Business Express Loan

无担保,快速,无麻烦的商业贷款,以满足您公司不断增长的需求. No need for a collateral!

No collateral required

500万菲律宾盾以下的贷款不需要抵押.

Hassle-free

最低的申请要求-不需要申请费用.

Fast approval

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

Auto-crediting

贷款款项在支付款项时自动记入贷方.

What is Business Express Loan?

推荐正规买球平台的中小企业贷款非常适合寻求短期融资需求的企业——无论是设备, office spaces, or cash for day-to-day operations. With minimal documentary requirements, fast approval and auto-crediting of funds, 这种有担保的商业贷款是为您的业务不断增长的需求量身定制的.

Loan rates

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

Loan overview

Minimum loan amount

PHP1,000,000

Maximum loan amount

PHP5,000,000

Loan payment term

12, 18, 24, or 36 months

Fees and charges

Processing fee PHP3,000
Notarial fee for Sole Proprietorships PHP400
合伙及公司公证费 PHP800
DST Approved Loan Amount / 200 * 1.50
Late Payment Fee

3% of unpaid amortization

Eligibility requirements

  • 申请贷款的企业必须符合下列条件:
    • 在菲律宾正式注册经营企业;
    • 必须经营至少3年,最近1年盈利.
    • 必须没有超过公司月收入40%的未偿债务
  • Each SME loan must be tied to the business’ primary owner; for partnerships/corporations, this means:
    • 拥有简单多数股份的业主(在公司拥有单一最大股份的个人)必须在贷款申请表上提供详细资料并签署, 并最终在贷款预订之前在担保协议上签字
    • 如果简单多数在多个所有者之间共享, 他们中只有(1)人需要在贷款上签字
  • 经确认的业主须具备以下条件:
    • 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;
    • 在申请贷款时,申请人的年龄最少为21岁;在贷款到期时,申请人的年龄不超过65岁

Documentary requirements

Sole Proprietorship

  • Signed and Completed Application Form
  • 主申请人/业主/授权签署人的有效身份证件复印件及照片
  • Latest ITR with BIR stamp
  • 最近(1)年经审计的财务报表
  • Valid DTI Registration docs
  • Latest 3 months bank statement
  • 客户/供应商名单及其交易详情
  • Valid Business or Mayor’s Permit

Partnership/Corporation

  • Signed and Completed Application Form
  • 主申请人/业主/授权签署人的有效身份证件复印件及照片
  • Latest ITR with BIR stamp
  • 最近(1)年经审计的财务报表
  • 有效的DTI/SEC注册文件和GIS
  • Latest 3 months bank statement
  • 客户/供应商名单及他们的交易详情(银行在申请贷款前须提供以下文件:
  • 合伙/董事会决议(授权签署人的帐户和贷款, 对企业和业主进行信用调查)
  • 持续保证协议(适用于公司)客户在申请时将获得模板,以准备贷款决定)
  • Valid Business or Mayor’s Permit

准备开始您的商业贷款申请?

Apply online nowInquire now

Hear from our clients

“感谢安全银行帮助推荐正规买球平台发展. 审批很快,我也想表扬阿什利/珍. 他们一路帮助推荐正规买球平台,而且非常友好."

Alibasher
MARALI ENTERPRISE

“推荐正规买球平台试着在网上申请,看看费率如何. At first, 推荐正规买球平台当时不抱希望,但推荐正规买球平台得到了有竞争力的利率,信贷员也很随和. Best part? 预订申请在两个多星期内就完成了!”

Vanessa
约书亚软糖和糖果分发

Frequently asked questions

How can I apply?

You can apply through:

How will I be notified of approval?

贷款批准后,您将收到一条短信,SPOC将与您联系,在分行安排预约时间.

How will I receive loan proceeds?

预订后,贷款款项将直接存入您指定的帐户. 如果您在预订时没有证券银行CA/SA帐户, 你必须在这家分行开个帐户.

What are the modes of payment?

所有商业快线贷款(BEL)的每月分期付款将通过自动借记安排(ADA)从新到银行(NTB)客户的指定或指定证券银行存款推荐正规买球平台中收取.

Can the loan be pre-terminated?

Yes, 贷款可以提前终止,但将收取相当于剩余本金余额3%的手续费,加上当月未付利息,该手续费将适用于您的推荐正规买球平台.

Can I re-avail of a loan?

只要偿还了原贷款期限余额的一半,就可以重新使用贷款, 而且也没有逾期付款的记录. 例子:原来的贷款期限是12个月,而分期偿还已经支付了6个月, client can apply for re-availment. 在申请时,以前的贷款余额将从新贷款的收益中扣除.

我可以同时申请两笔商务快递贷款吗?

借款人不能同时使用两笔不同的贷款. 在他们申请另一笔贷款之前,必须先还清现有贷款期限的至少一半.

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