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

Company information

Name
SB Finance Company, Inc.
Address
6776 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.