Small and Medium Enterprises (SME) Loan

The SME Loan Program is a multi purpose loan package designed to cater to small and medium enterprises to be used for working capital or fixed asset acquisition available via term loan or credit line.

Product Features

Loan Amount The maximum loan amount for availment shall not exceed the Single Borrower's Limit of the Bank.
Loan term
  • For term loan: Maximum of three (3) years (Term of the loan shall be available at 6 months, 1, 2 and 3 years).
  • For Credit Line:One (1) year from approval date.
Repayment terms
  • For term loan: The loan shall be payable in equal monthly amortization thru postdated checks.
  • For credit line: Interest is paid at draw down date available via 90 to 360 day-PN.

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  • To provide a wider scale of lending opportunities to small and medium scale enterprises.
  • To promote and generate income and project opportunities for SME's.

Documentary requirements

  • Properly filled out Loan application form.
  • Audited financial statements/Income Tax Returns (ITR), Income statement and balance sheet.
  • Bank statements for the last 3 months.
  • Trade references - at least 3 major suppliers and 3 major customers with contac persons and tel.nos.
  • Business Registration Papers (Certificate of Business Registration DTI/SEC, Articles of Incorporation and By- laws.
  • Title and Tax declaration.