In 1972, ECLOF started as a desk created by the National Council of Churches in the Philippines (NCCP) to grant loan to its member churches. In 1995, it became an independent entity and was registered at the Securities and Exchange Commission (SEC) as Ecumenical Church Foundation, Inc., to extend its loan services not only to churches. In 2001, ECLOF began to operate as a microfinance institution.

Through the years, ECLOF continues to grow and expand its program and services by establishing different Unit Offices in North Luzon, South Luzon, and Palawan. These Unit Offices offer agri-microfinance; entrep loans or Micro Negosyo at Serbisyo through group loan, individual loan, and job generating loan; Small Medium Enterprise (SME) and Institutional Loans. They also provide microinsurance and savings program to clients.

In 2010, the Board of Trustees made a strategic decision to focus on agricultural microfinance and increase ECLOF’s agri portfolio to 60%.

Starting 2015 until the next five years, ECLOF aims to expand into the three (3) regions of Luzon, Visayas and Mindanao, reaching out to 50,000 clients. To achieve this, ECLOF will continually develop responsive relevant products and services and increase its organizational sustainability.

In 2017, the organization was formally adopted the name ECLOF Philippines Microfinance, Inc. in accordance to the MF-NGO Law that requires all microfinance organizations to indicate in its name the word “microfinance.” ECLOF has a total of 23 Unit Offices. It continues to provide responsive and relevant products and services to its clients by institutionalizing a “one-stop-shop” program in all of its Unit Offices. This year marks the third year of ECLOF’s strategic plan to reach 50,000 clients, in 3 regions, by 2019.