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SME Business Loans
Fuel your business expansion with loans designed for small and medium enterprises. Flexible terms, competitive rates, and fast approval.
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BSP-Supervised Rural Bank — Est. 1998
Smarter Banking.
Banking Without Boundaries.
The Bank Beyond.
One Bank. One Digital Ecosystem. A National Character.
26+
Years of Service
2,000+
Clients Served
50M+
Loans Released
About Philippine SME Bank
Rooted in Communities. Driven by Progress.
Philippine SME Bank is committed to supporting economic development by providing financial products and services responsive to the needs of individuals, entrepreneurs, and businesses, particularly in the countryside.
Empowering Countryside Development & MSMEs
We recognize the vital role of micro, small, and medium enterprises (MSMEs) in creating employment, strengthening local economies, and building resilient communities.
From agriculture and commerce to industry, housing, and business expansion, we aspire to help our customers access financial opportunities that support their goals. As banking continues to evolve, we combine our community-focused foundation with modern financial technology to make banking more accessible, efficient, and connected.
“We believe that when local enterprises grow, communities prosper—and when communities prosper, the nation moves forward.”
Philippine SME Bank, Inc.
BSP Regulated • PDIC Insured
1998
Founded in Cebu
50M+
Loans Released
2,000+
Clients Served
Strategic Vision
Enabler of the Future of Banking
Empowering countryside communities and MSMEs through accessible, sustainable solutions—evolving into a collaborative digital financial platform across the Philippines.
Purposeful Mission
Opportunities Closer to Every Community
Delivering accessible, responsible, customer-centered financial products supporting entrepreneurship, agriculture, industry, housing, commerce, and MSME growth.
Core Belief
No Community Left Behind
Strengthening countryside economies by embracing digital innovation, building meaningful relationships on trust, and ensuring businesses thrive together.
Community & Countryside Commitment
Banking That Moves Communities Forward.
At Philippine SME Bank, we believe that financial opportunity should extend beyond major cities and reach the communities, entrepreneurs, farmers, and businesses that drive our nation's progress.
We are committed to supporting micro, small, and medium enterprises through accessible financial solutions designed to encourage entrepreneurship, strengthen local industries, and create opportunities for sustainable growth.
Your Ambition. Our Commitment. A Stronger Tomorrow.
Entrepreneurs & MSMEs
Fast working capital and growth financing tailored for commercial ventures and regional business expansion.
Farmers & Agri-Producers
Specialized crop, livestock, and equipment credit programs strengthening agricultural productivity.
Countryside Communities
Extending financial opportunity and modern digital solutions to towns and provinces across the nation.
Our Products
Comprehensive Financial Solutions
Comprehensive Financial Solutions
Built for Your Needs
From flexible business loans to modern digital banking — we offer the right financial tools to help you grow, invest, and secure your future.
Microfinance Loans
Empowering micro-entrepreneurs and low-income households with accessible credit and financial literacy programs.
Learn MorePriority
Agricultural Loans
Supporting Filipino farmers and fisherfolk with affordable financing for production, equipment, and post-harvest activities.
View DetailsSavings & Deposits
Grow your money with our range of savings accounts, time deposits, and high-yield investment options. PDIC insured up to ₱500,000.
Open an AccountRemittance Services
Fast, secure, and affordable money transfer services for OFW families — domestic and international remittance at your fingertips.
Send MoneyNew
Online Banking / e-Services
Manage your accounts, pay bills, transfer funds, and apply for loans — 24/7, wherever you are, through our secure digital platform.
Get StartedInsurance Products
Protect your business, loan collateral, and family with comprehensive life, property, and micro-insurance solutions.
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Loan Calculator
Estimate Your Monthly Payments
Use our free loan calculator to get an instant estimate of your monthly amortization. No commitment required — just fill in the details.
Instant results — no sign-up required
Competitive interest rates starting at 0.8%/month
Flexible terms from 3 months to 10 years
Loan amounts from ₱10,000 up to ₱50 million
Loan Payment Estimator
₱10,000
₱5,000,000
3 months
10 years
Monthly Payment
₱23,536
Total Payment
₱564,864
Total Interest
₱64,864
Loan Amount
₱500,000
Trusted Since 1998
26+ years of serving Filipino communities with integrity and dedication
BSP
Supervised & Regulated
WHY PHILIPPINE SME BANK?
Local Understanding. Lasting Relationships. Forward-Looking Banking.
Community-Focused Banking
We recognize the unique financial needs and opportunities of countryside communities.
Commitment to MSMEs
We believe small and medium enterprises are essential to economic growth.
Responsible Financial Solutions
We seek to provide financing guided by prudent banking practices and customer needs.
Innovation With Purpose
We aim to embrace technology that improves accessibility, efficiency, and the banking experience.
Building for Tomorrow
Our ambition extends beyond serving today's financial needs toward developing a more connected and inclusive financial ecosystem.
Client Stories
What Our Clients Say
Real stories from Filipino entrepreneurs and families who have grown with Philippine SME Bank.
"Philippine SME Bank gave me my first business loan when no other bank would. Today, my restaurant has three branches. I owe it all to their trust and guidance."
"The agricultural loan I got helped me buy better farming equipment. My rice harvest doubled and now I can support my children's education comfortably."
"Their online banking platform is so easy to use! I can check my savings, pay my loan, and transfer money without visiting the branch. Perfect for busy professionals like me."