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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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16 companies to compare

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Advance

Working Capital Credit Line

Finance company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Business assessment

A business credit facility for cash-flow needs. Confirm the specific facility, pricing and drawdown conditions.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Asialink Finance

Business Loan for Doctors

Finance company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Eligible medical professionals

A specialist facility for medical professionals. Confirm professional credentials, permitted business purpose and the complete payment schedule.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Asialink Finance

WAIS Loan

Finance company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Eligible women entrepreneurs

A programme for women entrepreneurs. Ask about business eligibility, security, fees and current availability.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Loan amountFrom ₱1,000,000
TermTerm loan: up to 10 years
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Business and collateral assessment

A secured business facility. Confirm the required collateral, its valuation, loan-to-value limit and the permitted use of funds.

Requirements & eligibility

Eligibility

  • 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.

Amount conditions: Term loan from ₱1m, Ready Check from ₱3m. Up to 70% of appraised collateral value.

Income basis: Business threshold is ₱1m annual SALES, not personal monthly income.

Source discrepancy: BDO’s page displays both ₱20m and ₱50m maximums. Confirm the current facility limit, no single peso maximum is used in filtering. Ready Check is a renewable one-year credit line, not a ten-year installment loan.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Business assessment

Business funding for short-term operational needs. Ask which facility, drawdown and interest-payment terms apply.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
BDO Network Bank

Negosyante Check

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Business assessment

A revolving business facility using a checking account. Minimum-payment and principal-repayment rules differ from a fixed installment loan.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
BDO Network Bank

Negosyante Loan

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Business assessment

Business funding for qualifying small enterprises. Confirm operating history, cash-flow assessment and the full payment schedule.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
BPI Direct BanKo

NegosyoKo Loan

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Microbusiness assessment

Business finance for self-employed microentrepreneurs. Confirm business documents and the repayment schedule with BanKo.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Cebuana Lhuillier

MicroBiz Loan

Finance company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Business assessment

Small-business funding described by Cebuana Lhuillier. Confirm the contracting lender, collateral and total repayment for the offered facility.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
China Bank Savings

SME Biz Loan

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Business assessment

SME facilities include term and working-capital finance. Facility type and collateral affect the quotation.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
China Bank Savings

SmallBiz Loan

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Business assessment

SmallBiz includes term-loan and credit-line arrangements. Match the drawdown and repayment structure to business cash flow.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Esquire Financing

Business Loan

Finance company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Business assessment

Business finance with post-dated-check repayment. The provider explicitly distinguishes its service from personal loans.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
First Circle

Business Credit Line

Finance company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Business assessment

Revolving working-capital finance for eligible businesses. Borrowing costs depend on actual drawdowns and their duration.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
First Circle

Business Credit Plus

Finance company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Business assessment

A longer-tenor business credit-line option with published 13–24 month loan periods. Confirm your available drawdown terms.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
GoTyme Bank

Merchant Cash Advance

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Partner merchants

Funding for eligible merchants on partner platforms. Repayment is connected to business receivables, it is not an ordinary monthly personal loan.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Maybank

Retail SME Loan

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

Maybank lists retail SME financing. Business cash flow, security and intended use determine the proposed facility.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

Business funding is listed in PNB’s product directory. The facility, collateral and repayment structure depend on the business assessment.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Loan amountConfirm your limit
Term1–7 years
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Business and collateral assessment

A business term loan secured by qualifying property or deposits. Minimum amounts differ by collateral and release may be staged.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Radiowealth Finance

Vehicle & Equipment Financing

Finance company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Asset and business assessment

Financing for vehicles and equipment. Confirm asset eligibility, deposit and the repayment structure for your business.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Security Bank

Business Express Loan

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Business assessment

Business financing for short-term needs. Business records and repayment capacity affect the available offer.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Small Business Corporation

Enterprise Rehabilitation Financing

Government
Loan amountUp to ₱300,000
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Programme assessment

Rehabilitation funding for qualifying businesses. Confirm covered events, programme availability and existing-loan conditions.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Small Business Corporation

Purchase Order Financing

Government
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Eligible MSMEs

Short-term finance for qualifying purchase orders. The programme requires an operating and purchase-order delivery history.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Small Business Corporation

RISE UP Multi-Purpose Loan

Government
Loan amountUp to ₱20,000,000
TermMicro up to 36 months, SME up to 60
Published rate8–12% annuallySuki 8–12%, micro/first-time SME 12%, diminishing balance
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Eligible MSMEs

MSME financing with sub-programmes for new and existing borrowers. Business history and programme rules determine eligibility.

Requirements & eligibility

Eligibility

  • 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.

Amount conditions: Micro maximum ₱300,000. SME maximum ₱20 million, collateral-free limits differ (₱3 million first-time SME, ₱5 million Suki).

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

Published processing fee 3%, DST is additional. Security and final terms depend on the specific programme.

Visit company website Quote required
Small Business Corporation

RISE UP Tindahan

Government
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Accredited supply chain

For eligible businesses in an accredited food manufacturer or supplier’s value chain. Ordinary personal borrowers do not qualify.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required

What could the repayments look like?

Try different amounts, repayment periods and interest rates in the loan payment calculator. It is an independent example, not this company’s quote. A longer term can lower each payment while increasing total interest.

Already know your monthly budget? Estimate an amount you could plan around. For an actual offer, include its fees and payment schedule.

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. Rates, fees, limits and requirements can change after our review, Pesopal’s figures are a comparison starting point, not a binding quote.

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