The global commercial lending market is experiencing rapid growth. It is expected to rise from $16,442.29 billion in 2024 to $19,150.52 billion in 2025, with a compound annual growth rate (CAGR) of 16.5%. This surge is driven by economic growth, low interest rates, and evolving financial regulations, which are opening up more opportunities for businesses in need of financial support.
In the Philippines, this global trend is mirrored by a growing demand for accessible and flexible financing, especially among small and medium-sized enterprises (SMEs). Traditional bank loans often have strict requirements and longer processing times, making them less viable for many SMEs.
Commercial finance companies in the Philippines are stepping in to fill this gap, offering tailored loan products, faster approval processes, and alternative credit assessments. These companies are playing a crucial role in supporting SME growth and helping entrepreneurs access the capital they need to expand, manage cash flow, or invest in new opportunities.
What are Commercial Financial Companies?
Commercial financing companies are non-bank lenders that offer funding options to businesses, particularly SMEs, that may not qualify for traditional bank loans. These companies provide various types of financing tailored to businesses with unique needs or financial situations. Whether you're looking to expand, upgrade equipment, or improve cash flow, commercial financing companies can provide flexible solutions that banks often can't. Here’s what you should know about commercial financing companies.
- Diverse Financing Options: Commercial finance companies offer various forms of business financing, including term loans, lines of credit, equipment financing, and invoice factoring, giving you multiple options to meet your needs.
- Quick and Flexible Approvals: Unlike traditional banks, which may have long approval processes, commercial finance companies offer quicker and more flexible financing, allowing businesses to access funds faster.
- Less Stringent Requirements: Commercial finance companies typically have less stringent qualification criteria than banks. If your business has a less-than-perfect credit history or is still growing, these lenders may be more willing to work with you.
- Tailored Solutions for Specific Needs: Some commercial finance companies specialize in financing specific business needs, such as working capital, purchasing inventory, or upgrading equipment, giving you a more customized approach to funding.
- Alternative to Bank Loans: Commercial finance companies offer an alternative solution for businesses turned down by banks. They provide access to capital when traditional financing sources aren’t an option.
Commercial financing companies are essential for SMEs looking to access the capital needed for growth. Their flexible terms and diverse funding options offer a strong alternative to traditional bank loans. Explore the top commercial finance companies in the Philippines to find the right partner for your business success.
Top 10 Commercial Financing Companies
When it comes to securing financing for your small or medium-sized enterprise (SME) in the Philippines, selecting the right lender is critical for ensuring business growth and success. The top financial institutions and commercial finance companies in the Philippines each offer different loan products and benefits, tailored to meet the diverse needs of SMEs.
Here's a deeper look at how these institutions can help you grow your business and why they stand out.
- n90
- Bank of the Philippine Islands
- China Banking Corporation
- Security Bank Corporation
- Philippine National Bank
- BDO Unibank Inc
- East West Banking Corp
- JPMorgan Chase
- Sun Life
- Rizal MicroBank
1. n90
n90 is a rising name in the financial sector that provides a range of tailored financial solutions for SMEs, specializing in quick access to funds with flexible terms. They offer products like bridge loans, invoice financing, and small business loans to address immediate cash flow needs and long-term growth.
It is officially registered with the Securities and Exchange Commission (SEC) and operates under strict regulatory compliance.
Apply with n90 and access fast, flexible financing for your business today.
2. Bank of the Philippine Islands (BPI)
As one of the largest and most trusted commercial banks in the Philippines, BPI supports SMEs through its Ka-Negosyo Loan. This loan offers financing from PHP 300,000 to PHP 10 million with repayment terms of up to 5 years. Businesses can use these loans for equipment purchases, business expansion, or daily operations.
With an optional collateral setup, competitive interest rates, and access to business advisory services, BPI is a strong contender for SMEs looking for structured and reliable financing. Its nationwide branch network and proven track record offer peace of mind for growing businesses.
3. China Banking Corporation (China Bank)
China Bank is a respected name in the Philippine banking sector. It offers various business loans designed to meet the needs of SMEs, including working capital loans, term loans, and trade financing. It provides flexible loan structures with competitive rates and repayment terms that help businesses manage short-term and long-term financial goals.
They have extensive experience in catering to the financial needs of SMEs, particularly in sectors such as retail, manufacturing, and services. Additionally, China Bank has a long history of helping businesses expand through its tailored financing solutions, which provide a balance between quick access to funds and manageable loan terms.
4. Security Bank Corporation
Security Bank is known for its modern approach to financing. It provides various SME loan products like business loans, equipment financing, and lines of credit. It offers the Business Express Loan, which allows SMEs to borrow up to PHP 7.5 million without collateral. Ideal for capital expenditures or equipment purchases, the product features quick processing times, digital application tools, and a dedicated business manager for each client.
Their tech-forward infrastructure simplifies lending, making Security Bank a top pick for entrepreneurs who want speed and service.
5. Philippine National Bank (PNB)
PNB is one of the oldest and most reliable financial institutions in the Philippines. Their financing solutions for SMEs are designed to address various business needs, including working capital loans and trade financing.
PNB offers low interest rates, longer repayment terms, and the possibility of getting loans with fewer collateral requirements, making the company an ideal choice for SMEs looking for affordable and accessible funding. Their extensive reach and strong customer service make them valuable partners for businesses seeking long-term financial support.
6. BDO Unibank Inc.
BDO offers Multipurpose SME loans ranging from PHP 1 million to PHP 50 million. They have various SME loan products, such as term loans, working capital loans, and trade financing. BDO stands out because of its extensive network of branches and its ability to provide customized financing solutions that cater to the diverse needs of SMEs.
Whether you’re looking to expand your business, invest in equipment, or simply manage cash flow, BDO’s business loan products are designed to provide flexible terms and competitive rates that help companies thrive. BDO also has an excellent reputation for customer service, offering dedicated business support and advisory services to help you maximize the impact of your financing.
7. EastWest Banking Corporation
EastWest Bank specializes in innovative financing solutions for SMEs. It offers working capital loans, equipment financing, and business loans with flexible terms and competitive interest rates.
EastWest’s reputation for providing personalized service and customer support sets it apart from other banks. They focus on building strong relationships with SMEs and offer loan products tailored to your business's financial needs. This makes EastWest Bank an ideal partner for SMEs looking for a supportive lender who understands the challenges of growing a business in today’s competitive environment.
8. JPMorgan Chase
Though widely known for investment banking under the J.P. Morgan brand, JPMorgan Chase supports small and medium-sized enterprises (SMEs) in the Philippines through various financing solutions. These include business lines of credit, working capital loans, and asset-based lending.
Its global expertise makes JPMorgan Chase a strong partner for SMEs with international operations or expansion plans. While not a traditional commercial lender locally, its strength lies in offering customized financing that supports domestic and cross-border growth.
Note: J.P. Morgan is the investment banking arm, while Chase handles consumer and commercial banking, both part of JPMorgan Chase & Co.
9. Sun Life
Sun Life is primarily known for its insurance and investment products, but it also provides financial products that SMEs can use to ensure long-term stability. These include investment-linked plans and financial advisory services for SMEs.
Although not a traditional lender, Sun Life’s offerings help SMEs protect and grow their financial assets. Sun Life’s flexibility in offering loan and investment products makes it an excellent choice for business owners looking for a more comprehensive financial strategy that includes financing and long-term planning.
10. Rizal MicroBank
Rizal MicroBank, a subsidiary of RCBC, is dedicated to serving micro and small entrepreneurs across the Philippines through specialized financial solutions. While not a traditional commercial finance company, it offers tailored loan products designed to support business growth at various stages.
Two of its key offerings are the Small Biz Regular Loan and Small Biz Lite. The Small Biz Regular Loan provides financing from ₱1 million to ₱5 million for business expansion, equipment purchases, or working capital—ideal for established enterprises aiming to scale operations. For smaller or growing businesses, the Small Biz Lite offers loans ranging from ₱50,000 to ₱1 million, making it accessible to entrepreneurs with at least three years of operations and regular income cycles.
These top 10 financial institutions offer essential financing options to help you manage cash flow, expand, or invest in new opportunities. Whether working capital, equipment financing, or business expansion loans, they provide the flexibility, competitive rates, and terms you need. Evaluate each option carefully to choose the best fit for your business goals and growth.
Final Note!
Selecting the right commercial finance company is crucial for driving your business forward. The top commercial finance companies in the Philippines offer a range of financing solutions that can help you manage cash flow, expand, or invest in new opportunities. You can find the right partner to support your growth by carefully evaluating your needs and goals.
For SME businesses seeking flexible financing options and quick access to funds, n90 provides tailored solutions to meet the unique needs. n90 can help address immediate financial challenges or support long-term growth, focusing on fast approvals and customized loan products.
Get funded today and secure the capital you need to thrive.
FAQs
1. What industries are best suited for commercial financing in the Philippines?
Commercial financing is ideal for a wide range of industries, including retail, manufacturing, logistics, food and beverage, agribusiness, and technology. These sectors often face fluctuating cash flows or require capital for equipment, inventory, or expansion, making them strong candidates for tailored financing solutions.
2. How do commercial finance companies evaluate loan applications differently from banks?
Unlike traditional banks that heavily weigh credit scores and collateral, commercial finance companies often assess cash flow, business models, customer invoices, and growth potential. This makes them more accessible to startups or businesses with limited credit history.
3. Are there risks in choosing a commercial finance company over a traditional bank?
While commercial finance companies offer more flexibility, they may charge higher interest rates or have shorter repayment terms. It is important to review the terms carefully and ensure the repayment structure aligns with your business’s cash flow.
