Q&A: What Businesses Can You Start With 100K in the Philippines?

With the continuous rise of commodity prices with no promise of salary increase, more Filipinos are finding themselves wanting to start a business to add more to their monthly income. During the quarantine period, online businesses became popular. Sadly, inflation makes it not easy to have big capital to start a business. But keep in mind that great businesses often start small. 

True, a Php 100K capital won’t be enough to open a multi-story cafe and restaurant, nor will it allow you to own a commercial building with spaces you can lease to earn an income. Nonetheless, a Php 100K capital is enough to start a business in the Philippines. Plenty of entrepreneurs also claimed to have started their own business with only PhP 100,000 or less, so there’s no need to worry that your capital is too small. 

Tips that Help Determine the Best Business Idea to Try in the Philippines for a 100K Capital

If you feel overwhelmed with all the profitable businesses in the Philippines, you can start with only 100K, don’t fret. Here are simple steps that may help you choose which one is best for you and your circumstances:

  1. Start with something you already know how to do. It is better to choose a business that aligns with your skill set, experience, hobby, or interests.
  2. Look around you. Check out what is in demand in your area that the existing businesses have not yet met. Find a gap in the supply-demand chain and address that need. 
  3. Create alternatives for imported goods. Check out products that are often imported to the country and see if there are local products you can sell that can substitute those imported goods. Doing so is more affordable for your consumers and will also provide additional income for other local businesses located in the provinces.
  4. Add a twist to existing successful businesses. Learn from other profitable businesses by looking into their techniques and adding your twist to serve your customers better. 
  5. Test your business idea. Before giving away all your capital, start small to see if your business will boom or not. See if people are willing to pay money for the products and services you offer. You can also ask for customer feedback to know how to do things better.

To help you get started with your goal of becoming an entrepreneur, here are 31 profitable businesses you can start with Php 100K in the Philippines:

man selling kwek kwek

Street Food or Food Cart Business

Start-up capital range: PhP 5,000 to PhP 10,000; PhP 30,000 and up

For a low capital, you can start a street food business stall. This is sure to be a good business as Filipinos love affordable street food like fish balls, squid balls, kikiam, and kwek-kwek. You can also sell barbecue, banana cue, siomai, and calamares. You can also invest in a food cart franchise and sell different merienda options such as lugawmamipares, and to-go rice meals. Locating your street food cart near schools, offices, transportation terminals, and markets is ideal since these snacks are affordable and fulfilling.

Eatery Business

Start-up capital range: PhP 15,000 to PhP 25,000

If you have a knack for cooking and have a space with high foot traffic and close to residences or offices, you can start a local carinderia or eatery business selling affordable home-cooked meals. If you have the space, you can set up tables and chairs to accommodate customers who want to eat there.

Healthy Meal Delivery Service/Diet Delivery Program

Start-up capital range: PhP 3,000 to PhP 5,000 per day

More and more people, especially millennials, desire to eat healthier, but their busy schedule makes it hard for them to always prepare healthy meals they can eat for lunch or throughout the day. That is why you can start a healthy meal delivery service if you are familiar with diets such as keto and Cohen. You can create a meal plan based on your client’s diet. Prepare those meals and have them delivered to their home or office.

Sari-Sari Store or Mini Grocery Store

Start-up capital range: PhP 2,000 to PhP 100,000

If you want to start a business at home, start a sari-sari store. You can sell various items such as condiments, snacks, drinks, frozen foods, and anything you think is needed by people in your area. If you have found a modestly-sized retail space, you can start a mini grocery store and sell a wide variety of goods such as rice.

Homemade Ice Cream Business

Start-up capital range: PhP 2,500 to PhP 16,000

Ice cream is perfect for the Philippines’ hot and humid weather, especially during summer. Homemade ice cream requires simple ingredients and recipes. Moreover, you can sell them to your neighbors or post them online. You can start with just a few flavors and set up a day that you will deliver your items to buyers so you can make orders in batches and deliver them as soon as they’re frozen.

small plant seedlings

Indoor Plant Business

Start-up capital range: PhP 3,000 to PhP 10,000

If you are a certified plantito or plantita, you can earn from your indoor plants at home by propagating them and selling them to others. Succulents are one of the indoor plants you can start with as they are easy to propagate and cultivate. You can sell your items online or display them outside your home to let your neighbors and other passersby know about your business. If you have ample space, you can also grow various plants from your backyard and sell them once they’re harvested.

Mobile Coffee Shop

Start-up capital range: PhP 5,000 and up

It is no secret that Filipinos love their coffee—whether hot or cold, black or creamy. To give your customers a new coffee experience, why not bring their coffee to them? When you start a mobile coffee shop business, you may use a cart, a bicycle with a sidecar, a van, or a truck. You can also be near schools, offices, and other areas with a high foot traffic. For a wider reach, promote your business on social media and inform your customers where you will locate your cart. 

Meat Processing Business

Start-up capital range: PhP 1,500 to PhP 20,000

Starting a meat processing business is ideal because your products have a wide variety and longer shelf life due to preservation methods compared to unprocessed meats. You can make ready-to-cook meat products such as tocinotapalongganisa, hotdog, ham, and dumplings.

Rice Retailing Business

Start-up capital range: PhP 50,000 and up

For Filipinos, rice is life. That said, starting a rice retailing business makes a lot of sense, especially since there are plenty of people and food establishments who order in bulk. Before starting this type of business, make sure to secure a National Food Authority (NFA) License at the NFA office. The application fee is PhP 100. Remember that rice spoils quickly and will deteriorate within three months. Invest in quality and clean storage to prevent pests or bugs such as bukbok (weevils) from infesting your products. Finally, choose a good location, such as in a wet market or near grocery stores, when looking for a commercial space to sell your items.

Local Produce Retail 

Start-up capital range: PhP 5,000 and up

If you live in an area where the wet market is relatively far, you can start selling local produce such as fruits and vegetables. Make sure to buy products that your clients commonly buy. You can also add more specific items if you wish to cater to specific clients with particular wants and needs. Aside from fruits and vegetables, you can also sell meats and fish. Make sure you invest in a quality freezer so your items won’t spoil quickly. You can purchase local produce in bulk to save more.

mushroom cultivation area

Mushroom Farming

Start-up capital range: PhP 5,000 to PhP 10,000

Only 2 percent of mushrooms in the country are locally grown, and the rest are imported. So if you want to start a business in the Philippines with less than 100k capital, start mushroom farming. No educational requirements are needed to cultivate mushrooms; you can grow them in a limited or large growing space. You can grow and cultivate mushrooms such as Shiitake, Enoki, Oyster, Paddy straw, Jelly ear, and Reishi (or Lingzhi).

CCTV Installation

Start-up capital range: Php 20,000 to PhP 50,000

Safety is one of the primary concerns of property owners, especially these days. To earn profit from this need, you can provide setting up CCTVs in homes, offices, commercial establishments, and communities. This is especially ideal if you have knowledge and experience in IT, CCTV operation, and electrical work. You can hire and train more technicians as your business grows.

Video Editing Services

Start-up capital range: PhP 3,000 to PhP 20,000

With the growing number of vloggers and video content being produced, video editing services are one type of business you should get into, especially if you have experience in video editing. If you already have a laptop or desktop computer to work with, you only need to invest in editing software you can use. With this business, you can work flexible hours wherever you are so long as you meet your deadlines.

Accounting Services for Freelancers and Small Businesses

Start-up capital range: PhP 20,000 to PhP 50,000

Another versatile and pandemic-proof business in the Philippines you can start with 100K capital is accounting services. If you are an accountant or bookkeeper, you can offer your services to freelancers and small businesses who need bookkeeping and tax filing services since they may find it tedious to do it themselves. You will surely have returning clients so long as you prove the quality of your work. 

female shopping choosing clothes

Personal Shopper

Start-up capital range: PhP 50,000 and up

Start a personal shopping business if you have a knack for shopping, finding the best deals, ad networking. This allows you to do what you love and only need a sense of style. The challenge may be finding clients, but you can promote yourself online or contact different department stores to help you know whom you can personally provide service to. Instead of starting with luxury brand items, you can start with mid-range brands, gadgets, home items, and grocery items. Once you’ve earned enough capital, you can move to more expensive items.

Personal Concierge and Errand Services

Start-up capital range: PhP 30,000 to PhP 100,000

Suppose you do not mind running errands for people and businesses, such as paying their bills, delivering goods, buying gifts and groceries, or even picking up their laundry. In that case, errand services are a profitable business to try. It will also help if you already have a motorcycle or vehicle to help you move around faster. Your revenue will depend on your clients and the number of tasks they will ask you, but once you have enough clients and have proven the quality of your service, you will surely have loyal customers.

Online Clothing Store

Start-up capital range: PhP 5,000 to PhP 50,000

If you love designing outfits, you can start your online clothing store business. Just partner with a seamstress who can turn your ideas into actual clothing pieces you can sell online. Another option is to source affordable yet quality clothing items from Taytay Tiangge, Divisoria, or ukay-ukay stores and sell them online.

Costume Rental

Start-up capital range: PhP 500 to PhP 6,000

Start a costume rental business if you love designing and coming up with fun and creative costumes. Your clients can include cosplayers, students, and employees who must wear costumes and props for different events and occasions. This type of business is often in demand all year round since different events are held throughout the year. You can also rent out gowns and formal wear.

Tailoring/Alteration Services

Start-up capital range: PhP 5,000 to PhP 20,000

If you have a functioning sewing machine, try an alteration business and eventually tailoring services from your home. You can start marketing your business to your relatives, friends, and neighbors, and post online to let others know near your area about the services you offer. Once you have enough funds, you can lease a commercial space inside the mall so more clients can see you.

Cosmetic products laid out

Hair and Makeup Services

Start-up capital range: PhP 12,000 to PhP 50,000

If you love makeup and hair styling, you can start a hair and makeup business. Your first clients can include your family and friends. It is best to showcase your work on your business’ social media pages so that other people can consider hiring you when they attend special events such as weddings, parties, and other formal events. You can start your business at home or travel to your client’s locations. You may also consider enrolling at makeup artistry schools to improve your skills.

Drone Rental

Start-up capital range: PhP 25,000 to PhP 100,000 per drone

Drones are expensive and people who need them would often resort to renting one instead of buying. You can purchase one or several drones, depending on your budget, and rent them out for PhP 1,500 to PhP 2,000 per day. In addition, you can charge at least PhP 5,000 per day if you will also be the one to operate it for the shoots.

Videoke Machine Rental

Start-up capital range: PhP 20,000 to PhP 60,000 per videoke machine

Whatever occasion calls for a karaoke! Filipinos love to sing, and the best way to make their voice heard is by singing their favorite songs on karaoke. If there are any parties or events in your neighborhood, expect one of your karaoke machines to be rented out. If you have a vehicle, the better, as it is required when you deliver and pick it up from your customer’s location. You can charge by the hour or per day.

Pet Grooming Services

Start-up capital range: around PhP 50,000

Having pets is becoming more popular in the Philippines. If you love animals, you can turn your passion into a small business by starting your own pet grooming business. Start by grooming your neighbor and friends’ pets in your home or their homes, or partner with pet shops and veterinary clinics to expand your business.

Pet Care Services

Start-up capital range: around PhP 50,000

If plenty of your neighbors have pets and they are always away, you can start your pet care service business. You can tell your friends, family, and neighbors that you can do pet sitting and boarding services in your home. Often, customers will be the ones to leave food for their pets, and all you need to buy are cages, some pet supplies, an air conditioning unit or electric fans, and enough space for your client’s pets to stay in. This business is ideal if you have a vacant room or vacant garage in your home that you are not using.

Leashes and collars variety on showcase in pet store

Online Pet Supplies Shop

Start-up capital range: at least PhP 50,000

If grooming pets is not your forte, you can always resort to selling pet supplies online such as pet food, grooming tools, toys, clothes, and accessories. If your budget does not allow you to rent a commercial space, you can sell your products on online marketplaces. You need a large and clean storage space to store your stocks. 

Car Wash Business

Start-up capital range: starting at PhP 68,000

If you have found a rental property with high foot traffic and is close to a residential area, you may set up a car wash business. This business is always in demand because not all car owners have the luxury of time to make their cars squeaky clean. The fee you charge will depend on the services you provide. You may charge as low as PhP 100 for every sedan and add other services such as vulcanizing.

Cellphone Repair Shop

Start-up capital range: around PhP 50,000

Not everyone can get their hands on the latest phone and even the latest models are becoming more prone to damage. Instead of changing their phone if it’s damaged, most people prefer to have their old phone fixed, especially if it’s just minor repairs. If you know about repairing phones, a cellphone repair shop is an ideal business. You can start doing it at home or rent a small space.

Digital and Offset Printing Services

Start-up capital range: Php 10,000 to PhP 100,000

Personalized printing services are always in demand. When you start a digital and offset printing service, expect that you will be asked to print customized items often in build for different events. This may include printing on t-shirts, caps, mugs, button pins, business cards, brochures, calendars, posters, and flyers.

White Labeling/Private Labeling

Start-up capital range: PhP 1,000 and up

If you want to start a white-labeling business, choose a product already selling well and rebrand it as your own. You can either rebrand the product, the packaging, or both. You need to purchase numerous products, often in bulk, and you will be the one to store, pack, and ship them too. On the other hand, if you are interested in starting a private labeling business, you can devote your time and energy to creating products that third parties can sell as their own. The good thing about this is that you do not need to market, brand, or retail your products as you are solely focused on manufacturing your products.

Rental Real Estate Sign in Front of house

Residential Rental Property

Start-up capital range: around PhP 100,000 for repair, renovation, and unit furnishing

Let’s say you have an unoccupied home or condo unit located in an ideal location in the metro or a famous tourist destination in the Philippines. Earn from your property by entering the rental business. You can use your capital to repair your unit and furnish it with home items and appliances. Additionally, you may rent your home to travelers per day or opt to lease it for the long term for a more steady income.

Junk Shop

Start-up capital range: around PhP 100,000

One man’s trash is another man’s treasure, and when you start a junk shop, you will certainly make money out of trash. Buy scrap metals, cartons, plastics, bottles, and newspapers from people and sell them at higher prices to factories and recycling agents. This is perfect if you can find a modestly sized warehouse to store all your scraps. Not only are you profiting, but you can also contribute to proper waste disposal. 

Photos from Deposit Photos and Unsplash


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