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CloudCFO, 2F, Paragon Plaza, 162 EDSA corner Reliance Street, Mandaluyong (2026)

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2F, Paragon Plaza, 162 EDSA Corner Reliance Street

14/08/2026

Update: Wage Order NCR-27's TRO expired August 13, but the wage hike is still suspended. The Pasig RTC replaced it the same day with a preliminary injunction, this time with no fixed end date.

Employers who prepped to revert their NCR payroll rate this week might need to hold that thought.

↳ The expectation was that a 20-day TRO can't be extended under Rule 58, so the wage hike would snap back into effect once it lapsed. Instead, the court issued a different order entirely.

The preliminary injunction bars the wage board from implementing NCR-27 until the underlying case is decided on its merits.

↳ The bond petitioners had to post also jumped sharply, from ₱1 million for the original TRO to ₱10 billion for the injunction.

For payroll purposes, the practical answer is straightforward: ₱695/day remains the floor.

The harder question is for employers who already ran payroll at the higher rate. Reducing a wage already paid raises its own legal exposure, separate from whatever the court eventually decides on NCR-27 itself.

We broke down the full timeline: the TRO, a second court case that emerged along the way, and the injunction that replaced it, plus what to check before your next payroll cycle.

13/08/2026

"Here you need strong relationships or collateral. And they have really high interest rates here as well."

Why founders in the Philippines can't just "get a line of credit" when cash gets tight.

Alex & Mickael raises a hard truth: when a client doesn't pay, you still have to pay your own vendors, that's just how contracts work here. And unlike markets like the UK, where an overdraft or credit line is a quick fix, financing here is scarce. You need strong relationships or collateral, and interest rates run high.

If your biggest client paid you 60 days late, could your business survive it? What's your backup plan when the bank isn't an option?

Watch the full clip or stream the full podcast here:

YouTube: https://www.youtube.com/watch?v=VprR1o7dlfM

Spotify: https://open.spotify.com/episode/12nHpyVU4JDFjXt9C1veK0

12/08/2026

Outsourcing your finance function is now a mainstream move, not an edge case. The global market for outsourced finance and accounting has been growing 6 to 9% annually, with small and mid-sized businesses the fastest-growing segment, and typical savings of 20 to 60% against local hiring for comparable work.

What hasn't kept pace is how carefully businesses vet the providers they hand their books to.

Most vetting guides cover credentials, pricing, software fit, and turnaround. All worth asking. But they compress data handling into one line, usually "ask about their security measures," and move on.

That gap matters, because with an in-house hire you control who is in the room. With an outsourced provider, your books, bank feeds, and payroll data are handled by a team you don't manage directly and often haven't met. Not a reason for suspicion. A reason to ask specific questions.

There is a real accounting principle underneath this: segregation of duties. No single person should control authorization, custody, record keeping, and reconciliation. It is standard CPA guidance for small businesses, not an enterprise-only concept, and SoD failures are a well-documented pattern behind small business accounting fraud and error. Asking who has access to your books is, in practice, you testing whether a provider's internal structure delivers that separation, or whether your books sit in one person's hands with a different letterhead on the invoice.

It also travels further than day-to-day operations. Investors expect clean, well-organized records with clearly controlled access when due diligence starts, and depending on your jurisdiction and industry you may carry your own obligations for how financial data is handled, even when a third party does the handling.

For a more detailed overview and guide, read our full blog. Link in the comment section.

12/08/2026

Most FC/LC compliance reviews check SEC MC 20-2026, confirm the capital tier and the disclosures, and call it done. That misses the parts of your operation actually most likely to fail an audit.

With the SEC lifting the OLP moratorium under MC 20-2026, there’s a major window of opportunity for LCs and FCs entering the online lending space in the coming months.

But a new license doesn't mean a clean slate. MC 20-2026 doesn't replace the rate caps, collection rules, and disclosure requirements already on the books. It sits right on top of them. An actual, audit-ready compliance check needs to run against the entire stack together.

Here's what that looks like, section by section.

► OLP registration. Every borrower-facing app, domain, or trade name gets disclosed as its own OLP, soft launches included. All of them now sit under one Certificate of Authority.

► Paid-up capital. The required minimum scales with OLP count, from ₱15M up to ₱100M at the five-OLP max. Existing operators get 12 months to close any gap.

► Business plan and deadlines. New CA holders file a business plan within 60 days. If capital falls short of your tier, the compliance plan should already be drafted, not waiting on an external flag.

► Rate compliance under MC 14-2025. For loans ₱10,000 and below, ≤4 months: 6% nominal, 12% EIR, 5% penalty, 100% total cost cap. The real audit question is whether any fee could get reclassified as a loan cost.

► Collection under MC 18-2019. Contact stays limited to the guarantor or co-maker, never workplace or contact list. Third-party collectors are bound by the same rules.

► Data privacy and systems. Every app permission needs a documented reason. Data retention policy needs a review date within the last 12 months.

► Disbursement under MC 20-2026. Every loan needs a Truth-in-Lending disclosure with real finance charges and EIR. No funds go out before the borrower confirms final terms, and auto-renewals need separate consent.

CloudCFO built a full audit checklist mapping all seven areas to the specific regulation behind each one. Feel free to save this if you're managing compliance for an FC or LC platform.

11/08/2026

"So having multiple accounts, then allocating percentages of all the money that came in so you're surprise-free."

After that payroll scare, Alex built a system for Bambu so it would never happen again.

A mentor pointed him to the book Profit First, and it changed how he runs finances. No more surprise VAT bills now every peso gets split across separate accounts for taxes, expenses, owner's pay, and 13th month savings. Fixed percentages, every time, so nothing catches him off guard.

Are your finances working for you, or just sitting there waiting for a surprise?

Watch the full clip or stream the full podcast here:

YouTube: https://www.youtube.com/watch?v=VprR1o7dlfM

Spotify: https://open.spotify.com/episode/12nHpyVU4JDFjXt9C1veK0

10/08/2026

BIR extension: your deadlines this week move to August 17.

Under Revenue Memorandum Circular No. 89-2026, the BIR has extended the filing of tax returns, payment of the taxes due, and submission of required documents originally falling on August 10 to 16, 2026 to August 17, 2026.

The extension follows continued heavy rainfall from the Southwest Monsoon, after Memorandum Circular No. 123, s. 2026 from the Office of the President allowed work-from-home arrangements on the recommendation of the NDRRMC.

It applies to taxpayers and Authorized Agent Banks under the affected Revenue District Offices across Metro Manila, Ilocos Sur, La Union and Pangasinan, the Cordillera provinces, Central Luzon, and Cavite, Batangas, Rizal and Mindoro. Swipe through for the full list of RDOs.

One thing to watch: if the extended due date falls on a holiday or non-working day, filing moves to the next working day.

Not sure if your deadline moved? We break down the full circular on the blog: https://cloudcfo.ph/blog/bir-tax-filing-extension-august-17-2026

07/08/2026

PH’s headline inflation cooled to 6.2% in July, but borrowing will be more expensive by August 27. Eli Remolona, governor of the Bangko Sentral ng Pilipinas, said a 25-bp hike is the likely move, with a chance of 50-bp hike. That takes the policy rate from 4.75% to 5.00-5.25%.

Remolona pointed to a specific list of risks the BSP is still weighing:
► The Middle East conflict and oil prices
► A new 12.5% US tariff on Philippine goods
► The peso's record low of 61.847 to the dollar

His own words on the uncertainty these create: standard models "don't necessarily take account of" it.

None of these show up in the CPI number yet. That's the gap between a cooling headline print and a central bank still leaning toward tightening.

What this means for SMEs here in the Philippines:
► If your business has a loan on variable rate, your repayment goes up on whatever the new policy rate lands at.
► If you import anything priced in dollars, you're paying more per dollar than you were two weeks ago, and now a US tariff on top of that if you export there.

What you should do:
► Pull up your loan agreement and find the actual repricing date. If it falls after August 27 and you're on a variable rate, you're walking into that renegotiation without knowing which number you're negotiating against, unless you've run it already.
► If you import in USD, get a landed cost quote at today's rate before you place your next order, not after the peso moves again.

Which one are you more exposed to right now? The rate hike on your loan or the peso plus tariff on your imports?

Feel free to share in the comments.

06/08/2026

Two founders build the same business. Same clients, same market, same years put in. Then one day, they want different things.

One wants to keep it steady, comfortable, and low-risk. The other wants to go bigger, no matter what it takes. So they go their separate ways, and most people would call that a loss.

Alex, CEO of Bambu Digital Inc., talks about parting ways with his business partner over a similar scenario, and why chasing scale without funding is a much harder, much demanding road than it looks like from the outside. That's exactly the kind of conversation The Business Behind the Numbers exists for.

Watch the full episode now on YouTube and Spotify.

YouTube: https://www.youtube.com/watch?v=VprR1o7dlfM
Spotify: https://open.spotify.com/episode/12nHpyVU4JDFjXt9C1veK0

04/08/2026

"There's no waking up at 2am thinking, how am I going to make payroll, how am I going to cover these costs."

A ₱10,000 bank balance and payroll due in 10 days the moment that tested Alex Kaplan as an owner-operator.

Alex still remembers the panic: a screenshot of his account balance, barely enough to cover payroll, and ten days to find the money. He worked the phones, pushing clients to pay up before the deadline. A check came through the day before payroll was due, just in time. He says late payments here tend to bunch up, then hit all at once in an inconsistent flood of cash.

Have you ever had to chase down cash just to make payroll? What's your backup plan when client payments don't come in on time?

Watch the full clip or stream the full podcast here:

YouTube: https://www.youtube.com/watch?v=VprR1o7dlfM

Spotify: https://open.spotify.com/episode/12nHpyVU4JDFjXt9C1veK0

03/08/2026

Zero-rated doesn't mean zero-cost.

If you export goods or services from the Philippines, your sales are VAT zero-rated. Your costs are not. Rent, raw materials, freight, utilities, software, professional fees almost all of it still carries 12% input VAT. You pay it, but you have no output VAT to offset it against.

So it just sits there. Quarter after quarter, it accumulates on your balance sheet as an asset you never convert into cash.

Here's what most exporters don't act on in time:

You have two years and the clock is per quarter, not per year. The two-year period runs from the close of the taxable quarter in which the zero-rated sale was made. Every quarter that passes, your oldest claimable quarter expires. Not delayed. Expired. That input VAT is unrecoverable.

You have two ways to recover it. A cash refund, or a Tax Credit Certificate you can apply against other internal revenue taxes. Which one makes sense depends on your cash position and your tax profile it's a decision worth making deliberately, not by default.

The BIR now has 90 days to decide. Once your application is complete, the BIR must act within 90 days from the date of submission of complete documents. The phrase doing the work there is *complete documents.* The clock doesn't start on the day you file. It starts when nothing is missing.

Certified true copies are now accepted. You no longer need to surrender original invoices and receipts. This one change removes a genuine operational barrier that stopped a lot of companies from filing at all.

Which is why refund claims are won or lost in the documentation, not the filing:

→ VAT invoices and receipts that are complete and properly stamped

→ Export documentation that actually ties to the sales you're claiming bills of lading, airway bills, inward remittance proof

→ Purchases that are clearly attributable to your zero-rated sales

→ Input VAT correctly allocated between zero-rated and other activities

→ VAT returns and books that reconcile to the amount you're claiming

Gaps in any of these are the usual reason a valid claim gets reduced or denied and by the time you find out, the window on the earliest quarters may already be closed.

If you're an exporter, a BOI- or PEZA-registered enterprise, or a services company billing overseas clients, this is worth checking before the next quarter rolls off. Pull your last eight quarters of input VAT and look at how much is sitting there unclaimed. For a lot of companies, the answer is a meaningful amount of working capital.

Link to the blog is in the comment section.

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