHE’s mission to provide ethical and reliable financial services. Leslie oversees the development and implementation of sound financial policies, ensures compliance with regulatory standards, and supports client financial needs with precision and care.
Known for her professionalism and people-first approach, Leslie leads her team with dedication and focus, making sure that every transaction supports the company’s values and every client receives the best possible financial guidance.
Isabel Forrosuelo - Loan Officer
Isabel Forrosuelo serves as a dedicated Loan Officer at GEMISHE LOAN SERVICE INC., where she plays a vital role in assisting clients throughout the loan application process. Known for her friendly demeanor, attention to detail, and strong sense of professionalism, Isabel ensures that every client receives personalized service tailored to their specific financial needs.
With a deep understanding of loan policies and a commitment to ethical lending, Isabel works closely with clients to explain loan terms clearly, gather necessary documentation, and support them from application to approval. Her goal is to make the borrowing experience smooth, transparent, and stress-free.
Isabel embodies GEMISHE’s client-centered approach, building trust through open communication and a genuine desire to help individuals and families achieve financial stability.
Our Credentials
Trust and transparency are at the core of our operations. We actively engage with the community to foster growth. Our commitment extends beyond lending; we participate in local initiatives that uplift and empower those we serve.
SEC Registration
GEMISHE LOAN SERVICE INC., is a legally registered financing and lending company in the Philippines, fully compliant with national financial regulations.
✔ SEC Registration Number: CS201230070
✔ Certificate of Authority to Operate: 1265
Being registered with the Securities and Exchange Commission (SEC) ensures that GEMISHE LOAN SERVICE INC., operates under legitimate and ethical lending practices, providing safe and transparent financial services. The company also complies with the regulations set by the Department of Trade and Industry (DTI) and the Bureau of Internal Revenue (BIR) to maintain its commitment to fair and responsible lending.
DTI Certification
Acebank Credit, Inc. is fully compliant with the Department of Trade and Industry (DTI) regulations, ensuring ethical and transparent business practices. This certification signifies that the company adheres to fair lending policies, consumer protection laws, and responsible financial services in the Philippines.
✔ DTI-Registered Business – Ensures compliance with trade and consumer protection laws.
✔ Fair Lending Practices – Upholds transparency, ethical loan terms, and fair treatment of borrowers.
✔ Regulated & Trustworthy – Operates legally under Philippine business regulations.
By securing DTI certification, Acebank Credit, Inc. reinforces its commitment to legitimacy, consumer trust, and professional financial services.
BIR Compliance
GEMISHE LOAN SERVICE INC., is fully compliant with the Bureau of Internal Revenue (BIR), ensuring that all financial transactions, tax obligations, and business operations adhere to Philippine tax laws and regulations.
✔ Registered with BIR – Legally recognized for proper tax filing and compliance.
✔ Transparent Financial Reporting – Ensures accurate recording and reporting of all financial transactions.
✔ Compliance with Tax Laws – Adheres to corporate tax requirements, including VAT, withholding taxes, and other applicable obligations.
✔ Issuance of Official Receipts – Provides BIR-registered receipts and invoices for all transactions to ensure transparency and legality.
By maintaining BIR compliance, GEMISHE LOAN SERVICE INC., upholds its commitment to ethical financial practices, legal accountability, and transparent business operations.
