Read this before applying for an SME Business Loan:
- If you have a credit card, you should apply for a Personal Loan here: Personal Loan
- If you have a vehicle that is paid off or partially paid off, you might want to consider applying for a Car Equity Loan here: Car Equity
- There is more information at the bottom of this page to help you make your decision for which business loan type to apply for. Applying in the form on this page leads to our banks that offer shorter term non-collateralized loans.

1. Your monthly business income must be higher than P100,000
2. You must show that your bank account has maintained a balance of P100,000

Purpose of loan?

City of ther property?

What is the desired loan amount?

Description of business?

Enter Total Monthly Income

First Name

Middle Name

Last Name


Cellphone Number

Home Landline

Email Address


Will I Qualify?

Just a few more questions to help determine which bank will qualify you:


Marital Status

Years in Current Job

Employment Status

Job Industry

Job Title

Do you plan to apply with a co-borrower? If you are married, click "YES"


Co-Borrower Gross Monthly Income

Co-Borrower Job

Co-Borrower Years in Current Job?

Do you have a valid credit card for over 12 months?

Own a home?

Own a fully paid car?

Best time to Call? Mobile or LL? Prefer Email/SMS?



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Business Loan

The different options for SME Business Loans in the Philippines

Business Loans for SME's (Small to Medium Enterprises) are the most work in terms of paperwork and requirements. This makes sense because small businesses pose the most risk for banks in terms of lending. Our basic recommendation is the following: If you plan to take a loan, make sure your company papers show that you are making profit. Also, apply for a credit card, use it, but keep the balance at zero so that you don't incur the high interest rates. A good indicator of your budgeting skills as a business owner in the Philippines is a credit card. Also, this will allow you to apply for a Personal Loan as a business owner. Read more »

Basic Requirements & Documents


- Your business has been operational for 2 years, with positive income for at least 1 year
- Personal Loan Size: P20,000 up to P1,000,000 but can go higher if your business is large
- Min: 21 yrs old Max: end of loan term earlier than 65th birthday
- Good credit standing: no historical defaults
- Available for most major Philippines cities, but the offering changes by location
- OFW's: You can apply, but you'll need a co-borrower living in the Philippines, and you'll need to sign in person unless you assign Power of Attorney.

Supporting Documents:

- Government issued ID: Passport, Driver's license, etc
- 6 months bank statements
- Income Tax Return (ITR)
- Latest Credit Card statement (if you have a credit card)
- DTI/SEC Registration
- Audited financial statements
- Trade References (depends on the bank)