Where to avail Small Business Loans in the Philippines

Are you thinking of starting your own business but you don't have enough funds? There are actually microfinance institutions that help budding Pinoy and Pinay entrepreneurs. The lending institutions I listed below cater mostly to the poor and underprivileged sectors of society. Still, I think that with a sound business plan, you can apply and give it a try.

TSPI Development Corporation (www.tspi.org). They have different loan packages to choose from but these usually offer group membership loans. For example, they grant loans to women's organizations and groups of farmers. Individual loan packages for acquisition of tricycles for tricycle drivers. The Individual Loan Assistance Program (ILAP), on the other hand, offers loans from PPhp 50,000 to Php 500,000 to small entrepreneurs who want to expand their business. They have branches all over the Philippines but the main headquarters is in 2370 Antipolo St., Guadalupe Nuevo Makati City. You can also contact them by calling (632) 751-36-38 to 41.

Kabalikat para sa Maunlad na Buhay, Inc. (www.kmbi.org.ph). The institution provides group loans to their members. There is not much information about the loan packages but you can reach them at 12 San Francisco St., Karuhatan, Valenzuela City or call them at 291-1484.

Center for Community Transformation (www.cct.org.ph). They provide micro-financing loans to members of their "accountability groups." The institution does not only provide capital but also train their borrowers on how to increase their savings for better sustainability. Their office is found at 5/F Joshua Center, 1428 Taft Ave., Manila. Call 524-1809 for more details.

Development Bank of the Philippines (www.devbankphil.com). Micro-financing loans are available for sole proprietorships and registered partnerships. You can use the title of your real estate property as collateral. Visit the site for more details.

If you are a, updated member of the Social Security System (SSS) and you don't want to loan capital with a collateral, I suggest that you take advantage of your Salary Loan and use it as capital for your small business. Then again, the most that you can get is just around Php 22,000 so it would be better to ask your spouse to avail of the loan,too.


  1. Thank you for mentioning KMBI in your post.

    For the mothers out there who will be interested in knowing more about KMBI,they can find out more in our corporate website:

  2. I have read this post and i found it very interesting.

  3. This suggestions will really help to find a small business loan. Many of Filipino entrepreneurs will have the opportunity to start their own business.

  4. Thanks for the post. Now I know where to find business loans in the Philippines.

  5. There are also rural banks that offer business loans. Try  First Macro Bank, Bangko Kabayan, Tanay Rural Bank, and Bank of Florida. If you are an OFW or ex-OFW or your husband/wife is you could avail OWWA's Reintegration Program that offers from P300,000 to P2M just be ready with your business plan.

  6. Great article and nice content for sure. http://philippinenationallending.com

  7. Great informative article for us looking for personal loans here in the Philippines! I just might want to add Cebuana Lhuillier considering one of reliable company in the Philippines!

  8. DevBank link is dead they did not renew the domain.


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