Especially designed for franchising businesses, BPI Family Ka-Negosyo Franchising Loan offers affordable financing to enable you to start your franchise business today.

bpi kanegosyo business loans chart

Pre-processing requirements

STANDARD REQUIREMENTS

      GENERAL DOCUMENTS

  • Duly Accomplished Application Form
  • Photocopy of Income Tax Return (ITR) for the last 3 years
  • Bank Statements for the past 6 months
  • Copy of Marriage Contract, if applicable

      (+) REAL ESTATE COLLATERAL DOCUMENTS

  • Two (2) Photocopies of Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT) – Owner’s duplicate copy
  • Photocopy of Tax Declaration (land and building, if applicable)
  • Payment of Appraisal Fee 

      (+) FOR FRANCHISING LOAN

  • Franchise Endorsement / Contract with Franchise Owner

      (+) FOR CONSTRUCTION / DEVELOPMENTAL LOAN

  • Building Plan
  • Building Specifications
  • Bill of Materials
  • Development Permit
  • Subdivision Plan
  • Feasibility Study

      ADDITIONAL REQUIREMENTS

      (+) FOR EXISTING ENTREPRENEURS

  • Company Profile
  • Photocopy of BIR-stamped financial statements for the last 3 years
  • Photocopy of Business Registration Certificate / Business Permit / Latest General Information Sheet
  • Photocopy of SEC-validated Articles of Incorporation / By-Laws, if corporation
  • Resume of Major Stockholders, if corporation

      (+) FOR EMPLOYED / FIRST TIME ENTREPRENEURS

  • Updated Certificate of Employment indicating salary, position, and tenure
  • Resume of Loan Applicant
  • Certificate of Employment authenticated by Consul Office, if Overseas Filipino

1. Who are eligible to apply for a BPI Family Ka-Negosyo Business Loan?

Term Loan ·         Filipino Citizen, of legal age but not more than 65 years old upon maturity of the loan.

·         Entrepreneur with at least 3 years of profitable business operation; or, individual with at least 3 years stable income (professionals, OFs, employees)


Credit Line ·         Filipino Citizen, of legal age but not more than 65 years old upon maturity of the loan.

·         Entrepreneur with at least 3 years of profitable business operation.

Franchising Loan ·         Filipino Citizen, of legal age but not more than 65 years old upon maturity of the loan.

·         Entrepreneur with at least 3 years of profitable business operation; or, individual with at least 3 years stable income (professionals, OFs, employees)

Note: Parents may co-borrow together with children who are of legal age

2. How much can I borrow?

Term Loan ·         Minimum of PHP 500,000 Loan Amount

·         Maximum of 70% of appraised value of house and lot

·         Maximum of 60% of appraised value of vacant lot or residential condominium

Credit Line ·         Loanable amount is subject to credit evaluation
Franchising Loan Franchising Loan for Best List Brand Partners

·         Minimum of PHP 100,000 – depending on franchise packages available

·         60% of Total Franchise Investment

Franchising Loan for non-Best List Brands

·         Minimum of PHP 500,000 Loan Amount

·         60% of Total Franchise Investment

3. How much should my minimum household income be to qualify for a loan?

·         Minimum of PHP 50,000

4. What are the loan terms available?

Term Loan ·         Minimum of 1 year

·         Maximum of 10 Years

Credit Line ·         1 year
FranchisingLoan ·         Minimum of 1 year

·         Maximum of 3 Years

5. What collateral is acceptable?

·         Residential and Commercial Real Estate

·         Bank Deposits

·         No Collateral Option – available for Franchising Loans for Best List Franchise Brands. To check the list of Best List Franchise Brands, click here.

6. What are the requirements to apply and avail of a loan?

·         To view complete list of pre-processing requirements, click here.

7. Where can I get more information about Ka-Negosyo Business Loans?

·         For application forms and product information, product brochures are available in all BPI and BFB Branches nationwide.

·         To know how Ka-Negosyo loans can be customized to the business expansion needs of negosyantes, call your Ka-Negosyo Account Officers servicing your areas.

·         Else, e-mail us at kanegosyo@bpi.com.ph, call 754-NEGO(6346), text 0917-8KANEGO / 0922-869NEGO

If you’re ready to grow your business, it’s time to apply for a BPI Family Ka-Negosyo loan.

Apply online now

For any inquiries, contact them via email at kanegosyo@bpi.com.ph, fax # (02) 754-6887, or visit the nearest BPI or BPI Family Savings Bank branch.