Plug In, Play Smart, and Profit with Technology

Dear Ka-Negosyo,

Thank you. 

For the early mornings spent preparing inventory, materials, and equipment for the day ahead. The long hours meeting the needs of employees, customers, suppliers, or partners. The late nights reconciling accounts and balancing ledgers. The daily effort to honor commitments and run a business with integrity. The quiet sacrifices no one sees.

We see you. Others may call you a small business, but to us, you’re a big force of nature driving the Philippines forward.

This is your love letter. Not just to celebrate you, but to remind you: it’s time to invest in yourself. In today’s digital age, one of the most essential investments you need to make is in technology. It’s no longer just for big companies; it’s vital for SMEs like you. The right tools help you respond faster to challenges, serve customers better, and reclaim your most precious resource: time. So you can focus on what you do best—dreaming, creating, and building relationships.

Every business is different, but the right technology can meet you where you are. Whether you’re streamlining operations, building customer loyalty, or preparing to scale, here’s how tech can support your goals: 

Want to save time?

• Point-of-Sale (POS) Systems help you track sales and inventory in real time, reducing manual work and improving decision-making. 
• Automation Platforms let you set up workflows that handle repetitive tasks—like sending order updates or syncing customer data—so you can focus on growth. 
• Digital Procurement Tools streamline supplier sourcing and expense tracking, helping you avoid delays and overspending. 

Want to protect your business? 

• Cybersecurity Tools shield your business from the rising number of digital threats targeting SMEs, keeping customer trust intact.  
• Cloud-Based Accounting Systems organize your finances and reduce errors, giving you peace of mind. 
• AI-powered Chatbots and Auto-Replies keep your business responsive even after hours, handling inquiries and orders while you rest. 

Want to make customers happy? 

• Digital Payment Options offer fast, secure, and cashless transactions, making every purchase smooth and professional. 
• Instant Messaging Tools like auto-replies or chatbots help you respond quickly on social media, boosting customer satisfaction. 
• Customer Management Systems help you understand buyer behavior, personalize offers, and build loyalty. 

Want to grow? 

• Online Selling Platforms expand your reach beyond your neighborhood and keep your store open 24/7. 
• Digital Learning Platforms upskill and empower your team, inspiring creativity and innovation. 
• New Machinery and Equipment increase production capacity, improve product quality, and reduce manual labor, especially when paired with smart monitoring tools. 

And as you explore new tools and platforms, you might ask: Can I afford this? Is now the right time to upgrade? Will this investment really help me grow?

That’s where thoughtful financing comes in. BPI’s Ka-Negosyo Loans are designed with SMEs in mind, offering flexible options for working capital, equipment upgrades, or digital transformation. Whether you’re expanding your store, upgrading your systems, or simply preparing for what’s next, support is within reach.

As your business grows, so do the demands on your time, your finances, and your decisions. That’s why BPI offers digital platforms built especially for SMEs—to help you stay in control, wherever your day takes you.

Ka-Negosyo On the Go is your mobile gateway to business financing. With just a few taps, you can:

• Apply for loans anytime, anywhere
• Track your application status
• Receive business tips and updates
• Access financing tailored to your goals

Whether you’re looking for working capital, upgrading equipment, or investing in digital tools, Ka-Negosyo On the Go makes financing simple, accessible, and hassle-free.

BPI BizLink, on the other hand, helps you manage your business finances with confidence and flexibility. It’s a secure online banking platform that lets you:

• Monitor cash flow in real time
• Transfer funds and pay suppliers
• Pay government dues and contributions for SSS, BIR, PhilHealth and Pag-IBIG

• Pay to over a thousand billers available

• Schedule recurring payments

• Access transaction history anytime, anywhere

You can also upgrade your BizLink package with Pay Employees, BPI BizLink's payroll facility to credit employee salaries faster, with improved processing speed and reliability. 

No need to step away from your operations. BPI BizLink keeps you connected and in control.

Together, these platforms aren’t just tools. They’re your everyday partners in growth, built to support your hustle and your vision.

Quick Tech Readiness Checklist

As you take the next step, ask yourself:

• What’s slowing me down?

• Which tools could help me grow?

• Can I afford it—or get financing?

If you’re unsure, we are here to help, with tools and support designed for SMEs like you.

With admiration, 

BPI Business Banking