An individual loan intended to provide accessible, affordable credit facility to Small and Medium Enterprise (SME) borrowers. A change in mindset from collateral based lending to risk based lending. Risk based lending simply means that the bank has a systematic way of assessing, identifying, quantifying, classifying, and mitigating credit risks.
Loanable amount : P350,000 – P15,000,000
Loan Term : 1 to 3 years (depending on the situation of the business, normally a maximum of 1 year but in some cases can be extended up to a maximum of 3 years)
Eligibility criteria :

  • 21 to 70 years old;
  • Business activity for at least three (3) years of sole proprietorship;
  • Permanent resident within service area of the branch for at least three (3) years;
  • Must be willing to maintain basic set of books;
  • Must be willing to submit monthly, quarterly, semi-annual or annual listing of inventory or receivables and assist in the inspection and verification of said inventory and receivables as stipulated in the loan agreement;
  • Willing to divulge existing loans and collaterals – bank and non-bank.
  • If loans with other institutions are hard collateral, CBI has similar collateral or collateral to be transferred to CBI if possible;
  • Must be willing to submit the true financial statement or willing to cooperate during financial validation;
  • Must be willing to cooperate in the regular monitoring process based agreement
Social Preparation

iCAN Mobile Banking

Stay connected, enjoy peace of mind

Download the iCAN Mobile Bank app and simplify your banking. Discover quick, simple and convenient way to take command of your bank account, on your mobile phone.