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