M Lhuillier (ML Express)

ML Express is an authorized partnership program by M Lhuillier Financial Services, Inc., designed for entrepreneurs aiming to enter the high-demand financial services sector in the Philippines. It functions as a partner agent model, enabling individuals to offer Kwarta Padala, bills payment, and cash-in/cash-out services directly from their location. This model is ideal for complementing existing businesses, such as sari-sari stores, pharmacies, or laundry shops, by providing essential, trusted financial services to local residents. The brand leverages M Lhuillier's reputation as a leader in non-bank financial institutions, with thousands of branches nationwide.

As of April 2026, the investment package is 99,000 Pesos, often with promotional discounts reducing this amount for limited periods, such as 70,000 Pesos during specified Franchise Asia 2026 promotions. Significantly, this partnership offers zero franchising fees, zero royalty fees, and zero annual fees, making it one of the most accessible financial partnerships in the country. The package includes the ML Kwarta Padala system access, a 25,000 Peso startup operating fund loaded into an ML Wallet, a tablet with keyboard and mouse, a Wi-Fi printer, and marketing materials for site branding.

Partners undergo accreditation, which involves submitting documents such as DTI/SEC registration and NBI clearance, followed by training on the system and AMLA compliance. The operation is designed to be user-friendly, with real-time settlement of commissions and transaction reports, providing an efficient way to turn a small retail space into a productive money transfer outlet.