Reviews
Business Loans Updated: 14. 04. 2026

BDO SME Loan – review 2026

4,3 / 5

BDO Unibank's SME loan program is among the most accessible commercial business financing options in the Philippines, offering amounts from PHP 100,000 to PHP 20,000,000 with annual interest rates from 7.50% and terms up to 84 months. The program covers term loans, revolving credit lines and trade financing, serving small enterprises across retail, manufacturing, services and agriculture. BDO is the largest bank in the Philippines by assets and maintains dedicated SME banking centers in major cities.

Pros

  • Largest Philippine bank by assets – financially stable counterparty
  • Loan amounts up to PHP 20,000,000
  • Multiple product types: term, revolving and trade finance
  • Dedicated SME banking centers
  • Annual rates from 7.50% competitive for secured business loans

Cons

  • Processing takes 10-20 banking days for secured loans
  • Collateral typically required for loans above PHP 1,000,000
  • Minimum 2 years audited financial history required
  • Complex documentation for first-time business borrowers
  • Annual review required for revolving credit lines

Requirements

  • SEC or DTI-registered business operating at least 2 years
  • Minimum annual gross sales PHP 3,000,000
  • Filipino-owned or majority-Filipino-owned entity
  • Audited financial statements for the past 2 years
  • Collateral (real property, equipment or receivables) for larger amounts

Company information

Name
BDO Unibank, Inc.
Address
BDO Corporate Center, 7899 Makati Avenue, Makati City 0726, Philippines
Web

Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.