Ang Negosyo ay Weather Weather Lang

Here's how to keep your business growing, rain or shine.

Insights and blogs

Aug 08, 2025

Typhoon season is a familiar challenge for many SMEs in the Philippines. It’s a time when disruptions to supply chains, operations, and finances become an all-too-common reality. Typhoons result in billions of pesos in economic losses every year, with SMEs being particularly vulnerable. Limited financial resources make it harder for smaller businesses to bounce back from supply chain disruptions or operational downtime.

Given these challenges, proactive financial planning is key to survive and thrive during typhoon season. So, how can you ensure your business stays strong even during these times? Let’s explore how BPI Ka-Negosyo Loans can help you weather the storm!

1. Upgrade Infrastructure for Weather Resilience

Your business space does more than house your operations; it shields your assets, keeps things running, and helps you recover faster when disasters strike. By reinforcing your roof, improving drainage, or upgrading storage areas, you’re not just protecting your investment, you’re also preparing to serve your customers even when the weather gets rough. Pair those upgrades with backup power sources like generators or solar panels, and you’ll be ready to operate even during blackouts.

The good news? You don’t have to stretch your budget to make it happen. A Ka-Negosyo SME Loan (KSL) gives you the financial lift to invest in these storm-ready upgrades without hurting your cash flow. KSL offers flexible payment terms—monthly installments that can stretch over a longer period to suit your needs. It’s a practical way to build a stronger, more resilient business while managing costs.

2. Strengthen Supply Chain Resilience

Typhoons threaten supply chains, and diversifying your suppliers, pre-stocking inventory, and enhancing logistics systems are smart and strategic moves that keep your operations steady. But while these preparations are crucial, they often require additional resources and capital that many small businesses may not have.

That’s where BPI Ka-Negosyo Loans come in. You can explore the Ka-Negosyo Ready Loan (KRL) which allows you to stock up on supplies and inventory during rainy or typhoon seasons, or investing in better transportation and delivery solutions. This loan gives business owners the flexibility to focus on growth and maintain sales, even during challenging times. With a shorter repayment period, it’s ideal for those with cyclical funding needs, ensuring that you can repay it from a quicker conversion or business cycle.

Creating robust processes for disaster readiness is essential for ensuring your business can bounce back quickly after unexpected events.

3. Enhance Processes for Disaster Readiness

Creating robust processes for disaster readiness is essential for ensuring your business can bounce back quickly after unexpected events. With a well-crafted disaster recovery plan in place, your team will know exactly how to respond in an emergency, minimizing downtime and keeping operations on track.

The Ka-Negosyo SME Loan for Property Acquisition offers a convenient solution not just for acquiring new properties, but also for renovations or upgrades to your existing space. This ensures your business is better equipped to handle future challenges. This loan allows business owners to invest in properties with payments spread over a long period, making it easier to manage costs while the property generates profits for the business.

4. Protect Your Bottom Line

How will you cover your operational costs if a typhoon disrupts your business? While insurance can help with physical damages, you still need to manage ongoing expenses like employee salaries, rent, and utilities during recovery.

For those recurring business expenses, the Ka-Negosyo Credit Line (KCL) is the perfect solution for you. Think of it as an extended wallet that gives your business the flexibility to seize opportunities or handle unexpected expenses at any time. With a stand-by checkbook, you can immediately pay for on-the-spot needs or emergencies, ensuring your business stays operational even during challenging times.

Staying Ahead: Prepare Today for a Stronger Tomorrow

Whether you’re looking for short-term cash flow to address urgent needs or long-term financing for major upgrades, Ka-Negosyo Loans offer flexible terms tailored to your business goals. You can just also apply anytime, anywhere through Ka-Negosyo On The Go, giving you quick access to the information and funding support you need to keep your business moving forward.