The purpose of this study was to uncover and understand the experiences of 5-6 money lenders in Kapalong, Davao del Norte. In-depth interviews were done with 10 purposively chosen money lenders. The gathered information was analyzed thematically. The experiences of the participants encompass the struggle of collecting debt amortization and lack of working capital. Hence, they stressed the need for financial agreements, additional investment, efficiency & amiability, and aid through training, capital, and tax incentives. The results imply that government agencies may craft a program to improve the lending experiences of the money lenders and enhance the lending industrys overall quality.