Ka-Negosyo Credit Line

You can apply through the following channels:

a. Fill out our loan application form.
b. You may visit any BPI branch.
c. Call us at (+632) 7918-2000, press 2 for Business loans or;
d. Email us at bbclientservices@bpi.com.ph

To apply for a Ka-Negosyo Credit Line, you must meet the following criteria:

1. At least three (3) years of business operations

2. Filipino Citizen Ownership

3. Minimum 21 years old

For sole proprietor and individual:

a. Duly accomplished application form

b. DTI Registration/Business Permit

c. Valid Government Borrower's ID

d. Valid Government Spouse's ID (if applicable)

e. Latest 3 months bank statement (BPI and/or other banks)

f. Income Tax Return (ITR) for the last 3 years

g. Audited Financial Statements for the last 3 years

h. Collateral documents (if applicable) 

For partnership and corporation:

a. Duly accomplished application form

b. SEC Registration

c. Latest General Information Sheet

d. Articles of Incorporation/Partnership (including amendments, if any)

e. By-Laws (including amendments, if any)

f. Valid Government IDs of major shareholders/authorized signatories 

g. Latest 3 months bank statements (BPI and/or other banks)

h. Latest 3 years Income Tax Return (ITR) (if aggregate loan exposure is more than PHP 3,000,000)

i. Latest 3 years Audited Financial Statements (if aggregate loan exposure is more than PHP 3,000,000)

*This list is indicative only and non-exhaustive

The processing fee (one-time payment) is up to PHP 5,000. Annual fee is 0.5% of the approved loan amount, minimum of PHP 10,000 and maximum of PHP 50,000 per borrower.

The other fees include: 

• Documentary Stamp Tax (DST): PHP 1.50 for every PHP 200 loan amount
• Notarial fees: Range from PHP 100 to PHP 300 per document 
• Appraisal fee (if applicable): Fixed at PHP 7,500
• Succeeding checkbook fee: PHP 300 per booklet
• Debit card replacement fee (if applicable): PHP 200 

We have a dedicated customer service team for our SME clients. You may call us at (+632) 791-82000, press 2 for Business Loans, or email us at bbclientservices@bpi.com.ph.

BPI automatically collects 1% of your end-of-month principal outstanding balance plus your interest due every 5th day of the month. Please ensure that your BPI settlement account is sufficiently funded to avoid inconveniences.