When building your small business, fresh capital is essential for growth—whether for equipment, property, or product expansion. BDO SME Loan offers flexible financing for Philippine SMEs.
Note: Always verify the latest terms on the official BDO website or branches, as rates, limits, and requirements change periodically. Data here reflects 2026 information from official sources.
BDO SME Loan Overview
BDO Unibank, the Philippines’ largest bank by assets (over ₱4 trillion as of recent reports), provides SME loans for working capital, equipment, and expansion.
Main products include:
- SME Term Loan: Fixed-amount loan for long-term needs like machinery or renovations. Up to ₱50 million, repayable up to 10 years.
- SME Ready Check: Secured revolving credit line (₱3-50 million) for ongoing needs. Use anytime, pay interest only on drawn amount; renewable up to 1 year.
Key Features
- Loan Amount: ₱1 million to ₱50 million (based on collateral value, up to 70% of real estate appraisal, cash flow, and purpose).
- Term: 1-10 years for term loans; revolving for Ready Check.
- Interest Rate: Starts at 7% p.a. (fixed initially, then repriced annually). Exact rates depend on credit profile—contact BDO for quotes.
Eligibility Requirements
For Individuals / Sole Proprietors
- 21-70 years old at loan maturity
- Profitable business for at least 2 years
- Minimum annual gross sales: ₱1 million
- Stable business/employment income
- Good credit standing
For Partnerships / Corporations
- Profitable for at least 2 years
- Minimum annual gross sales: ₱1 million
- Valid SEC/DTI registration
- Business in BDO serviceable area
- Good credit standing
Application Process
Apply online via BDO website (pre-qualification form), at any of 1,200+ BDO branches, or Loans Centers nationwide. Processing takes about 10 working days after complete documents.
Account officers provide guidance. Decision based on credit evaluation, collateral, and financials.
Required Documents
Pre-Approval (Basic)
- Filled application form
- Valid ID copy
- Latest 2 years ITR
- Marriage contract (if applicable)
Business/Income Documents
– **Employed:** COE, payslips, remittance proof (OFWs)
– **Sole Prop:** 2 years AFS, 6 months bank statements, DTI, Mayor’s Permit, supplier/customer list
– **Partnership:** SEC, Articles of Partnership, AFS, bank statements
– **Corporation:** SEC, Articles/By-laws, GIS, Board Resolution, AFS, bank statements
Collateral Documents
- TCT/OCT copy
- Tax Declaration
- Appraisal fee receipt
- Other: Lease contracts, insurance proofs (post-approval)
Post-Approval
- Original title and tax docs
- Insurance policies (mortgage redemption, fire)
- Bank charges payment
Pro Tip: Prepare digital copies for faster online submission. Collateral often required for larger amounts.
Next Steps
Visit BDO SME Loan page for pre-qualification or contact a branch. Compare with other lenders like BPI or SBTC for best rates.