BDO SME Loan – review 2026
Pros
- Wide amount range from PHP 100,000 to PHP 20,000,000 fits micro to large SMEs
- Annual rate starting from a competitive 7.50%
- Multiple product types available: term loans, credit lines and trade financing
- Dedicated SME banking centers in major cities for specialized support
Cons
- Larger facilities require full financial statements and formal business documentation
- Terms up to 84 months mean total interest cost can add up over a long facility life
- Approval for trade financing and credit lines can involve a more detailed underwriting process than a simple term loan
BDO Unibank's SME loan program is among the most accessible commercial business financing options in the Philippines, covering amounts from PHP 100,000 to PHP 20,000,000 at annual interest rates starting from 7.50% and terms of up to 84 months. The program spans term loans, revolving credit lines and trade financing, and is backed by dedicated SME banking centers that BDO maintains in major Philippine cities.
Who it suits
Small enterprises across retail, manufacturing, services and agriculture that can present organized financial records are well positioned to use this program, whether for working capital, equipment purchase or expansion. As the largest bank in the Philippines by assets, BDO's scale allows it to serve both very small loan requests near the PHP 100,000 floor and much larger facilities up to PHP 20 million.
Applying and repayment
Business owners typically start the process at a BDO SME banking center, submitting business registration documents, financial statements and a description of the loan's intended use. Depending on the product chosen — term loan, credit line or trade facility — repayment follows either a fixed amortization schedule or a revolving drawdown-and-repayment structure.
Requirements
- Registered Philippine business (sole proprietorship, partnership or corporation)
- Valid business permits and SEC or DTI registration documents
- Financial statements or ITR demonstrating business revenue and repayment capacity
- Minimum length of business operation as required by BDO's SME lending policy
- Valid government ID of the business owner or authorized signatory
Provider contacts
- Name
- BDO Unibank, Inc.
- Address
- BDO Corporate Center, 7899 Makati Avenue, Makati City 0726, Philippines
- Reg. number
- BSP Commercial Bank License
- Website
- https://www.bdo.com.ph
- Online application
- Apply now →
- Regulator
- Bangko Sentral ng Pilipinas (BSP)
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.