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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
This is our Pinoy Bank Ato ni Bay!
Philippine SME Bank, Inc. provides accessible financial solutions — from SME business loans and microfinance to savings accounts and digital banking — designed to uplift communities and fuel economic growth across the Philippines.
26+
Years of Service
85,000+
Clients Served
48+
Branches
₱12B+
Loans Released
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.
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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 Choose Us
Banking With Trust, Integrity
Banking With Trust, Integrity
& Purpose
At Philippine SME Bank, we go beyond transactions. We build lasting relationships with our clients — supporting their dreams and powering the Philippine economy from the grassroots up.
Fast Loan Processing
Get your loan approved in as fast as 3 to 5 business days with our streamlined application process.
Competitive Interest Rates
We offer some of the most competitive rates in the industry — flexible and fair for every type of borrower.
Nationwide Presence
48+ branches across Luzon, Visayas, and Mindanao — banking services close to where you live and work.
Dedicated Client Support
Our relationship managers are always ready to assist — personalized service that big banks don't provide.
Latest Updates
All News
News & Announcements
Announcement
Philippine SME Bank Launches Reduced Interest Rate Program for Agricultural Borrowers
In support of the government's agricultural development initiatives, Philippine SME Bank announces a special reduced-rate loan program for farmers and fisherfolk.
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Technology
New Mobile Banking App Launches — Manage Your Account Anytime, Anywhere
We are excited to announce the launch of our revamped mobile banking application with enhanced security features and a more intuitive user experience.
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Award
Philippine SME Bank Receives "Most Disruptive Bank 2026" Award from BAIPHIL
We are honored to receive the Most Disruptive Bank Award from the Bank Administration Institute of the Philippines, recognizing our rapid digital innovation and impact.
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Branches & ATMs
Find a Branch Near You
With over 48 branches and offices strategically located across the Philippines, banking with Philippine SME Bank is always convenient.
48+
Branches
30+
ATMs
3
Major Islands
24/7
Online Access
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."