Home > Personal Banking > Loans >SME Business Loan

SME Loan

Brief Description

The Small and Medium Enterprise (SME) Business Loan is a secured credit facility that caters to the business financing requirements of entrepreneurs and business owners. The program provides Short Term Loans or Revolving Credit Lines and Term Loans.



  • Short Term Loan (Revolving Credit Line) - a 30 to 180-day revolving credit line ideal for business operating and working capital requirements
  • Term Loan – a credit facility paid in monthly amortizations for a period of up to 10 years to address long term financing needs of businesses
  • Purpose:

  • Business Expansion
  • Acquisition
  • Working Capital
  • Refinancing of existing credit facilities
  • Loan Amount:

  • Minimum: PhP500,000
  • Maximum: PhP50,000,000
  • Processing Time:

  • 21 banking days
  • Term:

  • Term Loan: Up to 10 years
  • Short Term Loan: 30, 60, 90, or 180 days
  • Interest Rate:

  • Prevailing SME Business Loan rate at time of availment
  • Interest Rate Fixing:

  • Term Loan: 1, 2, 3, 4 and 5 years fixing term
  • Short Term Loan: 30, 60, 90, or 180 days
  • Collateral:

  • Real Estate properties

Minimum Eligibility Criteria

    Proprietorships, partnerships and corporations who:

  • are Filipino-owned
  • have been in business operations for at least three (3) years


  • Duly filled-out and signed application form
  • Payment of appraisal fee
  • Photocopy of two (2) valid IDs of each authorized signatory
  • Business registration papers issued by the Department of Trade and Industry (for sole proprietors)
  • SEC Registration Certificate, Articles of Incorporation, By-Laws and latest General Information Sheet (GIS) (for corporations)
  • Latest six (6) months bank statement
  • Audited Financial Statements for the last three (3) years
  • Income Tax Return for the last three (3) years
  • Photocopy of TCT / CCT
  • Photocopy of lot plan / vicinity plan / subdivision plan
  • Photocopy of Tax Declaration