BPI SME Loan – review 2026
Pros
- Online pre-qualification screening available before a branch visit
- Annual rate starting at 7.50% for secured term loans
- Facility sizes up to PHP 20,000,000 for established SMEs
- Dedicated BPI business banking division with SME-focused relationship support
Cons
- Minimum loan amount of PHP 300,000 is higher than some competing bank SME programs
- Full underwriting still requires in-branch documentation after online pre-qualification
- Secured term loans require collateral, which not all applicants may have available
Bank of the Philippine Islands offers SME financing from PHP 300,000 to PHP 20,000,000 through its Bizloan and credit line products, with annual interest rates starting at 7.50% for secured term loans. The bank runs a dedicated business banking division aimed at companies with established financial records that are seeking expansion capital or additional working capital.
Who it suits
SMEs that already maintain organized financial statements and want to access growth or working capital financing, rather than businesses just starting out, are the best fit for BPI's program. The PHP 300,000 floor is higher than BDO's SME entry point, reflecting a focus on somewhat more established enterprises.
Applying and repayment
Businesses can start with online pre-qualification through the BPI website for an initial screening before booking a branch appointment to complete full documentation. Once approved, secured term loans follow a fixed amortization schedule, while credit lines allow flexible drawdown and repayment within the approved limit.
Requirements
- Registered Philippine business with at least the minimum required operating history
- Valid business permits and SEC or DTI registration
- Financial statements or audited reports demonstrating revenue and cash flow
- Collateral for secured term loan products, where applicable
- Valid government ID of the business owner or authorized company signatory
Provider contacts
- Name
- Bank of the Philippine Islands
- Address
- BPI Building, Ayala Avenue corner Paseo de Roxas, Makati City, Philippines
- Reg. number
- BSP Commercial Bank License
- Website
- https://www.bpi.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.