No collateral required
No collateral required for loans up to PHP7,500,000*.
*conditions apply.
Hassle-free
Minimal application requirements.
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 Business Express Loan or BEL is designed to support your business’s short-term financial needs with ease and efficiency. With minimal paperwork, fast approval, and direct fund disbursement, getting the financial boost you need has never been simpler.
Perfect for financing:
- Equipment Purchases – Upgrade or expand your operations with the right tools.
- Office Space Expansion – Move into a new space or enhance your existing work environment.
- Day-to-Day Operations – Keep your business running smoothly with cash flow flexibility.
Whether you’re expanding, upgrading, or simply maintaining steady operations, our SME Business Loan is tailored to help your business grow—on your terms.
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 |
Loan overview
Minimum loan amount
PHP500,000
Maximum loan amount
PHP7,500,000*
*conditions apply
Loan payment term
12, 18, 24, or 36 months
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
Hear from our clients
Frequently asked questions
How do I know if I’m eligible to apply for this loan?
You are eligible to apply for this loan facility if your business is a duly registered entity, such as a single proprietorship, partnership, or corporation.
How can I apply for the loan?
- You can apply online via Online Application Form; or
- You may visit any branch near you
What are the pre-approval 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
How long will it take for my loan to be approved?
Loan approval typically takes 5 to 7 business days depending on the completeness of your submitted requirements and application. We aim to process all applications as quickly and efficiently as possible.
How can I receive the loan proceeds?
Once your loan is approved and booked, the loan proceeds will be automatically credited to your nominated Security Bank deposit account.
If you do not currently have a Security Bank checking or savings account at the time of your application, you can easily open a Business Plus Account at any Security Bank branch to ensure smooth and timely crediting of funds.
Click here to read more about BusinessPlus and our other deposit products.
How can I repay my loan?
All Business Express Loan (BEL) monthly amortizations will be automatically collected through the Auto-Debit Arrangement (ADA) from the client’s nominated or identified Security Bank deposit account for hassle-free, on-time payments.
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.
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