SB Finance Business Loan – review 2026
Pros
- More flexible income documentation than a typical commercial bank SME loan
- Terms from 6 to 48 months suit both short-cycle and longer financing needs
- Backed by Security Bank Corporation as a BSP-supervised finance company subsidiary
- Accessible through branches and accredited agents for in-person support
Cons
- Monthly rates of 1.79% to 3.50% are higher than a large commercial bank's SME term loan pricing
- Loan ceiling of PHP 2,000,000 is modest for larger business expansion needs
- Accredited agent network may be smaller than a major bank's own branch footprint
SB Finance Company, a BSP-supervised finance company and subsidiary of Security Bank Corporation, offers 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 is positioned for micro and small enterprises such as sari-sari stores, transport operators and service businesses that need accessible financing with more flexible income documentation than a commercial bank typically requires.
Who it suits
Very small, often informally structured businesses that cannot meet a commercial bank's full documentation standard but can still demonstrate consistent income are the core audience. The shorter minimum term of 6 months also makes the product useful for businesses seeking short-cycle working capital rather than long-term financing.
Applying and repayment
Applications are processed through SB Finance branches and accredited agents, with simplified documentation requirements compared with a full commercial bank SME application. Approved loans are disbursed to the business owner's account, with repayment following the monthly schedule for the agreed 6-to-48-month term.
Requirements
- Operating Philippine micro or small business, including sari-sari stores and service providers
- Business permit or equivalent proof of business operation
- Evidence of consistent income such as sales records or bank deposits
- Valid government ID of the business owner
- Minimum length of business operation as required by SB Finance
Provider contacts
- Name
- SB Finance Company, Inc.
- Address
- 6776 Ayala Avenue, Makati City, Philippines
- Reg. number
- BSP-Supervised Finance Company
- Website
- https://www.sbfinance.com.ph
- 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.