Pandagdag puhunan? Sa PSBank, simple lang.

In business, opportunities come fast, and they often come knocking only once. Getting enough capital within a short period can make all the difference.

The PSBank SME Business Credit Line is designed to give entrepreneurs of small and medium businesses, like you, the working capital boost you need. It empowers you to grow your business with confidence and convenience. So whether you need to increase your working capital, stock your inventory, or expand your square footage, our credit line for SME businesses is the right answer to your financial needs.

Get quick access to funds. Enjoy one of the lowest interest rates in the market. No need to sign promissory notes or to visit the branch whenever you need funds.

Line Amount
  • Minimum of PhP2 million if collateral is real estate property
  • PhP500,000 if against deposits

Working capital

Line Expiry

365 days from the date of first billing cut-off renewable annually

Interest Rate

At competitive SME Business Credit Line rates

Interest Repricing

Every start of billing period/monthly, as indicated in the monthly Statement of Account

Modes of Availment
  • Issuance
  • Encashment
  • Negotiation of PSBank SME Business Credit Line Checks

Every 10th of each month equivalent to minimum amount due (interest, any past due amount, penalties, excess availment, documentary stamps) as indicated in the Statement of Account

  • Any prime residential/commercial/industrial properties with or without building improvements
  • Cash deposits
Modes of Payment
Turnaround Time

Approval within 20 banking days from submission complete documents

  • Quick Access. Instant funds for your business needs that can't wait. No need to sign promissory notes or call/see the branch whenever funds are needed.

  • Convenience of availment. Clients can issue checks even during weekends/holidays or after banking hours. Instant funds!!! No more hassle, no more waiting.

  • Flexibility to borrow for short-term periods or when you want to pay the loan back quickly.

  • Savings on interest charges. Pay the principal amount anytime, when you have excess cash, then borrow again when you need it.


Processing and Handling Fee

Fixed at PhP4,750 regardless of loan amount

Documentary Stamps on

Billed to client monthly, computed in ILS based on ADB of Outstanding availment for the billing period

Documentary Stamps for 
Real Estate Mortgage Registration

Loan amount x 0.004 + PhP20 

Note: Always round up to the nearest peso; If with secured and unsecured portions, DST to be computed for the SECURED portion only

Notarial fee

PhP500 per document

Appraisal fee

For New Accounts and Additional or Change in Collateral requests for existing accounts: PhP3,500 per title + PhP500 per additional title in same location or PhP3,500 per additional title in a different location

Title Handling Fee

PhP1,500 per title

Credit Life Insurance (CLI) Loan amount x 0.0048
Fire Insurance

Depends on appraised value of improvement on collateral

Registration fees for New and Additional Real Estate Mortgage (REM)

Actual registration fees per Registry of Deeds fees schedule / (assessment + service charge)

Note: In accordance to actual Registry of Deeds fees

Cancellation of Previous Real
Estate Mortgage (REM)

Actual cancellation fees per Registry of Deeds fees schedule / (assessment + service charge)

Note: In accordance to actual Registry of Deeds fees

Cancellation of Sec. 4 Rule 74
(annotation on the title)

PhP1,804 shall be charged plus PhP300 for every additional title plus applicable out of town charges if collateral is located outside Metro Manila.

Note: Subject to change in accordance to actual Registration of Deeds fees

Cancellation of Sec. 7 RA 26
(annotation of court order and
finality on title)

PhP2,191 shall be charged plus PhP300 for every additional title plus applicable out of town charges if collateral is located outside Metro Manila.

Note: Subject to change in accordance to actual Registration of Deeds fees

Other Miscellaneous fees related to REM registration

Based on loan amount and actual registration fees per Registry of Deeds fees schedule / (assessment + service charge)


Issuance of Cancellation Documents
  • 1st issuance: Pay Notarial Fee of PhP500
  • 2nd and every issuance thereafter:
    • Notarial Fee: PhP500
    • Processing Fee: PhP2,000
Pre-termination charges


Penalty Charges for
Returned Checks

Penalty charges shall be computed as follows: Amount of returned check x 3% x no. of days (date paid - date of availment) / 30 days

Safekeeping fees

A fee of PhP2,000 Shall be charged if collateral loan document/s is/are unclaimed after 90 days to 120 days from loan closure date. An additional fee of PhP1,000 shall be charged for every 30 days succeeding the 120-day period.


Late payment penalty fee

3% per month or a fraction thereof shall be added on each unpaid installment from its due date until fully paid.

Attorney’s fees and Liquidated Damages

In case the Bank / Financial Institution should engage the services of counsel to enforce its rights under this Agreement, the Borrower / Mortgagor shall pay an amount equal to ten (10) percent of the outstanding Loan and Secured Obligations which in no case shall be lower than PhP50,000. The Borrower / Mortgagor shall likewise be liable for and bear the costs of legal fees and expenses entailed in the foreclosure, collection, and/or enforcement of this Agreement.


Processing / Handling Fee

Fixed at PhP4,750 regardless of loan amount

Note: All aforesaid fees and charges will take effect immediately and may be cancelled or modified anytime at the Bank’s sole discretion without any prior notice.

  • For SME Loans with Real Estate Property Collateral:
    • Completely filled-out and signed Business Loan Application Form and Statement of Assets & Liabilities
    • Two (2) valid IDs

    • Business registration papers:
      • DTI Certificate of Registration
      • SEC Articles of Incorporation and By-Laws, General Information Sheet

    • Company profile and ownership structure
    • Income Tax Returns with Audited Financial Statements for the last 2 to 3 years duly stamped “received” by the BIR
    • Waiver of Confidentiality of Client’s Information and/or Authority of the Bank to Conduct Random Verification with the BIR (as indicated in the application form)
    • Interim Financial Statements, if available
    • Photocopy of bank statements or passbook within the past 6 full months
    • Photocopy of TCT, tax declaration and vicinity map of the offered collateral
    • Trade References / List of at least five major suppliers and clients with contact names and contact details
  • For SME Loans with time deposit collateral:
    • Completely filled-out and signed Business Loan Application Form and Statement of Assets & Liabilities
    • Time Deposit Certificate with signed endorsement at the back portion
    • Two (2) valid IDs
    • DTI or SEC registration/By-Laws and Articles of Incorporation if applicant is the company

  • Additional Documents (depending on loan purpose)
    • For loan take out: Latest statement of Account from creditor and copy of Official Receipts of payments for the past 3 months
    • For construction / renovation: Building plans, bills of materials and cost estimates / specifications

    • For acquisition:
      • Contract to sell
      • TCT of property being acquired

    • For sureties and co-borrowers:
      • Completely filled-out Business Loan Application Form and Statement of Assets & Liabilities
      • Two (2) valid IDs
      • Income Tax Return (ITR)

    • Based on nature of business:
      • Lease contracts: if source of Income is from rentals
      • Notarized Service Agreements/Contracts, List of Completed and On-going Projects: If business is construction
      • Franchise Agreements: For franchise or franchisor
      • Service Contracts: For manpower, labor or transport business
      • Purchase Orders: For exporters
      • Supply Contract: For contract growers
      • Licenses or accreditation from institutions or government agencies: For businesses such as healthcare providers, overseas and local manpower providers, and rice or grain dealers
      • Contracts / Distribution Agreements: For businesses in sales or exclusive distributorships

A cooling-off period of two (2) banking days is granted from the signing of the loan documents and/or payment of applicable bank fees, whichever comes first.  During the cooling-off period, the borrower may cancel or terminate the loan without penalties, by submitting a written notice to the Bank, provided that the loan proceeds have not been released; and he/she shall be entitled to a refund of any fees or payments made, if any and as applicable, except for appraisal fees. The Bank, however, reserves the right to collect reasonable processing and administrative fees to cover the costs incurred during the loan processing.  The cooling-off period is available for financial consumers who are individuals, or micro and small enterprises as defined in applicable DTI regulations.

Truth and Transparency in Lending
Enhanced Implementation of the Truth in Lending Act (Republic Act 3765)

The State protects its citizen from a lack of awareness of the true cost of credit to the customer by assuring a full disclosure of such cost and other terms and conditions with a view of preventing the uninformed use of credit.

As such, a disclosure statement is a required attachment to the loan contract. It shall include, at a minimum, the following information:

1.) Total amount to be financed
2.) Finance Charges and all other charges incident to the loan
3.) Net proceeds of the loan
4.) Schedule of Payments
5.) The percentage that the finance charge bears to the total amount to be financed expressed as an Effective Interest Rate (EIR)

Important Notice: The Bank is required to provide the borrower a copy of the disclosure statement prior to the consummation of the credit transaction.

For more information:

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