11 DTI Loans for MSMEs in the Philippines: Amounts, Rates, and Requirements
Summary
Key Takeaways
- DTI loan amounts range from ₱50,000 to ₱20 million. Loan amounts over ₱3 million usually require collateral.
- Most DTI loans for small businesses charge an interest rate of 1% per month. Some have a one-time processing fee of 3%.
- SB Corp loans usually require at least 1 year of operations, as evidenced by business permits and BIR-submitted financial documents.
- Applications go through the SB Corp Money App or at at app.sbcorp.ph. You can track your application status via the app.
- Expect delays. SB Corp have no published processing times and receive several applications nationwide, so plan ahead if you need funds urgently.
Did you know that the Department of Trade and Industry (DTI) lends directly to micro, small, and medium enterprises (MSMEs) through its financing arm, the Small Business Corporation (SB Corp)? DTI loan for small businesses offer up to ₱20 million, with interest rates starting at 1% per month – some even offering interest-free periods and grace periods. DTI business loans are also available for specific borrower groups such as sari-sari store owners and MSMEs in regions affected by flooding and other calamities.
MSMEs make up 99.63% of business establishments in the Philippines, generating 66.97% of the country’s total employment (PSA 2023 MSME Statistics). Despite these numbers, a lot of MSMEs continue to suffer from a major lack of financing opportunities – many are considered “unbankable”, due to a lack of formal business records or operational history. DTI MSME loan programs were launched to fill in that gap.
Which DTI loans are available for MSMEs?
As of 2026, SB Corp offers these loan programs to MSMEs:
- RISE UP Micro Multi-Purpose Loan: For microenterprises with 1+ year in business.
- RISE UP SME First-Time Borrowers: For SMEs with 2+ years in business.
- RISE UP MSME Multi-Purpose Suki Loan: For existing SB Corp borrowers in good standing.
- RISE UP Micro Tindahan: For sari-sari stores in an accredited FMCG supply chain.
- RISE UP SME Tindahan: For retailers, dealers and distributors in an accredited FMCG supply chain. Up to ₱5 million at 8% a year, payable over up to 3 years.
- MSME Business Fund: For MSMEs affected by the Middle East crisis.
- Business Expansion Financing: For new businesses with 3–11 months of operation.
- Franchise Funding: For franchisees endorsed by SB Corp partner associations. Purchase Order Financing: For MSMEs with 1+ year in business and 3+ completed purchase orders.
- Enterprise Rehabilitation Financing (ERF): For MSMEs in State of Calamity areas.
- Youth Enterprise Fund: For entrepreneurs aged 18–30.
What are the DTI loan requirements?
Most DTI loans ask for the same core documents:
- Government-issued ID of the owner, managing partner, or president/CEO
- Business permit, depending on the loan amount:
- Barangay Permit, Barangay Certification, or BMBE Certificate of Authority for loans not more than ₱100,000
- BMBE Certificate of Authority or Mayor's Permit for loans over ₱100,000
- DTI registration for sole proprietorships, or SEC registration for partnerships and corporations
- Proof of a bank account in the business's name
- Photos of business operations and assets (signage, inventory, equipment)
- BIR-filed financial statement (ex. Income Tax Return) for the last 1-2 years, depending on the type of loan
Partnerships and corporations also need:
- A Secretary's Certificate, Board Resolution, or Partnership Resolution authorizing the loan
- Other corporate documents such as General Information Sheet or Articles of Partnership, if applicable
Some DTI loan programs have more specific requirements, such as a business plan or collateral documents for loans over ₱3 million. See each program below for the specifics.
What's a BMBE Certificate? A Barangay Micro Business Enterprise (BMBE) Certificate of Authority is a certification for select microenterprises with total assets not exceeding ₱3 million, excluding the value of land where the business operates. Certified BMBEs are exempt from income tax on their business income and get priority access to credit. Interested enterprises may apply at the City or Municipal Hall of their business LGU.
How to apply for a DTI loan online?
SB Corp takes applications through the SBCorp Money app (Google Play and Huawei AppGallery) or at app.sbcorp.ph.
What is the DTI loan application process?
Here’s how to apply for a DTI loan online:
- Download the SBCorp Money app or go to app.sbcorp.ph, then create a new account.
- Choose the loan program that fits your business.
- Fill out the application form and upload your documents.
- Wait for an SB Corp account officer to contact you about your application. If you applied via the SB Corp Money app, you can also track the status of your application here.
- If your DTI SME loan is approved, it will be disbursed in the bank account you nominated during the signup or application process.
You may visit SB Corp’s online guide for more details on signing up, or apply in person at your nearest DTI Regional Office or Negosyo Center.
DTI loan programs for MSMEs
1. RISE UP Micro Multi-Purpose Loan
A collateral-free loan for microenterprises in any sector, as long as they have at least 1 year in business track records based on their business permit. A 3% processing fee applies.
Type of loan: Unsecured term loan
Who can avail: Multi-sectoral microenterprises in business for at least 1 year
Maximum loanable amount: Up to ₱300,000
Loan term: Payable monthly up to 3 years
Interest rate: 12% per annum, based on diminishing balance (exclusive of DST)
Requirements
- Government-issued ID
- For loans up to ₱100,000: Barangay Permit or Barangay Certification showing the business has operated for at least 1 year, or a BMBE Certificate of Authority, or a Mayor's Permit
- For loans above ₱100,000: BMBE Certificate of Authority or Mayor's Permit
- Photos of business operations and assets
- Bank account details
- Corporate documents, if applicable
2. RISE UP Multi-Purpose Loan for SME First-Time Borrowers
For established small and medium enterprises borrowing from SB Corp for the first time. Collateral-free up to ₱3 million, with a 3% processing fee.
Type of loan: Term loan. Collateral-free up to ₱3 million.
Who can avail: Multi-sectoral SMEs in business for at least 2 years
Maximum loanable amount: Up to ₱20 million
Loan term: Payable monthly up to 5 years
Interest rate: 12% per annum, based on diminishing balance (exclusive of DST)
Requirements
- Government-issued ID
- Valid, unexpired BMBE Certificate of Authority or Mayor's Permit
- Photos of business operations and assets
- Bank account details
- Corporate documents, if applicable
- BIR-filed financial statements for the past 2 years, with the most recent year showing positive net income
3. RISE UP MSME Multi-Purpose Suki Loan
A loan for existing SB Corp borrowers with a good repayment record, offering higher amounts and lower interest rates starting at 8% per annum. A 3% processing fee applies.
Type of loan: Term loan. Collateral-free up to ₱5 million; real estate mortgage required above ₱5 million.
Who can avail: Existing SB Corp borrowers in good standing with at least 6 months of repayment history
Maximum loanable amount: Up to ₱20 million
Basis of loan amount: For loans above ₱5 million, collateral is valued at the government zonal value of the land, excluding buildings.
Loan term: Payable monthly up to 5 years
Interest rate: 8% to 12% per annum, based on diminishing balance (exclusive of DST)
Requirements
- Proof of sales, including bank statements
- Proof of asset value, if buying fixed assets
- In-house or BIR-filed financial statements (BIR-filed required for loans above ₱3 million)
- Proof of ownership and government valuation of the real estate securing the loan, if applicable
4. RISE UP Micro Tindahan Loan
For sari-sari stores with at least 1 year of supply chain history from an SB Corp-accredited FMCG (fast-moving consumer goods) company.
Type of loan: Unsecured term loan
Who can avail: Sari-sari stores with FMCG accreditation and participation of at least 1 year in the supply chain of an SB Corp-accredited FMCG company. Must be 100% Filipino-owned with asset size not exceeding ₱100 million, excluding land.
Maximum loanable amount: Up to ₱300,000
Basis of loan amount: Up to 40% of annual sales with the FMCG company
Loan term: Payable monthly up to 3 years.
Interest rate: 10% per annum, based on diminishing balance (exclusive of DST)
Requirements
- Government-issued ID
- Barangay Business Permit for loans up to ₱100,000
- BMBE Certificate or Mayor's Permit for loans above ₱100,000
- Photos and video of business operations and assets
- FMCG reference number
- Corporate documents, if applicable
5. RISE UP SME Tindahan Loan
For retail stores, dealers, and distributors that buy from an SB Corp-accredited FMCG company. It has the lowest rate among the RISE UP loans.
Type of loan: Term loan
Who can avail: Retail stores, dealers, and distributors with FMCG accreditation and at least 1 year in the FMCG supply chain (3 years for loans above ₱1 million). Must be 100% Filipino-owned with asset size not exceeding ₱100 million, excluding land.
Maximum loanable amount: Up to ₱5 million
Basis of loan amount: 40% of annual FMCG sales for retail stores; 15% for dealers and distributors
Loan term: Payable monthly up to 3 years
Interest rate: 8% per annum, based on diminishing balance (exclusive of DST)
Requirements
- Government-issued ID
- Mayor's Permit
- Corporate documents (e.g., Secretary's Certificate)
- Photos and video of business operations and assets
- FMCG accreditation number
- Proof of asset size not exceeding ₱100 million
6. MSME Business Fund
A ₱4-billion fund launched by DTI in April 2026 for MSMEs hit by the Middle East crisis. It covers supply chain disruptions, higher logistics costs, and cash flow gaps.
Type of loan: Term loan
Who can avail: MSMEs affected by the ongoing Middle East crisis
Maximum loanable amount: Up to ₱5 million, with no collateral for existing SB Corp borrowers
Loan term: Not specified but a 1-year grace period is available for specific financing programs.
Interest rate: 1% per month based on diminishing balance
Requirements
- Valid government-issued ID
- Mayor's Business Permit
- Proof of bank account
- Business photos (signage, inventory, assets)
7. Business Expansion Financing
For newly-established MSMEs that are considered “pre-bankable but viable”. Must have at least 3 to 11 months of business operation records.
Type of loan: Term loan
Who can avail: Businesses with 3 to 11 months of operation and at least 3 months of proven sales
Maximum loanable amount: ₱50,000 to ₱3 million
Basis of loan amount: Submitted business plan and proof of sales
Loan term: Payable monthly up to 3 years
Interest rate: 0% for the first 12 months, then 1% per month based on diminishing balance
Requirements
- Government-issued ID
- Mayor's Business Permit
- DTI or SEC registration
- Proof of bank account
- Corporate documents, if applicable
- Business plan
- Proof of sales
8. Franchise Funding
Covers most of the cost of buying or growing a franchise. Open to OFWs and new/existing franchisees endorsed by SB Corp.
Type of loan: Term loan
Who can avail: Existing and new MSME franchisees endorsed by an SB Corp partner franchise association. Also open to returning OFWs and their families.
Maximum loanable amount: Up to ₱20 million
Basis of loan amount: Up to 80% of the total franchise investment
Loan term: Payable monthly up to 3 years, with an optional 3-month grace period
Interest rate: 1% per month; thereafter based on diminishing balance
Requirements
- Reference codes from an SB Corp partner franchise association
- Government-issued ID
- Mayor's Business Permit
- DTI or SEC registration
- Proof of bank account
- Valid, notarized franchise agreement
- Franchise investment package or business plan
- Proof of sales for existing franchisees (e.g., financial statements, receipts)
- Corporate documents, if applicable
9. Purchase Order Financing
Short-term funding for MSMEs with at least 1 year of business operations. Allows you to fill large or growing customer orders through repeat drawdowns allowed against your credit limit.
Type of loan: Short-term credit line. Multiple drawdowns allowed.
Who can avail: MSMEs in business for at least 1 year, with at least 3 completed purchase orders in the past 2 years
Maximum loanable amount: Up to ₱20 million
Basis of loan amount: Up to 80% of the purchase order amount
Loan term: 30 to 360 days
Interest rate: 1% per 30-day period
Requirements
- Government-issued ID
- Mayor's Business Permit
- DTI or SEC registration
- Proof of bank account
- Corporate documents, if applicable
10. Enterprise Rehabilitation Financing (ERF)
An emergency working capital loan for MSMEs recovering from typhoons, earthquakes, and other calamities. A 3% processing fee applies.
Type of loan: Term loan
Who can avail: MSMEs operating in areas declared under a State of Calamity by the NDRRMC. Must have no past-due SB Corp loans and no major negative credit findings.
Maximum loanable amount: Up to ₱300,000
Loan term: Payable monthly up to 3 years, with an optional grace period of up to 6 months
Interest rate: 1% per month, based on diminishing balance
Requirements
- Government-issued ID of the sole proprietor, managing partner, or president/CEO
- For loans up to ₱100,000: Barangay Certification
- For loans above ₱100,000: Mayor's Permit or BMBE Certificate
- Bank account details under the business name
- Secretary's Certificate, Board Resolution, or Partnership Resolution authorizing the loan, if applicable
- Latest General Information Sheet (corporations) or Articles of Partnership (partnerships), if applicable
- Existing SB Corp borrowers with good repayment status don't need to submit documents
11. Youth Enterprise Fund
A collateral-free loan for young Filipino entrepreneurs growing or expanding their business.
Type of loan: Unsecured term loan
Who can avail: Filipino youth entrepreneurs aged 18 to 30
Maximum loanable amount: Up to ₱500,000
Loan term: Payable monthly up to 3 years
Interest rate: 1% per month, based on diminishing balance
Requirements
- Government-issued ID of the applicant
- Mayor's Permit
- DTI registration (sole proprietorships)
- Business plan (optional for businesses operating 1+ year)
- Proof of bank account
- Corporate documents, if applicable (corporations, partnerships, OPCs, cooperatives)
Which DTI loan is right for your business?
The best DTI loan depends on how long you've been operating, what you need the money for, and the eligibility documents you can provide. For most businesses, DTI RISE UP Micro, DTI SME First-Time Loan, and DTI Business Expansion Financing may be the most accessible, since they're open to businesses in any industry.
- Less than a year in business: Business Expansion Financing
- Microenterprise, 1+ year in business: RISE UP Micro Multi-Purpose Loan (up to ₱300,000)
- SME, 2+ years with BIR-filed financials: RISE UP SME First-Time Borrowers (up to ₱20 million)
- MSMEs that are existing SB Corp borrowers: RISE UP Suki Loan
- Sari-sari store, retailer, or distributor in an FMCG supply chain: RISE UP Micro or SME Tindahan
- Big customer orders to fill: Purchase Order Financing
- Buying a franchise: Franchise Funding
- Hit by a calamity: Enterprise Rehabilitation Financing
- Aged 18–30: Youth Enterprise Fund
- Affected by the Middle East crisis: MSME Business Fund
When to consider another lender alongside a DTI loan
The trade-off to non-collateral DTI loans and their low interest rates is speed. SB Corp receives a large number of applications nationwide, with processing and disbursement taking anywhere from 7 business days to months according to some SME applicants. Some applicants have also reported account registration problems or SB Corp Money app issues while applying. If you need funds sooner, plan ahead or look at other options alongside a DTI loan.
A DTI loan may also not be enough if you need funds quickly, your business is too young to qualify, or the loan cap is too low for your plans. A business credit line can cover the gap while your DTI loan application is processed, and ensure you have enough funds for your business needs.
First Circle’s Business Credit Line is non-collateral SME financing that's free to open and maintain. It has the following benefits:
- Up to ₱25 million of re-usable credit*
- Free to open, with no collateral required
- Interest rates as low as 0.79% per month
- Approval in as fast as 1 business day
Find out if you qualify for our business financing. Get your free credit line assessment in just 3 minutes – no commitment required.
Credit approval, limits, and rates granted may vary upon assessment based on existing First Circle policies.
Frequently Asked Questions
Who can apply for a DTI loan?
In general, Filipino-owned MSMEs with at least 1 year of business history can apply, as long as they can provide the requisite documentary requirements such as a business permit, BIR-submitted financial documents, and proof of a bank account in the business's name.
Can a new business get a DTI loan?
Yes. SB Corp’s Business Expansion Financing is for businesses with 3 to 11 months of operation, and at least 3 months of proven sales. It lends ₱50,000 to ₱3 million, interest-free for the first 12 months. Most other DTI loans need at least 1 year in business, and the RISE UP SME First-Time Borrowers loan needs 2 years with BIR-filed financial statements.
How much can you borrow from a DTI loan?
You can borrow amounts starting from ₱50,000 up to ₱20 million, depending on the loan program and whether you are willing to provide collateral. Just remember that some DTI loans charge a 3% processing fee; factor these into your total borrowing cost.
Do DTI loans require collateral?
Most DTI loans are collateral-free, but borrowers may provide collateral such as real estate assets to get loan amounts over ₱3 million.
What is the interest rate on DTI loans?
RISE UP loans charge 8% to 12% a year, based on diminishing balance. Most other SB Corp programs charge 1% interest per month.
How long does a DTI loan take to get approved?
SB Corp doesn't publish a fixed approval time. Applicants have reported long processing times and account registration problems. If you need funds for an urgent expense, a private lender can be a faster option alongside a DTI loan.
Is there a faster alternative to a DTI loan for small businesses?
Yes. Our company, First Circle, has a Business Credit Line offering up to ₱25 million with no collateral. Monthly interest starts at 0.79% with repayment terms of up to 12 months. You only pay when you use the credit line, so you can even open one as a business emergency fund. Apply for free and get approved in as fast as 24 hours.
Is First Circle connected to DTI?
Yes. First Circle is an official DTI partner since 2018 and have helped over 5,000 MSMEs access financing since 2016. First Circle is registered as a financing company with the Securities and Exchange Commission (SEC), with SEC Registration No. CS201605477 and CA No. 1108.
Information in this list is sourced from publicly available information as of October 2026 and is provided for general reference only. Rates, terms, and eligibility criteria are subject to change without notice. This should not be relied upon as a definitive comparison. Contact SB Corp directly for current offers.
Loan product information, interest rates, and eligibility criteria for First Circle as of date of publication are subject to change at any time without notice. First Circle Growth Finance Corp. is a financing company with SEC Registration No. CS201605477 and CA No. 1108. It is regulated by the Securities and Exchange Commission with the email flcd_queries@sec.gov.ph. For any questions, you may reach out to support@firstcircle.com.
Jess Jacutan
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