How To Start a Loading Business as a Sideline

Starting a cellphone loading business as a sideline is one of the cheapest small businesses to start in the Philippines. Whether you are a student, a housewife, or someone who has a full-time job, no matter who you are, you can easily earn extra money as a prepaid load retailer

An e-loading business is still a good opportunity to earn extra income even though it is not very profitable. In 2019, the Philippines has a huge market for electronic loading services with a record of almost 130 mobile prepaid subscribers. And with that record breaking subscribers, it continues to grow as of today. That is to say, customers will always keep on coming to loading stations to buy prepaid loads for them to text, call, and surf the internet.

Here are the 6 easy steps that will help you become an e-load retailer in the Philippines.

1. The location and how you will run your cellphone loading business

One of the first things that you need to consider when you want to start this business is where and how you are going to operate this loading business. Do you have the right market in your area?

Probably the best thing about setting up a loading business is it’s flexibility to operate. If you have a sari-sari store, a karinderya, or a computer shop, you can easily add it to your business.

If you don’t own any business just yet, you can still easily start this business by selling prepaid loads to your family, friends, and neighbors.

2. A mobile phone

In order for your e-loading business to operate, basically any cellphone that can send and receive text messages and calls can be used for selling prepaid load. You can also buy a cheap dual-SIM unit for only P1,000 or less if it’s only going to be used for loading. And you can also choose to use the one that you are currently using if you’re okay with changing your personal SIM card into a retailer SIM card.

3. Choosing an E-loading Method

There are two options to choose from before you start an e-loading business; become an exclusive reseller for a telecommunications company such as Smart, Globe, or Sun Cellular. Or you can be a member of a third party distributor like LoadCentral and LoadXtreme that enables selling load from all telecom companies.

Exclusive prepaid load seller’s pros and cons:


  • Legitimate way to start a cellphone business is guaranteed
  • It has a higher profit with 7% to 13% than selling load for all mobile networks.


  • If you are a retailer, you cannot sell load and any product from the competing brands.
  • You will be forced to offer limited service because you are basically tied to only just one brand.

Load Retailer or Multiple Networks’ Pros and Cons


  • You have a convenient way to sell a load from different networks by using an all-in-one SIM card.
  • You have the opportunity to cater a wide range of markets regardless of their mobile network.
  • You can also sell game credits, video-on-demand services, and subscriptions for cable TV.


  • It has a lower profit with only 5% to 10% than selling load from just one network.
  • More possibility of getting scammed by third-party companies that are illegitimate.
  • Some distributors have poor technical support.

So what will you choose? To answer the question depends on your target market. If you will be only selling to Globe subscribers because it is in-demand in your area, then being an exclusive retailer is the best choice. On the other hand, if your target customers are subscribed to a wide range of networks, then selling load from multiple telecom companies is the sensible choice.

4. Applying as a Prepaid Load Seller

By applying for an e-loading business with a telecom company, you should visit the nearest Sun Shop, Globe Business Center, or Smart Wireless Center to fill out an application form. Submission of requirements usually includes proof of billing, valid IDs, and ID pictures.

With this, you are required to purchase a retailer SIM card that usually costs around P300 to P600 together with the initial load worth P1,000. The telecom company may refer you to a local load distributor near in your area for you to buy the retailer SIM and to reload your load walle in the future.

You will receive an agent code and prepaid load reseller kit from the telecom firm once your application is approved.

If you choose to apply for e-Loading Business with a Third-Party Distributor, you should start by visiting the website of your chosen independent load distributor to register for a membership account by submitting an online application form.

The third-party company will then send you a confirmation message through email or SMS once your account is registered.

5. Learning how to sell prepaid load

Once you’re all set, you should pay close attention to these critical details:

  • How to properly sell load that includes keyword and access code to use for selling
  • How much you’ll earn per transaction
  • Familiarizing with all the prepaid load products that you can sell including their validity and price
  • Checking your remaining load balance
  • Places to reload your digital wallet
  • And different ways to contact the distributor should you need for technical assistance

It is important to read the manual that comes with your reseller kit for you to know everything about starting a cellphone loading business.

6. Time to promote your new business!

Last but definitely not the least is learning how to promote your new business. It is important to make your cellphone loading business known so it’s the perfect time to use your marketing skills. Tell your family, friends, and all the people that you could reach about your loading business. You can do this by sending a text blast or by just simply posting this information to all your social media platforms. Don’t be afraid to ask them to spread the information about your new business so you could reach more customers.

You can also ask your distributor to provide you with flyers, posters, tarpaulin, or any marketing materials if you already have a business location.

Can I also start a loading business using GCash?

If you have a GCash account, then the answer is yes! What’s good about using GCash for your loading business is that GCash gives up to 10% rebate for every load transaction! Using the app for your e-loading business is very easy and would only require a verified GCash account and GCash credits. And you may start with PHP 1,000 to PHP 2,000.

Here are the steps:

  • Open the GCash application
  • Click the “Buy Load”
  • Enter the number in “Buy Load For” section
  • Click “Next” at the bottom then enter the amount you need
  • Complete transaction!

A modest monthly profit of loading business dealers would range from P1,000 to P3,000, and it isn’t bad at all for a side business that’s easy to start and operate. There are some e-load retailers that even earn around P1,000 daily from their loading business!

With this, you may also want to start a business with POSIBLE at home or any existing shop if you want to grow your business not limited to selling pre-paid load. With POSIBLE, you can also add E-Money & Money Padala, E-pins, Prepaid Utilities, Gaming Pins, and many more!