Most Disruptive Bank 2026 — BAIPHIL | SME Loan Rates from 0.8% / month | Special Agri Loan Program now available | New Mobile Banking App — iOS & Android | Deposits Insured by PDIC up to ₱500,000 | BSP Supervised & Regulated | 26+ Years of Trusted Banking Service |

Our Products & Services

Tailored financial solutions for every Filipino β€” entrepreneurs, farmers, families, and communities.

SME Business Loans

Whether you're starting up, expanding, or need working capital β€” our SME Business Loans are designed to help you move forward with confidence.

Loan Amount
β‚±100K – β‚±50M
Loan Term
Up to 10 years
Interest Rate
From 0.8%/mo
Processing
3–5 Business Days

Eligible borrowers: Sole proprietorships, partnerships, and corporations with at least 1 year in operation. Both collateral and collateral-free options available.

Apply for SME Loan

SME Loan Requirements

Duly accomplished loan application form
Valid government-issued ID (2 copies)
Business registration documents (DTI/SEC)
Latest 6 months bank statements
Latest 3 years audited financial statements
Latest ITR (BIR Form 1701 or 1702)
Collateral documents (if applicable)
Business permits & licenses (current year)
β‚±5,000
Starting loan amount

Group Lending Available
No Collateral Required

Microfinance Loans

We believe in the economic potential of every Filipino. Our Microfinance Loans provide accessible credit to micro-entrepreneurs who need financial support to grow their livelihood businesses.

Loan amount: β‚±5,000 to β‚±500,000
No collateral required for group loans
Flexible repayment β€” weekly, semi-monthly, or monthly
Financial literacy program included
Open to solo parents, PWDs, and marginalized groups
Apply for Microfinance Loan

Agricultural Loans

Supporting Filipino farmers and fisherfolk with affordable financing to boost production, acquire equipment, and improve their livelihoods.

Production Loans

Fund your planting season β€” seeds, fertilizers, pesticides, and labor costs covered.

From 0.5%/mo
Interest
Up to 1 year
Term

Post-Harvest Loans

Financing for storage, processing, and marketing of agricultural produce after harvest.

From 0.6%/mo
Interest
Up to 2 years
Term

Equipment Loans

Purchase tractors, irrigation systems, fishing boats, and other farm/fishing equipment.

From 0.75%/mo
Interest
Up to 5 years
Term

Savings & Deposit Products

Secure, PDIC-insured deposit products designed to help you save more and earn more interest.

β‚±500 minimum opening deposit

Regular Savings Account

Open a basic savings account with just β‚±500. Earn interest and access your funds anytime.

Open an Account
Designed for businesses

SME Business Account

A dedicated business account with higher transaction limits, online banking, and priority service.

Open an Account
Up to 5.5% p.a. interest

Time Deposit

Earn higher interest rates by locking in your savings for a fixed term β€” 30 days to 5 years.

Open an Account
All deposits are insured by PDIC up to β‚±500,000 per depositor.

Remittance Services

Fast, safe, and affordable money transfers for OFW families. Send and receive money domestically and internationally through our extensive network of partners.

  • Western Union Partner Outlet
  • PhilPass Domestic Transfers
  • International Remittance
  • Real-time Fund Transfer (InstaPay/PESONet)
  • Over-the-Counter Remittance
Learn More

Insurance Products

Protect your business, family, and assets with our range of insurance products offered in partnership with leading Philippine insurance providers.

Life Insurance
Non-Life / Property
Credit Life Insurance
Agricultural Insurance
Inquire Now

Apply for a Loan Today

The application process is simple and straightforward. Fill in your details, submit your requirements, and our loan officers will get in touch with you within 24 hours.

1
Submit Application
Fill in our online form or visit any branch.
2
Document Review
Our team reviews your submitted documents.
3
Credit Evaluation
We assess your eligibility and creditworthiness.
4
Loan Approval
Get notified of your loan approval within 3–5 days.
5
Loan Release
Funds are released directly to your account.

Loan Application Form

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Supervised & Regulated by
Bangko Sentral ng Pilipinas (BSP)
PDIC β€” Deposits Insured up to β‚±500,000
SEC Registered
AML/CTF Compliant