Reviews
Business Loans Updated: 14. 04. 2026

CIMB Business Loan Philippines – review 2026

4,1 / 5

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 Bank PH app and online platform. The bank uses digital verification and automated credit assessment, enabling conditional approval within one to five banking days without a branch visit for qualifying businesses. CIMB targets micro and small enterprises seeking working capital who have a verifiable digital banking and transaction history.

Pros

  • Fully digital application without branch visit
  • Fast approval 1-5 banking days
  • BSP-licensed digital bank
  • Competitive monthly rates from 1.50%
  • No physical collateral required for smaller facilities

Cons

  • Maximum PHP 2,000,000 limits large SME needs
  • Monthly rates 1.50%-2.50% add-on translate to high EIR
  • Requires active CIMB digital banking relationship
  • No physical branch for complex business queries
  • Limited to 36-month term

Requirements

  • SEC or DTI-registered Philippine business operating at least 1 year
  • Active CIMB Bank business account
  • Business bank statements for past 6 months
  • Valid ID of majority owner
  • BIR registration and latest ITR

Company information

Name
CIMB Bank Philippines, Inc.
Address
10th Floor, Ayala North Exchange, Ayala Avenue, 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.