Business Loans for SMEs in the Philippines

Small and medium enterprises in the Philippines can access financing from commercial banks, government financial institutions and fintech lenders to fund working capital, equipment acquisition and business expansion. The Bangko Sentral ng Pilipinas (

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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 fro…

  • Largest Philippine bank by assets – financially stable counterparty
  • Loan amounts up to PHP 20,000,000
4.3
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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 l…

  • Established commercial bank with strong capital base
  • Online pre-qualification available
4.3
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CIMB Bank Philippines extends its fully digital model to SME business lending, offering loans from PHP 100,000 to PHP 2,000,000 at monthly add-on rates of 1.50% to 2.50% processed through the CIMB Ban…

  • Fully digital application without branch visit
  • Fast approval 1-5 banking days
4.1
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Ranggo Financing Corporation (RFC) is a SEC-registered lending company focused on SME and micro-enterprise financing, offering business loans from PHP 50,000 to PHP 5,000,000 with monthly rates of 2.5…

  • Faster processing 3-7 banking days vs banks
  • Accepts alternative income documentation
4.0
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SB Finance Company, Inc. is a BSP-supervised finance company that is a subsidiary of Security Bank Corporation, offering business loans from PHP 50,000 to PHP 2,000,000 at monthly rates of 1.79% to 3.…

  • Subsidiary of Security Bank – regulated and stable
  • Lower minimum than parent bank at PHP 50,000
4.0
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Guide: Business Loans for SMEs in the Philippines

Small and medium enterprises in the Philippines can access financing from commercial banks, government financial institutions and fintech lenders to fund working capital, equipment acquisition and business expansion. The Bangko Sentral ng Pilipinas (BSP) mandates that banks allocate a portion of their loan portfolios to MSMEs, increasing availability of credit for smaller businesses. Loan sizes range from PHP 50,000 for microfinance products to PHP 20 million or more for established companies with audited financial statements.