Reviews
Business Loans Updated: 14. 04. 2026

BPI SME Loan – review 2026

4,3 / 5

Bank of the Philippine Islands offers SME financing from PHP 300,000 to PHP 20,000,000 through its BPI Bizloan and credit line products, with annual interest rates starting at 7.50% for secured term loans. BPI operates a dedicated business banking division and positions its SME program toward businesses with established financial records seeking expansion capital or working capital facilities. Online pre-qualification is available through the BPI website for initial screening before a branch appointment.

Pros

  • Established commercial bank with strong capital base
  • Online pre-qualification available
  • Dedicated business banking team
  • Annual rates from 7.50% for secured loans
  • Loan amounts up to PHP 20,000,000

Cons

  • Minimum loan PHP 300,000 – not suitable for micro-enterprises
  • Processing takes 10-20 banking days
  • Requires 2 years audited financial statements
  • Collateral required for larger credit facilities
  • Approval conditions may include cross-selling of other BPI products

Requirements

  • SEC or DTI-registered business with at least 3 years of operations
  • Minimum annual gross revenues PHP 5,000,000
  • Audited financial statements for past 2-3 years
  • Filipino-owned or majority-Filipino-owned entity
  • Collateral documentation for secured facilities

Company information

Name
Bank of the Philippine Islands
Address
BPI Building, Ayala Avenue corner Paseo de Roxas, Makati City, 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.