Ready For your Next Investment?: Learn the Latest Business Loans Available For Your Construction Business in 2025

Whether you’re planning to build from the ground up, expand your commercial footprint, or secure a solid long-term asset, real estate remains one of the smartest plays for business owners and investors alike. In the Philippines, interest in property investment continues to rise, fueled by urban growth, rising land values, and increasing demand for strategic development.

Banks have stepped up to meet this demand with a range of construction and business property loan options designed to match different investment goals. From flexible payment terms to competitive interest rates, these financial tools can help turn your plans into a tangible asset. 

However, determining the most suitable loan for your needs and comprehending how banks evaluate your application can significantly impact your experience.

In this article, we’ll break down the latest loan offers, interest rates, and eligibility criteria from top banks in the Philippines so you can move forward with confidence.

How Banks Enable Business Property Development

Banks help make property investment possible through structured financial products. Construction loans, for example, provide capital for building new facilities, while commercial real estate loans help businesses acquire land or existing structures. These loans come with long repayment terms, manageable interest rates, and repayment plans tailored to business needs.

The right bank does more than provide funding. It also acts as a financial partner that supports your business goals, whether you’re building from the ground up or expanding through new acquisitions.

Philippine Bank Institutions Offering Business Property Loans

1. Security Bank – Business Mortgage Loan

This loan is suitable for businesses looking to purchase property for operations or investment. The offering is flexible, with options for various business types, including sole proprietorships, partnerships, and corporations.

Loan Type:

• Mortgage-backed loan for property acquisition
• Available for commercial, residential, or mixed-use properties
• Loan amounts from ₱1 million to ₱50 million
• Terms of up to 20 years
• Up to an 80% loan-to-value ratio

Requirements:

• Businesses must be registered with the DTI (for sole proprietors) or the SEC (for partnerships and corporations).
• Must be operating for at least 3 years with profitable performance
• Start-ups operating for less than 3 years may still qualify on a case-by-case basis
• Documentary requirements vary depending on business structure
• Additional documents may be required depending on the specific use of the loan

The application process and checklist are clearly outlined on their website. You’ll find a comprehensive breakdown of eligibility, fees, and needed documents here: Security Bank Business Mortgage Loan

2. BPI – Ka-Negosyo and Home/Business Loans

Entrepreneurs planning to acquire or build property assets for business use can apply for BPI’s Ka-Negosyo SME Loan for Property Acquisition. It offers:

• Minimum loan amount: PHP 1,000,000
• Maximum term: 10 years
• Collateral: Real estate mortgage required
• Available for both property acquisition and construction

Eligibility criteria include:

• At least three years in business operations
• 100% Filipino-owned business
• At least 1 year of residency in the Philippines (for individual borrowers)

For sole proprietors and individuals:

• Application form, DTI permit, valid IDs
• Spouse’s ID (if applicable)
• Last 3 months’ bank statements
• Latest 3 years’ ITR and Audited Financial Statements

For partnerships and corporations:

• Application form, SEC registration, updated GIS
• Articles of Incorporation/Partnership and By-Laws
• IDs of the majority shareholders or authorized signatories
• 3 months’ bank statements
• 3 years’ ITR and AFS (for loan exposures above PHP 3M)

BPI notes that the basic requirements may vary based on the specific circumstances of each application.  Explore full loan details here: https://www.bpi.com.ph/sme-banking/loans/property-acquisition-loan

3. Metrobank – Puhunan Loan

Metrobank’s Puhunan Loan is designed to support the working capital and fixed capital needs of SMEs. Whether you’re looking to purchase property, construct or upgrade facilities, buy inventory, or manage receivables and payables, this loan offers a tailored solution based on your business cash flow.

Key Features:

• Available for working capital or fixed capital expenses
• Quick fund release after approval and document completion
• Structured to match business cash flow
• Can be used for inventory, equipment, or property-related costs

Requirements:

For Sole Proprietorship:

• Certificate of Business Registration
• Application for Registration of Business Name
• One government-issued photo ID
• Proof of Income
• Standard Business Loan Application Form (SBLAF – Individual)

For Partnership:

• Articles of Partnership
• SEC Certificate of Filing Articles of Partnership
• DTI Certificate of Registration
• Certified list of authorized officers
• Proof of Income
• SBLAF – Institutional

For Corporation:

• Articles of Incorporation (including any Amendments)
• SEC Certificate of Registration
• SEC Certificate of Filing of By-Laws and Articles
• Certified list of officers and Community Tax Certificate
• Proof of Income
• SBLAF – Institutional 

Additional documents may be required based on the bank’s evaluation. You can learn more about the specifications of the loan here: Metrobank Puhunan Loan Information

4. PNB (Philippine National Bank) – SME Loans

PNB offers a range of term and specialized loans tailored for business expansion and project financing.

• Medium-Term Loans – Maturity over 1 year but not exceeding 5 years
• Long-Term Loans – Maturity of more than 5 years
• Specialized Lending Programs – Designed for income-generating assets such as construction or equipment, with repayment structured around the asset’s cash flow rather than the borrower’s credit score

Interest Rates and Fees:

• Interest rates range from 7% to 10% (Subject to market conditions and loan assessment)
• Standard fees apply for appraisals, document processing, and loan booking
• Late payment fees: up to 24% p.a. for peso loans and 12% p.a. for FX loans
• Additional charges for trade-related loans include commissions, cable fees, and documentary stamp taxes

Requirements

To qualify, the business must meet the following conditions:

• Registered sole proprietorship, partnership, corporation, or cooperative
• Operational and profitable for at least three years
• Official registration with the SEC, DTI, or CDA
• Located within a PNB serviceable area

PNB also requires relevant documents, which may vary based on the loan type and business structure. These include permits, financial statements, and property documents.

Learn more about the application process and required documents here: PNB Business Loans Website

5. Sterling Bank of Asia – Business Loans

Sterling Bank of Asia offers a wide range of business loan products to support companies at different stages of growth. Whether you’re managing cash flow, expanding operations, or developing real estate, there’s a loan option designed to match your needs. 

Its developmental loan is specifically designed for real estate developers to fund their construction, excavation, and infrastructure. It also provides other types of financing, such as: 

• Short-Term Loans
• Term Loans
• Trade Check Discounting
• Standby LC / Bank Guarantee
• Domestic LC / Trust Receipt (TR)
• Import LC / TR
• Domestic Bills Purchase

Eligibility Requirements:

• At least one major owner must be a Filipino citizen
• Age requirement: 21–65 years (upon loan maturity)
• Business must be registered and operational in the Philippines for at least 3 years
• The company must show profitable operations over the past 3 years
• No adverse credit findings on the business or its key stakeholders

You can learn more about Sterling Bank of Asia’s loan specifications and other eligibility requirements for sole proprietorships and corporations through their webpage here: Sterling Bank of Asia Business Loans

Applying for a Business Property Loan: A Guide

Applying for a loan is a big move for business owners, especially MSMEs looking to launch or grow their operations. It can open up new opportunities, but it’s also a serious financial commitment. No matter how promising things seem, taking out a loan always comes with some level of risk.

Before applying, prepare key documents including:

• Business permits and registration
• Latest financial statements
• Property documents or land titles

Make sure you’re eligible before deciding which loan to apply for. Banks will look into your ability to repay, which includes checking your collateral, credit standing, and how your business is performing. Once you’ve got everything in order, go ahead and submit your application for review. If you get approved, take time to go through the contract carefully before signing.

Every bank has its process, so it’s a good idea to confirm the specific requirements and timelines with your chosen institution.

Making the Right Move

Applying for a loan is a big move for any business owner. Many banks in the Philippines provide financing programs to assist you in initiating or expanding your existing operations. Still, it’s something that needs careful planning. Just because you’re eligible to borrow doesn’t mean it’s the right time to do it.

Investing in property can be a great way to grow your business, especially when it’s backed by proper research, solid planning, the right financial partner, and a clear goal. Know what you’re signing up for, understand your repayment terms, and see how the loan supports your long-term plans.