AS small and medium enterprises (SMEs) in the Philippines seek reliable funding solutions, it is crucial to differentiate legitimate fintech (financial technology) companies from loan sharks. While fintech offers accessible and convenient financing, fraudulent providers can pose significant risks to SMEs. This article aims to guide SMEs on how to be wary of loan sharks and trust only established and registered fintech companies that comply with regulations and offer secure funding solutions. By understanding the indicators of legitimate fintech providers and exercising vigilance, SMEs can safeguard their interests and thrive in the dynamic business landscape.