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Business & MSME loans

Compare small business loans and MSME financing for stock, equipment or working capital. Check trading-history requirements and plan repayments around your cash flow.

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A LITTLE ABOUT YOUR PLANS

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1 Your needs2 Your options
₱5,000₱5,000,000
3 months60 months

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YOUR STARTING POINT, MADE CLEARER

16 companies to compare

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We check your choices against published information. Missing terms still need confirmation, appearing here does not mean approval. How this works

BDO

SME Multipurpose Loan

Bank
Loan amount—from ₱1,000,000
Term120 months
Interest rate—
Monthly repayment—
Requirements & documents

Who can apply

  • Age 21–70 at maturity. Stable income, employed applicants ₱50,000 gross/month or business annual sales ₱1 million.
  • Real-estate collateral, business must be within BDO serviceable area.

Documents to prepare

  • Application, valid ID and marriage certificate if applicable. Employee: ITR/2316 or three months payslips, plus employment certificate.
  • Business: two years audited statements/latest ITR, six months bank records and registration. Property title and collateral records required.
Apply now
First Circle

Business Credit Line

Finance company
Loan amount₱25,000,000from ₱100,000
Term12 monthsfrom 1 month
Interest rate0.79%monthly
Monthly repayment—
Requirements & documents

Who can apply

  • Philippine-based business registered with BIR and DTI or SEC.
  • Philippine-resident applicant with government ID or Alien Registration Card.
  • B2B annual revenue from ₱1 million; B2C from ₱25 million with at least one year operating. Product eligibility is assessed by First Circle.

Documents to prepare

  • Government-issued ID
  • Latest financial statements or income-tax return
  • Three months of bank statements
  • Business registration and relevant corporate documents
Apply now
First Circle

Business Credit Plus

Finance company
Loan amount₱25,000,000from ₱1,000,000
Term24 monthsfrom 13 months
Interest rate1.29%monthly
Monthly repayment—
Requirements & documents

Who can apply

  • Philippine-based business registered with BIR and DTI or SEC.
  • Philippine-resident applicant with government ID or Alien Registration Card.
  • Annual business revenue of at least ₱5 million.

Documents to prepare

  • Government-issued ID
  • Latest financial statements or income-tax return
  • Three months of bank statements
  • Business registration and relevant corporate documents
Apply now
Small Business Corporation

RISE UP Multi-Purpose Loan

Government
Loan amount₱20,000,000
Term60 months
Interest rate8%yearly · reducing
Monthly repayment₱405,527.89
Requirements & documents

Who can apply

  • Micro variant: at least one year operating history. First-time SME variant: at least two years. Suki is for qualifying existing borrowers.

Documents to prepare

  • ID, appropriate permit/BMBE evidence, business photos, bank details and corporate records where applicable. First-time SMEs need two years of BIR-filed financial statements, Suki and secured requests have separate evidence rules.

Calculated example: ₱24,331,673.15 in scheduled repayments, before additional fees.

Apply now

Plan your repayments

Calculate payments →Check affordability →Compare written offers →
BEFORE YOU CHOOSE

What deserves a closer look

01

Choose the right structure

A revolving line, term loan and receivables advance have different repayment mechanics. Compare like with like.

02

Plan for quiet months

Test repayments against conservative cash flow after wages, supplies and operating expenses.

03

Check the access route

Government programmes may target specific business histories, suppliers, purchase orders or affected areas.

Your questions, answered.

Can I get a small business loan for a startup?

No. Some business loans require an established trading history, so a newly opened business may not qualify. Compare the operating-history requirements before gathering documents, and separate startup funding from loans intended for an existing business.

Is business turnover the same as income for a loan application?

No. Sales are revenue before expenses, profit and cash available for repayments are different. Do not enter turnover as personal monthly salary.

What does a lender need to understand my business?

Prepare registration, trading history and financial evidence. The required records vary with the programme and amount requested.

Must every business loan be secured by property?

No universal rule applies. Check whether the particular facility requires collateral, guarantees or other security before comparing it with an unsecured offer.

Can a business loan cover more than buying equipment?

Business finance may support working capital, equipment or other permitted expenses. Our comparison includes multipurpose options such as SBCorp RISE UP. Check whether the particular programme accepts your planned use and whether proof of spending is required.

Is a revolving business line the same as a term loan?

No. A term loan has a repayment schedule, a credit line permits borrowing under a limit and separate renewal rules.

How should a seasonal business assess repayments?

Compare due dates with expected cash receipts, including quiet months. A profitable year can still contain months without enough cash for an installment.

Are government business loans grants?

No. The government-backed loans in this comparison create repayment obligations. A grant is a different type of support. Check whether assistance must be repaid and include any loan payment in your cash-flow forecast.

Does Pesopal approve business loans or lend me money?

No. Pesopal compares business borrowing options and published information. The lender or programme administrator assesses your application and issues the offer. Changing our filters does not submit an application or guarantee eligibility.

What should I verify after comparing business options on Pesopal?

Check permitted use, security, fees and the repayment or collection schedule on the lender’s official website or app, then confirm your written offer.

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