Business Express Loan

A fast and hassle-free business loan for your company’s growing needs. No need for a collateral!

No collateral required

No collateral required for loans up to PHP7,500,000.

Hassle-free

Minimal application requirements – no application fee required.

Fast approval

Enjoy seamless processing & approval in as fast as 5 days.

Auto-crediting

Loan proceeds are auto-credited upon disbursement of funds.

What is Business Express Loan?

Our SME Business Loan is perfect for businesses looking to finance short term needs—whether it’s equipment, office spaces, or cash for day-to-day operations. With minimal documentary requirements, fast approval and auto-crediting of funds, this business loan is tailor-fit to the growing needs of your business.

Loan rates*

Term Rate
12 Months 1.30%
18 Months 1.40%
24 Months 1.70%
36 Months 1.75%

*Applicable rates when bundled with an FWD Group Credit Life Insurance

Loan overview

Minimum loan amount

PHP500,000

Maximum loan amount

PHP7,500,000

Loan payment term

12, 18, 24, or 36 months

Fees and charges

Processing fee PHP3,000
Notarial fee for Sole Proprietorships PHP400
Notarial fee for Partnerships and Corporations PHP800
DST Approved Loan Amount / 200 * 1.50
Late Payment Fee

3% of unpaid amortization

Eligibility requirements

  • The businesses to which the loan will be applied for must meet the following criteria:
    • Duly registered to operate as a business in the Philippines;
    • Must have been operating for at least 3 years, and profitable for the latest 1 year.
    • Must have no outstanding debt that exceeds 40% the company’s monthly income
  • Each SME loan must be tied to the business’ primary owner; for partnerships/corporations, this means:
    • Owner with simple majority (individual with the single largest stake in the company) must provide details and sign off on the loan application form, and ultimately be the signatory in the surety agreement prior to loan booking
    • If simple majority is shared across multiple owners, only (1) of them is required to sign off on the loan
  • Identified business owners will then be required to have:
    • An existing account with Security Bank (at least 6 months old with PHP 50K ADB) OR Existing credit card (any bank; credit card number/s must be provided in application)
    • Permanent residency in the Philippines;
    • At least 21 years of age at the time of application and not more than 65 years of age upon maturity of the loan

Documentary requirements

Sole Proprietorship

  • Signed and Completed Application Form
  • Copy of 2 valid IDs with photo from primary applicant / owner / authorized signatory
  • Latest ITR with BIR stamp
  • Latest (1) year Audited Financial Statements
  • Valid DTI Registration docs
  • Latest 6 months bank statement
  • List of customers/suppliers and details about their dealings
  • Valid Business or Mayor’s Permit

Partnership/Corporation

  • Signed and Completed Application Form
  • Copy of 2 valid IDs with photo from primary applicant / owner / authorized signatory
  • Latest ITR with BIR stamp
  • Latest (1) year Audited Financial Statements
  • Valid DTI/SEC Registration documents and GIS
  • Latest 6 months bank statement
  • List of customers/suppliers and details about their dealings (The following documents will be required by the bank prior to loan booking:
  • Partnership / Board Resolution (authorizing signatory for accounts and loan, credit investigation on both the business and owners)
  • Continuing Suretyship Agreement (for corporations) Client will be given templates at point of application to prepare for the loan decision )
  • Valid Business or Mayor’s Permit

Ready to start your business loan application?

Apply online nowInquire now

Hear from our clients

“Thank you Security Bank for helping us grow. Approval was fast and I would also like to commend Ashley/Jen. They assisted us all the way and were very kind."

Alibasher
MARALI ENTERPRISE

“We tried applying online to see how the rates are. At first, we weren’t feeling hopeful but we were given competitive rates and the loan officer was accommodating. Best part? Application to booking was done in a little over 2 weeks!”

Vanessa
JOSHUA GUMMIES AND SWEET TREATS DISTRIBUTION

Frequently asked questions

How can I apply?

You can apply through:

How will I be notified of approval?

You will receive an SMS upon loan approval and a SPOC will reach out to you to set a booking appointment in the branch.

How will I receive loan proceeds?

Upon booking, loan proceeds will be credited directly to your identified account. If you do not have a Security Bank CA/SA account at point of booking, you will have to open an account with the branch.

What are the modes of payment?

All Business Express Loans (BEL) monthly amortizations will be collected either via the Auto-Debit Arrangement (ADA) from their nominated or identified Security Bank deposit account for New-To-Bank (NTB) clients.

Can the loan be pre-terminated?

Yes, the loan can be pre–terminated the loan but there will be a processing fee equivalent to 3% of remaining principal balance plus unpaid interest for the month that shall be applied to your account.

Can I re-avail of a loan?

Loans can be re-availed as long as half of the balance of the original loan term has been paid, and there has been no record of missed payments. Example: Original loan term is for 12 months and amortizations have been paid for 6 months already, client can apply for re-availment. Upon booking, the previous loan balance will be deducted from the proceeds of the new loan.

Can I avail of two business express loans at the same time?

Borrower cannot avail two separate loans at the same time. At least half of the term for the existing loan must be paid off first before they can apply for another loan.

Search

AllHome - Agro
AllHome - Antipolo
AllHome - Bacolod
AllHome - Bataan
AllHome - Butuan
AllHome - Cabanatuan
AllHome - Cauayan
AllHome - CDO
AllHome - Cebu
AllHome - Dasmariñas
AllHome - Evia
AllHome - Gapan
AllHome - General Santos
AllHome - General Trias
AllHome - Global South
AllHome - Iloilo
AllHome - Imus
AllHome - Kawit
AllHome - Koronadal
AllHome - Las Piñas
AllHome - Libis
AllHome - Malolos
AllHome - Mintal
AllHome - Naga
AllHome - North Molino
AllHome - Pampanga
AllHome - QC
AllHome - QuickFix Camella East
AllHome - QuickFix Farm
AllHome - QuickFix M1 Annex
AllHome - QuickFix Masibay
AllHome - QuickFix Springville
AllHome - QuickFix Symphony
AllHome - QuickFix Venezia
AllHome - Salawag
AllHome - San Ildefonso
AllHome - Santiago
AllHome - Shaw
AllHome - Silang
AllHome - SJDM
AllHome - South Molino
AllHome - Sta. Maria
AllHome - Sta. Rosa
AllHome - Sto. Tomas
AllHome - Taguig
AllHome - Tanza
AllHome - WCC
AllHome - QuickFix Citta Italia

  • Aerophone - Ayala Center Cebu
  • Aerophone - Cybertech Quezon City
  • Aerophone - SM Cebu
  • Aerophone - SM Manila
  • Aerophone - SM San Lazaro

This will close in 0 seconds

  • CYA Industries Inc - Bacolod
  • CYA Industries Inc - CDO
  • CYA Industries Inc - Cebu
  • CYA Industries Inc Showroom - Shangrila
  • My Homedepot - Baliuag Tangos
  • My Homedepot - Alabang Zapote
  • My Homedepot - Angono
  • My Homedepot - Barrera
  • My Homedepot - Batangas
  • My Homedepot - Cabanatuan
  • My Homedepot - Calapan
  • My Homedepot - Caloocan
  • My Homedepot - Candelaria
  • My Homedepot - Candon
  • My Homedepot - Daet
  • My Homedepot - Dasma
  • My Homedepot - Fairview
  • My Homedepot - Guagua
  • My Homedepot - Gumaca
  • My Homedepot - Iba
  • My Homedepot - Imus
  • My Homedepot - Los Banos
  • My Homedepot - Malasiqui
  • My Homedepot - Marikina
  • My Homedepot - Mayapyap
  • My Homedepot - Nayon Nova
  • My Homedepot - Niog 3
  • My Homedepot - Novaliches
  • My Homedepot - Pasong Putik
  • My Homedepot - Olongapo
  • My Homedepot - Palanginan
  • My Homedepot - Pilar
  • My Homedepot - Paranaque
  • My Homedepot - Pulilan
  • My Homedepot - Roxas
  • My Homedepot - San Jose
  • My Homedepot - San Marcelino
  • My Homedepot - San Rafael
  • My Homedepot - Santiago
  • My Homedepot - Silang
  • My Homedepot - Sorsogon
  • My Homedepot - Sta Cruz
  • My Homedepot - Tarlac
  • My Homedepot - Taytay
  • My Homedepot - Urdaneta

This will close in 0 seconds

  • Petbuddy Antipolo
  • Petbuddy Bataan
  • Petbuddy Dasmariñas
  • Petbuddy Evia
  • Petbuddy Malolos
  • Petbuddy North Molino
  • Petbuddy South Molino
  • Petbuddy Springville
  • Petbuddy Sta. Rosa
  • Petbuddy Taguig

This will close in 3 seconds

  • Allbikes Evia
  • Allbikes Sta Rosa

This will close in 0 seconds

  • Allsports Bataan
  • Allsports Evia
  • Allsports Malolos
  • Allsports Nomo
  • Allsports Sjdm
  • Allsports Taguig
  • Alltoys Bataan
  • Alltoys Evia
  • Alltoys Malolos
  • Alltoys Nomo
  • Alltoys Sta. Rosa
  • Alltoys Taguig

This will close in 1 seconds

  • Finds - Bataan
  • Finds - Dasmarinas
  • Finds - General Trias
  • Finds - Iloilo
  • Finds - Las Pinas
  • Finds - Malolos
  • Finds - Naga
  • Finds - NOMO
  • Finds - Shaw Blvd.
  • Finds - SJDM
  • Finds - Sta.Rosa
  • Finds - Taguig

This will close in 0 seconds

  • Market Liberty - Evia

This will close in 0 seconds

  • No Name - Bataan
  • No Name - Dasmarinas
  • No Name - Pampanga
  • No Name - Sta. Rosa

This will close in 0 seconds

  • The Athlete'S Foot - Bataan
  • The Athlete'S Foot - Evia
  • The Athlete'S Foot - Sta Rosa

This will close in 0 seconds

  • Pull And Bear - Cebu
  • Pull And Bear - SM Megamall
  • Pull And Bear - Trinoma

This will close in 0 seconds

  • Zara - Cebu
  • Zara - Glorietta
  • Zara - Greenbelt
  • Zara - SM Megamall
  • Zara - SM Mall of Asia
  • Zara - ONE BHS, BGC
  • Zara - Rockwell
  • Zara - Shangrila
  • Zara - Trinoma

This will close in 0 seconds

  • Massimo Dutti - Greenbelt 5
  • Massimo Dutti - Rockwell

This will close in 0 seconds

  • Bershka - Cebu
  • Bershka - Glorietta
  • Bershka - Megamall
  • Bershka - Mall of Asia
  • Bershka - Shangrila

This will close in 0 seconds

  • Stradivarius - SM Aura
  • Stradivarius - Glorietta
  • Stradivarius - Megamall
  • Stradivarius - Shangrila

This will close in 0 seconds

  • Mandaue Foam - Butuan
  • Mandaue Foam - Cebu
  • Mandaue Foam - Banilad
  • Mandaue Foam - Bohol
  • Mandaue Foam - Cebu
  • Mandaue Foam - Quimpo
  • Mandaue Foam - Shaw Blvd.
  • Mandaue Foam - (Philfoam) Cainta, Rizal
  • Mandaue Foam - (Philfoam) Las Pinas
  • Mandaue Foam - (Philfoam) Lipa, Batangas
  • Mandaue Foam - (Philfoam) Quezon Avenue

This will close in 0 seconds

  • Our Builders Warehouse - Bocaue
  • Our Builders Warehouse - Guiguinto
  • Our Builders Warehouse - Mabalacat
  • Our Builders Warehouse - Malolos
  • Our Builders Warehouse - Tagaytay
  • Our Builders Warehouse - Dasmarinas

This will close in 0 seconds

  • 158 Designers Blvd - Pasay

This will close in 0 seconds

  • Anne Klein - Rockwell

This will close in 0 seconds

  • Armani Exchange - Rockwell

This will close in 0 seconds

  • Bobbi Brown - SM Mall of Asia

This will close in 0 seconds