Enterprise Loan

Enterprise Loan is a credit line especially designed to cater the needs of small and medium enterprise. The credit line has been segregated in two separate types of loans:

1. Capital Expenditures – construction or purchase of fixed assets, transportation equipment, extra machinery, and other equipment necessary for the operation of a business.

2. Working Capital- Cost of Sale (inventories, overhead, etc.)

The purposes of this loan are:

  1. Provision of additional working Capital (Working Capital Loan)
  2. To acquire fixed assets, such as land, buildings, equipment, machinery (Fixed Asset Capital Loan)
  3. For related services, such as equipment installation.



  • Entrepreneurs with existing small or medium enterprises
  • “Graduates” of KB microfinance loan products whose capital requirements exceed the maximum amount allowed for microfinance loans.


Avail for as LOW as 0.63% per month, diminishing!


  • Any Filipino citizen residing in a place and whose principal place of business is operating preferably within the territorial jurisdiction of the bank;
  • He must be at least twenty-one (21) years of age but not more than seventy (70) years old;
  • For sixty-one (61) years old and above, there shall be one (1) family Co-borrower (except spouse) or co-signor;
  • He must be a depositor of the bank;
  • Corporations, Partnerships, Single Proprietorships, Cooperatives and other profit-oriented organizations organized and existing under the Philippine Laws;
  • Client must have an existing business operating for at least 2 years. For BMBE, business is operating at least 2 years; &
  • Total Resources of the enterprise must have at least P3 million. 


  • Accomplished Credit Line Application Form;
  • Board resolution for the credit line application with corresponding authorized signatories if for cooperative, organization or corporation;
  • Photocopy of at least 1 valid ID of authorized signatories (with 3 specimen signatures);
  • Business Registration Papers (Certificate of Business Registration with DTI/SEC, Articles of Incorporation, Articles of Partnership and By-Laws);
  • A Certificate of Authority for businesses registered as BMBE (optional);
  • Trade References of at least 3 major suppliers and customers with contact numbers;
  • Bank Statements – 3 consecutive months within the last 6 months from loan proposal or current date;
  • 2x2 Recent Colored Picture (6 pcs); &
  • Other supporting documents related with the business (Photograph, Receipts, and others).

Additional requirements if there is collateral:

  • Title, Sketch plan with vicinity map, Latest Tax declaration and current Tax receipt for REM;
  • OR, CR, Certificate of Ownership, or Franchise in case of Chattel Mortgage;
  • Current Fire Insurance Policy of the Building/ Equipment if Collateral includes Building;
  • Photograph of property; &
  • If applicable, the requirements stated above must be original/certified true copy.


P 3 Million and Below

  • In-house financial statement for at least 2 years- Balance Sheet and Income Statement (Must be updated every year).

Above P 3 Million

  • Latest AFS/ ITR (BIR stamped) for the last 2 years – with both Income Statement & Balance Sheet except for BMBE registered client.