SME Financing Solutions | Maybank Philippines

Revolving Credit Line

Stay in control of your cash flow with a flexible credit line—draw what you need, repay when you can, and pay interest only on what you use.

❖ Benefits

• Additional cash flow to expand your business

• Tailor-fit to your business needs

• Flexible for daily operations

❖ Eligibility

• All registered businesses authorized to operate under local regulations in Philippines:

• Revenue Size up to PHP500.0 Million based on In-house Financial Statement, AND

• Loan size of up to PHP50.0 Million

• Simple credit facilities

• Type of business entity: Corporation, Partnership or Sole Proprietorship

• Minimum 3 years in business operation, OR minimum 3 years management experience in similar business with guarantee taken from key person

• Key person’s age must be at least 25 years at point of application and max up to 70 years upon loan maturity

• Entity/owner has banking relationship with Maybank Philippines or other Financial Institution

• Must have a property (free from any liens and encumbrances) available to offer as collateral for the credit facility.

❖ Features

• Loan Amount: Minimum of PHP 500,000 to PHP 50 Million

• High Margin of Finance: Up to 120% of the appraised value of the collateral property

• Flexible Terms: PN term up to 1 year to fit your cash flow cycle, renewable annually; Pay interest only on availed amounts with interest rate based on prevailing market rates

HERPower SME Loan

Built for women-led businesses, this financing program offers term loans to support your working capital and fuel your growth.

❖ How HerPower Can Support you

• Loan Amount: Get between PHP 300,000 and PHP 1,500,000 to fuel your business.

• Flexible Terms: Repayment options from 2 to 5 years to fit your cash flow needs.

• Affordable Rates: A low interest rate of 15.00% p.a., designed to support women entrepreneurs.

• No Collateral Required: Access funds without needing to pledge assets.

• Fast Approval: Loan application process takes seven (7) business days with minimal paperwork.

• Business Support: Expert advice, coaching, and mentorship to guide your growth.

• Use of Funds: Flexible for daily operations or investments in business expansion.

❖ Eligibility

• Key Borrower Age: Must be between 25 and 60 years old at loan maturity (exceptions apply if secured against liquid collateral/cash).

• Business Type: All registered businesses authorized to operate under local regulations in Philippines

• Ownership: For Individual must be women or women-owned MSMEs | For non-individual, majority Philippine-women owned business (at least 51% shareholding)

• Borrowing Record: Minimum 2-year borrowing history or existing deposit relationship with Maybank.

❖ Document to Prepare

• Business Registration: DTI certificate of business name registration (5 years validity), Mayors/Business Permit

• Financial Statements: 2 years ITR (Income Tax Return) and Audited FS, 2 years In house Management FS, 6 months bank statement from 3 principal depositor banks

• Proof of Ownership: Documentation verifying female ownership.

• Other Relevant Documents: As required by Maybank upon application.

Business Term Loan

Fund your next move with a short- or long-term loan—whether you’re expanding, investing in equipment, or driving new growth.

❖ Benefits

• Additional cash flow to expand your business

• Tailor-fit to your business needs

• Fixed monthly amortizations for easier monitoring

❖ Use Of Funds

• Flexible to support business expansion

❖ Eligibility

• All registered businesses authorized to operate under local regulations in Philippines:

• Revenue Size up to PHP 500.0 Million based on In-house Financial Statement, AND

• Loan size of up to PHP 7.0 Million

• Types of business entity: Corporation, Partnership, Sole Proprietorship

• Minimum 3 years in business operation, OR minimum 3 years management experience in similar business with guarantee taken from key person

• Key Person’s age must be at least 25 years at point of application and max up to 60 years upon loan maturity

• Entity/owner has banking relationship with MPI or other Financial Institutions

• Must have a property (free from any liens and encumbrances) available to offer as collateral for the credit facility.

❖ Features

• Loan Amount: Minimum of PHP 500,000 to PHP 7 Million

• High Margin of Finance : Up to 120% of the Appraised Value of the collateral property or PHP 7 Million, whichever is lower

• Flexible Terms: Up to 5 years; Enjoy lower monthly amortization amount with interest rate based on prevailing market rates

Asset Acquisition Term Loan

Own the assets your business needs with a term loan—pay over time while investing in property, equipment, or long-term growth.

❖ Benefits

• Additional cash flow to expand your business

• Tailor-fit to your business needs

• Lower monthly amortization with longer tenure

❖ Use of Funds

• For acquisition of property: Commercial building, Warehouse, Factory, Residential (house, townhouse, condominium), Vacant lot (commercial, industrial residential)
NOTE: *Purchase of residential property by company for business staff-use only

❖ Eligibility

• All registered businesses authorized to operate under local regulations in Philippines:

• Revenue Size up to PHP 500.0 Million based on In-house Financial Statement, AND

• Loan size of up to PHP 50.0 Million

• Types of business entity: Corporation, Partnership, Sole Proprietorship

• Minimum 3 years in business operation, OR minimum 3 years management experience in similar business with guarantee taken from key person

• Key Person’s age must be at least 25 years at point of application and max up to 60 years upon loan maturity

• Entity/owner has banking relationship with MPI or other Financial Institutions

• Must have a property (free from any liens and encumbrances) available to offer as collateral for the credit facility.

❖ Features

• Loan Amount: Minimum of PHP 500,000 to PHP50 Million

• High Margin of Finance: Up to 80% + 5% MOF against the Appraised Value of the collateral property

• Flexible Terms: Up to 20 years; Enjoy lower monthly amortization amount with interest rate based on prevailing market rates

Construction Term Loan

Build with confidence using a financing facility designed to suit your cash flow. Access funds in stages as your project reaches key milestones.

❖ Benefits

• Additional cash flow to expand your business

• Tailor-fit to your business needs

• Lower monthly amortization with longer tenure

❖ Use of Funds

• Financing construction of building for business use

❖ Eligibility

• All registered businesses authorized to operate under local regulations in Philippines:

• Revenue Size up to PHP 500.0 Million based on In-house Financial Statement, AND

• Loan size of up to PHP 50.0 Million

• Types of business entity: Corporation, Partnership Sole Proprietorship

• Minimum 3 years in business operation, OR minimum 3 years management experience in similar business with guarantee taken from key person

• Key Person’s age must be at least 25 years at point of application and max up to 60 years upon loan maturity

• Entity/owner has banking relationship with MPI or other Financial Institutions

• Must have a property (free from any liens and encumbrances) available to offer as collateral for the credit facility.

❖ Features

• Loan Amount: Minimum of PHP 500,000 to PHP50 Million

• High Margin of Finance: Up to 80% +5% of the Appraised Value of the collateral property OR Max 70%+5% of construction Cost, whichever is lower

• Flexible Terms: Up to 15 years; Enjoy lower monthly amortization amount with interest rate based on prevailing market rates

CAPEX Term Loan

Upgrade or invest in essential equipment and machinery with a term loan designed to support your growth and improve efficiency

❖ Benefits

• Additional cash flow to expand your business

• Tailor-fit to your business needs

• Fixed monthly amortizations for easier monitoring

❖ Use of Funds

To acquire chattels:

• Machinery

• Equipment

• Vehicles

❖ Eligibility

• All registered businesses authorized to operate under local regulations in Philippines:

• Revenue Size up to PHP 500.0 Million based on In-house Financial Statement, AND

• Loan size of up to PHP 50.0 Million

• Types of business entity: Corporation, Partnership, Sole Proprietorship

• Minimum 3 years in business operation, OR minimum 3 years management experience in similar business with guarantee taken from key person

• Key Person’s age must be at least 25 years at point of application and max up to 60 years upon loan maturity

• Entity/owner has banking relationship with MPI or other Financial Institution

• Must have a property (free from any liens and encumbrances) available to offer as collateral for the credit facility.

❖ Features

• Loan Amount: Minimum of PHP 500,000 to PHP 50 Million

• High Margin of Finance: Up to 70% of Appraised Value of the collateral property or capital expenditures (CAPEX) purchase price, whichever is lower

• Flexibe Terms: Up to 7 years; Enjoy lower monthly amortization amount with interest rate based on prevailing market rates

Trade Facilities

Support your trading activities with a suite of trade finance solutions that help you manage cash flow and reduce risk.

❖ Benefits

• Additional cash flow to expand your business

• Tailor-fit to your business needs

❖ Use of Funds

• Flexible to match the daily trade operations of the business

❖ Eligibility

• All registered businesses authorized to operate under local regulations in Philippines:

• Revenue Size up to PHP 500.0 Million based on In-house Financial Statement, AND

• Loan size of up to PHP 50.0 Million

• Types of business entity: Corporation, Partnership, Sole Proprietorship

• Minimum 3 years in business operation, OR minimum 3 years management experience in similar business with guarantee taken from key person

• Key Person’s age must be at least 25 years at point of application and max up to 60 years upon loan maturity

• Entity/owner has banking relationship with MPI or other Financial Institution

• Must have a property (free from any liens and encumbrances) available to offer as collateral for the credit facility.

❖ Features

• Loan Amount: Minimum of PHP 500,000 to PHP 50 Million

• High Margin of Finance: Up to 120% of the appraised value of the collateral

• Flexibe Terms: Up to 1 year term to fit your trade cycle; Enjoy low fees and commission for every issued transaction only