Quick business loans in the Philippines

Personal business loan fast approval

Many people think about starting their own business. In fact, it’s not so difficult – just find what people need and make it. There is only one question – where to get money for the idea? Personal business loan will help you.

Citibank Philippines
(3,5/5) 163 voice
from to days
(3.7/5) 12 voice

JuanHand App

We lend our hand to save another Juan

PHP 2000 - 12000
from 91 to 180 days
interest rate
for 12% per day
Money Cat
(4,42/5) 243 voice

Money Cat

Fast, simple and safe

PHP 1000 - 20000
from 14 to 28 days
interest rate
for 2,5 per day
Online Loans
(4.61/5) 499 voice

Online Loans Pilipinas

Money in your pocket in minutes!

PHP 2000 - 20000
from 7 to 30 days
interest rate
for 1% per day
(4,79/5) 1597 voice

Robocash Ph

Free loan up to PHP 10 000, for each new client!

PHP 1 000 - 10 000
from 7 to 180 days
interest rate
for 0 % per day
(4,8/5) 25 voice


Only 4 steps to get a loan

PHP 1000 - 20000
from 90 to 180 days
interest rate
for 0.03 per day
(4.32/5) 268 voice


Get financing for whatever you need now

PHP 2000 - 20000
from 61 to 90 days
interest rate
for 0,8% per day
(3.98/5) 435 voice


The most convenient loan!

PHP 2500 - 15000
from 10 to 90 days
interest rate
for 0,83% per day
(3.81/5) 42 voice


Responsible Borrowing, Ethical Lending

PHP 10000 - 2000000
from 1 months to 36 months days
interest rate
for 0,26 per day
(4.73/5) 876 voice


Credit online!

PHP 3000 - 10000
from 5 to 30 days
interest rate
for 0,65% per day
My cash
(4.1/5) 557 voice

My cash

Urgent loans for all!

PHP 2000 - 25000
from 7 to 30 days
interest rate
for 0,8% per day
(4,41/5) 325 voice
PHP 5000 - 35000
from 90 to 365 days
interest rate
for 0,5 % per day
(3.59/5) 1324 voice


Cash Made Easy

PHP 5000 - 15000
from 7 to 35 days
interest rate
for 1% per day
Cash Mart
(4.33/5) 489 voice

Cash Mart

The most convenient loan!

PHP 5000 - 30000
from 7 to 30 days
interest rate
for 0,8% - 3,5% per day
Loan Load
(4.6/5) 627 voice

Loan Load

Round-the-clock loans in the Philippines

PHP 5000 - 50000
from 61 to 365 days
interest rate
for 2,3% per day
24 pera
(4,76/5) 854 voice

24 pera

Probability of approval is 95%!

PHP 1000 - 100000
from 61 to 365 days
interest rate
for 1,28% per day

Advantages of the personal business loan

The key advantage of getting money is the ability to start a favorite business that will only belong to you. Taking into account low interest rate, loyal terms of repayment to creditors, as well as rapid development of the Philippine economy, this opportunity should be used.

If you are thinking about starting your own business, then you definitely need to get a personal business loan as soon as possible. Nobody knows what will happen to the economy in the near future, because the current situation defies any logical explanation or forecasts. Getting a personal business loan now, you guarantee development and financial soundness in the future for yourself.

Online business loan calculator


Where is it better to take a personal business loan

There are few organizations that issue loans in the Philippines. In the absence of formal monopolization, the Philippine market is still not so rich in supply. Here you can find suggestions from both private creditors and government projects. Below, we are  considering the most popular organizations and programs that deal with the loans issue.


Personal loans in BPI can be either urgent or for a franchise business. The company requires a minimum family income of 50,000 pesos Filipino. BPI is the only bank in the country that deals with issuing personal loans for the franchise development. Conditions for issuing money for ordinary credit and for a franchise are significantly different.

Straight loans from BPI

Need a specific amount of funds for payments within a prescribed time  period?  BPI offer straight loans which may be short-term (payable within 365  days) or long-term (more than 365 days).

  • Short–Term Loan (STL)
  • Term Loan (TL)

BDO lending for small businesses

This organization issues from 1 to 20 million Philippine pesos for a personal loan with payment terms from 1 year to 10. The interest rate increases along with the loan term. The minimum rate is 8% for 1 year and 11% for a period of 6 to 10 years. Both property in the country and commercial property can be considered as a pledge.

Project Finance Loan

Project Finance Loan provides for financing of projects that depend on project cash flow as repayment.

Term Loan

A term loan may be medium term, which is to be paid within 1-3 years, or long term, paid over 3 – 5 years.

Working Capital Loan

Working Capital Loan is used to fund day-to-day needs of your company.

SME Loan

Turn your opportunity into reality and immediately respond to challenges. SME Loan can provide the financing you need to expand your business.

The Landbank OFW reintegration program (OFW-RP)

Landbank offers business loans for certain industries (agriculture, manufacturing, tourism). Among all the banks in the country, Landbank is the only one that offers a lending program (in partnership with the Welfare Administration for the Border or OWWA) exclusively for Filipino citizens working abroad (OFW) who want to build a business in their homeland as an alternative to earning abroad.

A program that will provide opportunities for OFWs to engage in business as alternative to overseas employment.

  • Eligible Borrowers. OFWs certified by OWWA on membership and capacity building program attende.
  • Eligible Projects. Viable projects that will generate a net income of at least equal to the poverty threshold set by NEDA.
  • Loan Purpose.
    • Working Capital.
    • Fixed Asset Acquisition.
  • Amount of Loan.
    • Minimum of P300,000.
    • Maximum of P 2 Million.
  • Term of Loan. Based on cash flow but not to exceed 7 years (inclusive of 2 years grace period).
  • Loan Security.

    • REM.
    • Chattel on Machinery & equipment.
    • Hold-out on deposit.
    • Deed of Assignment on inventory & receivable.

Loans from PSBank SME

PSBank offers two types of personal loans for small and medium-sized businesses in the Philippines: a credit line for small and medium-sized businesses and a loan for SMEs with Prime Rebate. Borrowers can receive discounts for early payments, making advances and depositing funds exceeding the amounts in the prescribed rules.

Government business loans

This option is ideal for companies whose assets do not exceed 3 million Philippine pesos. Usually these are small street shops or kiosks. The advantage of this program is low interest rates on payments. Small payment amounts can be considered as disadvantage. Sometimes it’s possible to get such loan without a guarantor. A very convenient system for those who are ready to develop a narrowly focused activity.

Program Pondo sa Pagbabago with Pag-asenso (P3)

The program “Pondo sa Pagbabago with Pag-asenso” (P3), was launched in early 2017. It is an affordable alternative to 5-6 modern credit schemes. The main objective of this program is to confront large companies have that monopolized the market. By this program, it’s not necessary to provide a deposit; all that is required of the borrower – a full package of mandatory documents.

Business Lending SSS

The Social Security System (SSS) offers four types of business loans for residents of the federation. Two of the proposed lending methods are applicable to start-ups: the Business Development Loan Facility (BDLF) and Access of Small Enterprises to Credit Opportunities (ASENSO). These credit systems are available for 60% of citizens who already have a business in operation, or just starting business.

Requirements for a personal business loan

Each credit institution sets unique requirements for borrowers, however, you can often find the following list of required documents:

  • passport;
  • certificate of income (if available);
  • tax returns;
  • permission for business;
  • information about property abroad;
  • an extract from the personal account;
  • a completed application form for a loan applying;
  • certificate of registration DTI / SEC.

Each credit institution reserves the right to require a different or additional list of documents.

How to get a personal business loan

The only way to increase the probability of loan obtaining is to provide original documents. Further the credit organization leaves the choice right for itself. If the company finds the candidate suitable, she will provide money. Otherwise, the applicant will receive a refusal as soon as possible. In this case it is recommended to apply to another organization.

Example of calculating interest and loan payments

TERM 10 days 20 days 30 days
LOAN AMOUNT 15000 PHP 15000 PHP 15000 PHP
FEE 1% 1% 1%
(4,48/5) 155 voice

Written by | Modified date: October 23, 2020

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