SME Term Loan
A loan ideal for working capital financing, supplier payments, inventory or equipment purchase, capital expenditures and expansion.
Learn more
Maximum of 5 years
Loan Amount
Minimum of Php 300,000
Real estate mortgage, deposit, or investment

Get your application approved in a timely manner.


These financial solutions are tailored to your business needs.


Minimal documents are required.

Quick guide

How to apply for an SME Term Loan

You can apply through the following channels:

a. You may visit any BPI branch.
b. Call us at (02) 7918-2000, press 2 for Business loans or;
c. Email us at bbclientservices@bpi.com.ph

BPI Bizlink
A one-stop digital platform for your everyday business transactions.
Laern more
Frequently asked questions

How do I know if I’m eligible to apply for an SME Term Loan?

To apply for an SME Term Loan, you must meet the following criteria:

Filipino citizen
2. At least two (2) years in present / immediately preceding residence
3. At least 21 years old but not more than 70 years old at the time of loan maturity
4. At least three (3) years of business operations

What are the requirements to apply for an SME Term Loan?

For sole proprieters and individuals

a. Duly accomplished application form
b. DTI Registration/Business Permit
c. Borrower’s ID
d. Spouse’s ID (if applicable)
e. Last 3 months bank statement (BPI and/or other banks)
f. Latest Income Tax Return for the last 3 years

For partnerships and corporations

a. Duly accomplished application form
b. SEC Registration
c. General Information Sheet
d. Articles of Incorporation/Partnership including amendments (if any)
e. By-Laws including amendments (if any)
f. IDs of majority shareholders/authorized signatories (photocopy)
g. Last 3 months bank statements (BPI and/or other banks)
h. Income Tax Return (ITR) for the last 3 years 
i. Annual Financial Statements for the last 3 years  

How much is the processing fee?

The processing fee is Php 3,500.

Who do I contact if I have questions about SME Term Loan?

We have a dedicated customer service team for our SME clients. You may call us at (02) 7918-2000, press 2 for Business Loans, or email us at bbclientservices@bpi.com.ph.

SME Credit Line
A credit line facility to finance on the spot, unplanned expenses to bridge working capital requirements for your business.
Learn more
Related information