Reviews
Business Loans Updated: 14. 04. 2026

SB Finance Business Loan – review 2026

4,0 / 5

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 3.50% with terms from 6 to 48 months. The institution targets micro and small enterprises including sari-sari stores, transport operators and service businesses that require accessible financing with more flexible income documentation than commercial banks. Applications are processed through SB Finance branches and accredited agents.

Pros

  • Subsidiary of Security Bank – regulated and stable
  • Lower minimum than parent bank at PHP 50,000
  • Accessible to micro-enterprises
  • BSP-supervised finance company
  • Terms up to 48 months

Cons

  • Monthly rates 1.79%-3.50% higher effective cost than bank annual rates
  • Processing 5-10 banking days
  • Maximum PHP 2,000,000 limits medium-scale business needs
  • Agent network varies in quality
  • Collateral may be required for larger facilities

Requirements

  • DTI or SEC-registered Philippine business
  • At least 1 year of business operations
  • Business permit and BIR registration
  • Bank statements or proof of sales for past 6 months
  • Valid ID of business owner

Provider contacts

Name
SB Finance Company, Inc.
Address
6776 Ayala Avenue, Makati City, Philippines
Reg. number
BSP-Supervised Finance Company
Website
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.