Heads Up, Ka-Negosyo: Here’s How to Get a BPI Business Loan

Rouselle Isla

Rouselle Isla

Last updated May 31, 2023

For most Filipinos who want to augment their income, setting up a business and eventually becoming their own bosses is the goal. But it’s no bed of roses, especially when you’re not sure how to fund your day-to-day operations, replenish your inventory, or expand your business. 

Thankfully, there are loans, such as a BPI Business Loan, to help finance your business operations. In this article, learn about the different BPI Ka-Negosyo Loans, loan requirements, and application procedures.

What is BPI Ka-Negosyo Loan? 

In an effort to help small-to-medium enterprises (SMEs) in the Philippines overcome business challenges and take advantage of emerging market opportunities, the Bank of the Philippine Islands (BPI) introduced a new loan program in 2022 called the Ka-Negosyo Loan. 

SMEs seeking business funding through BPI can leverage the Ka-Negosyo Credit Line, Ka-Negosyo SME Loan, Ka-Negosyo Ready Loan, and Ka-Negosyo SME for Property Loan. 

🤔 BPI Ka-Negosyo Loan vs BPI Personal Loan: What is the Difference? 

You’re probably wondering: why apply for a business loan when you can just get a personal loan? Even if they can serve the same purpose, the BPI Ka-Negosyo Loan and the BPI Personal Loan are pretty different. Check out this comparison table below:

  BPI Ka-Negosyo Loan BPI Personal Loan
Purpose For business-related expenses such as working capital, business expansion, acquisition of vehicle, equipment, or real estate, franchise financing, trade-related activities, etc.  For personal expenses such as home renovation, travel, education, medical bills, gadget/home appliance purchases, etc. 
Loan amount ₱300,000 to ₱15 million Loan amounts of ₱15,000 to ₱3 million
Repayment period Three months to 20 years, depending on the Ka-Negosyo Loan Repayment period of up to 36 months
Requirements More/different sets of requirements for individuals/sole proprietors and partnerships/corporations Fewer loan requirements
Interest BPI business loan interest rate based on prevailing market rates   Monthly add-on rate of 1.2%


Read more: Startup Business Loans: An Entrepreneur’s Comprehensive Guide

BPI Business Loan: 4 Options to Fund Your SME Needs

📌 Ka-Negosyo Credit Line

bpi business loan - Ka-Negosyo Credit Line

  • Loan amount: Starting at ₱1 million
  • Loan term: One year (renewable)
  • Interest rate: Based on prevailing market rates
  • Collateral: Optional (deposit, investment, or real estate mortgage)

This BPI Ka-Negosyo Loan is ideal for funding working capital requirements or recurring business expenses such as raw materials, finished goods inventory, utilities, employee wages, sales and distribution costs, and equipment repair or maintenance. 

Business owners can also use this BPI SME loan anytime for their short-term financial needs. 

Instead of receiving a lump sum, you get a BPI Ka-Negosyo Credit Line. You can borrow fully or partially from your credit line. Any unused credit line will not earn any interest charges. 

Enjoy fast approval for your application. Moreover, you can receive the loan proceeds conveniently via check, the BPI Mobile app, or your BPI Debit Card. 

📌 Ka-Negosyo Ready Loan

bpi business loan - Ka-Negosyo Ready Loan

  • Loan amount: Starting at ₱300,000
  • Loan term: Up to six months
  • Interest rate: Based on prevailing market rates
  • Collateral: None

Another SME business loan from BPI is the Ka-Negosyo Ready Loan, offered to small and medium-sized enterprises to help fund their seasonal working capital requirements. Use it during peak business seasons or harvest seasons to stock up on holiday inventory or supplies. 

It offers flexible repayment terms and lower rates for your succeeding Ka-Negosyo Ready Loans. 

📌 Ka-Negosyo SME Loan

bpi business loan - Ka-Negosyo SME Loan

  • Loan amount: Starting at ₱300,000
  • Loan term: Up to five years
  • Interest rate: Based on prevailing market rates
  • Collateral: Optional (deposit, investment, or real estate mortgage)

If you plan to grow your business, you can benefit from the Ka-Negosyo SME Loan. Avail of this loan to fund your working capital, purchase new equipment, or expand your product lines.

Application is fast and convenient; you can apply with or without collateral.  

📌 Ka-Negosyo SME Loan for Property

bpi business loan - Ka-Negosyo SME Loan for Property

  • Loan amount: Starting at ₱1 million
  • Loan term: Up to 10 years for construction or renovation, up to 20 years for acquisition 
  • Interest: Based on prevailing market rates
  • Collateral: Real estate mortgage

This is similar to the Ka-Negosyo SME Loan. But this BPI business loan is for investing in your business through the purchase or construction of assets. 

Enjoy fixed-rate interest pricing and up to 90% loan-to-collateral ratio with this BPI Ka-Negosyo Loan. As such, you must provide additional requirements and collateral for your property acquisition or construction loan. 

If you’re not sure what type of BPI Business Loan works for your small business, you can answer the Ka-Negosyo Loan Finder[1] online.  

Read more: 

Apply for a personal loan through Moneymax

BPI Ka-Negosyo Loan Requirements 

To qualify for a BPI Negosyo Loan, you must meet the following criteria: 

  • Filipino citizen
  • At least a year of Philippine resident tenure
  • Business operations of at least three years

You can further check your eligibility for a BPI Ka-Negosyo Loan by answering the Eligibility Checker.[2] 

Are you eligible? Have you found the right loan product for your business? Then prepare the following BPI business loan requirements.

👉 Requirements for Individuals and Sole Proprietors 

  • Accomplished loan application form[3]
  • Valid ID of borrower and spouse, if applicable
  • ​DTI Registration or Business Permit​
  • Bank statements for the last three months 
  • Income Tax Return (ITR) for the last three years
  • Audited Financial Statements (AFS) for the last three years
  • For Ka-Negosyo Credit Line: Collateral documents 

👉 Requirements for Partnerships and Corporations  

  • Accomplished loan application form
  • Valid IDs of majority shareholders or authorized signatories ​
  • SEC Registration​
  • Bank statements for the last three months 
  • Income Tax Return (ITR) for the last three years (if aggregate loan exposure is higher than ₱3 million)
  • Audited Financial Statements (AFS) for the last three years (if aggregate loan exposure is higher than ₱3 million)
  • Latest General Information Sheet
  • Articles of Incorporation/Partnership and By-Laws

How to Apply for Ka-Negosyo Loan in BPI

bpi business loan - how to apply for ka-negosyo loan

There are several ways to apply for a BPI Business Loan. You may apply through any of the following: 

  • Online - Enter the Unique ID sent to your email when you answered the Eligibility Checker or Ka-Negosyo Loan Finder and then fill out the loan application form. 
  • Branch visit - Go to any BPI branch and apply personally. 
  • Telephone - Call (02) 7918-2000 and select option 2 for Business Loans. 
  • Email - Send an email to bbclientservices@bpi.com.ph.

Related reading: Smart Tips to Get Approved for a Business Loan

Final Thoughts 

Explore these BPI business loan options to see what works best for your business needs. While you’re at it, you might want to consider taking out a personal loan, which can be a good source of funding for SMEs as well. Compare them for free and apply for a personal loan easily via Moneymax.

Loan Amount

Monthly Add-on Rate

Minimum Annual Income

Approval Time

UnionBank Personal Loan
Compare Now
Up to ₱2 million
As fast as 5 minutes
UNO Digital Bank Personal Loan
uno digital bank
Compare Now
₱10,000 to ₱500,000
7 banking days
Metrobank Personal Loan
Compare Now
₱20,000 to ₱2 million
1.25% to 1.75%
7 banking days
BPI Personal Loan
bpi logo
Compare Now
20,000 to  ₱3 million
5 to 7 banking days
Tonik Credit Builder
Compare Now
Up to ₱20,000
Up to 4.84%
Inquire with Tonik
2 banking days
Tala Loan

Compare Now

₱1,000 to ₱25,000
0.43% to 0.5% daily
24 hours
HSBC Personal Loan
Compare Now
30,000 to ₱500,000
5 to 7 banking days
CIMB Personal Loan
Compare Now
30,000 to ₱1 million
As low as 0.83%
2 banking days
Maybank Personal Loan
Maybank logo 2011-1
Compare Now
50,000 to ₱1 million
5 to 10 banking days
RCBC Bank Personal Loan
Compare Now
Up to ₱2 million
5 to 7 banking days
SB Finance Personal Loan

Compare Now
₱30,000 to ₱2 million
5 banking days
CTBC Bank Personal Loan
Compare Now
₱500,000 to ₱2 million
1.39% to 1.79%
1 to 5 banking days
PSBank Personal Loan
Compare Now
₱20,000 to ₱250,000
1.75% or 2.5% 
5 to 9 banking days


Rouselle has over eight years of writing experience in the personal finance niche. She has written feature stories, articles, and how-to guides on various personal finance and trending lifestyle topics. Before that, she briefly worked in banking and was a licensed life insurance advisor. When not writing, Rouselle likes to read books and binge-watch films and series. Follow Rouselle on Linkedin.


Use a personal loan to consolidate your outstanding debt at a lower interest rate!

Get the latest articles, promos, and deals straight to your inbox. Make us your weekly habit!