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Did you know that a surprisingly lucrative online selling business in the Philippines is helping many Filipinos earn an extra income easily?

Yes, we’re talking about an e-loading business.

This involves the sale of phone credits or “loads” to customers who need them. It’s one of the cheapest small businesses to start. Yet, at just ₱2,000, it has great potential for creating an extra side income and eventually turning it into full-time income.

This makes it the perfect online business for students, housewives, sari-sari store owners, and just about any employee looking for a side income.


What is an E-loading Business?

E-loading is an easy, low-cost way to earn some extra cash. All you need are Globe or Smart Prepaid Cell Phones and a third-party distributor like Coins PH (preferred), who will sell the load for profit on your behalf!

As a smart load dealer, you can buy these products from the load providers at a discounted price and then sell them to your customers at the retail price. The difference between the two prices is your profit.

For example, let’s say you buy a ₱50 smart load for ₱45 from the load provider. You can then sell this to your customer for ₱50, and earn a ₱5 profit.

Unlike other types of reselling business, this is a relatively simple business model that anyone can do and doesn’t require special skills or training. All you need is a smartphone and an internet connection, and you’re good to go!


How Much Can You Earn from an E-loading Business?

As you can already tell, running a successful e-loading business is highly dependable on your sales volume. The more you sell, the more you earn.

No doubt, the profit margin is small, but when you’re running any kind of ecommerce business and you can automate a large portion of your operations, these numbers can quickly add up.

After all, the great thing about an e-loading business is that there is no limit to how much you can earn. Your earnings will depend on the number of customers you have and the margin you make on each sale.

For example, let’s say you have 10 customers and make a ₱5 profit on each sale. This means you will be earning ₱50 per day (10 x ₱5) or ₱350 per week (50 x 7).

Now let’s say you double your customer base to 20 and your margin to ₱8 per sale. This means you will now be earning ₱160 per day (20 x ₱8) or ₱1,120 per week (160 x 7)!

The key thing about this business is to focus on bringing in more customers since your earnings are cumulative.

Additionally, if you’re using it to augment your other businesses as an offline to online business model, it becomes a fantastic alternative for lead generation and client servicing. The low barrier to entry makes it a great way for almost any business to include this in their service offerings.


How to Start an E-loading Business in the Philippines

Now that we’ve answered the question “what is a smart load dealer?”, it’s time to show you how to start your own e-loading business in the Philippines.

Here are some simple steps to quickly get you started:


1. Conduct Market Research

Always do your research before diving into a new business, that includes e-loading. Gauge how successful you could be and if it’s worth your time, effort and money. Define what you hope to gain from this venture and set milestones to know when you’ve reached your personal goal.


2. Decide Whether to be a Single or Multi-Network E-Load Seller

There are two main types of e-load sellers, single or multi-network sellers. As a start, you should decide on which type of service you want to provide.


a. Single Network Load Seller

If you want to sell e-load the traditional way, you need to get a retailer SIM card for the network from their business center or hotline. After activating your retailer SIM, you can start selling loads to customers.

However, this model requires extra phones and sims if you want to sell for more than one network. So it’s economically better to stick with one, especially if you’re new to online selling and this is your first business.

Budget & Potential Earnings

All you need to get started is a cell phone and a retailer SIM. You can either use your existing smartphone or purchase a second-hand mobile for under ₱1,000. As for the retailer SIM, it will cost you ₱600 at most depending on how much pre-loaded e-load is included.

E-load single network sellers gain profit from three main sources:


    • Commissions and rebates – 7% to 13% of the load amount.
    • Added transaction fee – The “patong,” or adjustable transaction fee that you charge your customers each time you sell them load, is completely based on what you think is appropriate.
    • Special Promos and Cashbacks – Smart, Globe2, and Shopee run occasional promotions offering cashbacks or discounts of up to 50% off your purchase. While these promos can boost profits, they tend to be seasonal and unreliable. Rather than counting on them as a regular source of income, it’s best to treat them as occasional opportunities.



b. Multi-Network Load Seller

With this model, you have the freedom to select from a variety of e-load types. You are not restricted since third-party sellers offer loads for different networks, such as:


    • – With the mobile app, transactions are a breeze. And because there are no setup fees and you don’t need a retailer SIM, you can start selling e-load in less than an hour! Plus, loading your wallet is affordable at only ₱15.
    • PayMaya – Transactions can be done through the mobile app with no fees and without a retailer SIM. Account processing takes up to 2 days.
    • LoadCentral – You can sell load via a standard mobile phone3, their android app, or by utilizing the LoadCentral Webtool present on their website. There is no need for different retailer SIM cards; register for free5 to start.
    • Telepreneur Corporation – TPC, an MLM direct selling business deals with e-loading. You’ll find many packages to get you started, including a cellphone and tarpaulin.


Budget & Potential Earnings

If you want to start a multi-network e-loading business, there are some costs that you need to think about. You can use your personal smartphone or tablet without any problem if you go through a third-party distributor. If you don’t want to use your personal smartphone or have one that is compatible with the distributor’s app, then you can buy a new, entry-level smartphone for under ₱5,000. Buying a new or functional second-hand phone is recommended. Avoid spending more than that on a cellphone to minimize your risk.

There are two main ways to make money when selling e-load: commissions or rebates and added transaction fees. Commissions or rebates are 5% to 10% of the load amount, while the added transaction fee is like your “patong” and it depends on you. However, it’s important to check the prices of your competitors.

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Which Business Model Should You Choose?

Deciding whether to use a single or multi-network load balancer for your business? Consider these key factors to help you make the best decision.

The type of cellphone loading business you should have depends on who your target market is. If most of your customers are Smart subscribers, then it might be better to be an exclusive retailer.

If your target customers subscribe to different networks, selling loads from multiple telecom companies might be better. However, make sure the distributor you purchase from is legitimate and safe. Many distributors offer all-in-one retailer SIM cards, so be careful when choosing one.


3. How to Apply to Become a Prepaid Load Retailer

Here are the steps if you’re applying straight from a telecom company.


Applying for an e-Loading Business with a Telecom Company

If you want to be a Smart network retailer, go to the nearest Globe Business Center, Smart Wireless Center, or Sun Shop. You will need to fill out an application form and submit the required documents (usually IDs, proof of billing, and pictures of your ID). You can also call the Smart Retailer hotline at (02) 8845-7733 for more information.

The agent will give you the contact details of the regional distributor in charge of your area. Alternatively, you can also visit any of the following branches:


    • Robinson’s
    • SM Savemore
    • SM Hypermarket
    • Ultramega
    • Super 8


In addition to the ₱300-₱600 retailer SIM card, you’ll need an initial load balance of at least ₱1,000. The telecom company will provide you with a local load distributor’s contact information to buy the retailer SIM and reload your load wallet.

Once your application is approved, you’ll receive an agent code and prepaid load reseller kit from the telecom firm, which will include everything you need to get started.


Applying for an e-Loading Business through a Third-Party Distributor

You can become a load retailer with a third-party distributor by visiting their website and registering for membership. This will require filling out an online application form.

Once your account is registered, the company will send you registration confirmation via email or SMS.


4. Start Marketing and Selling

The second part to running an e-loading business is finding ways to generate awareness through getting the word out there about your cellphone loading business. And a great way to start is by sending a text message blast to your family and friends, encouraging them to inform others about your load-selling services. You can also use owned social media accounts to advertise your e-loading station.

If you have a physical location for your business, talk with distributors to request free materials such as flyers, posters, tarpaulin, or anything else they offer—such requests are usually complimentary.

Another great way to build your business is by launching an online store where you can list the various packages you offer, and customers can purchase from your website.

And it’s very easy to start an ecommerce website today with free online store builders like Shopboxo where you can manage the entire shop from your smartphone.

You do not need complicated tools to get started, and since this business is already running through your phone, it makes perfect sense to include a storefront where you can consolidate all your marketing efforts and orders on one platform.



If you’re located in the Philippines and planning to start a loading business, it’s not complicated and doesn’t require much money. What you need is to learn how it works, have a regular cell phone, buy a retailer SIM card, and set aside some cash for your initial load credit.

The profit from this venture might not be significant at first glance. However, once your e-loading business starts to get traction, earnings can begin to flow in more steadily.

Start your E-loading business with Shopboxo today.

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