{"id":259,"date":"2018-06-20T02:36:18","date_gmt":"2018-06-20T02:36:18","guid":{"rendered":"https:\/\/10.100.23.115:81\/cardmri2\/cardsmebank\/?page_id=259"},"modified":"2023-10-10T01:49:39","modified_gmt":"2023-10-10T01:49:39","slug":"sme-loans","status":"publish","type":"page","link":"https:\/\/cardsmebankph.com\/?page_id=259","title":{"rendered":"SME Loans"},"content":{"rendered":"

Express Working Capital Loan<\/strong><\/p>\n

a) Term Loan<\/p>\n

A loan which is specifically designed for your businesses that from time to time, requires financing to bridge gaps in your cash flow. This type of loan can be used to: fund day to day operations, replenish stocks or inventory or any other short-term requirements.<\/p>\n

b) Revolving Credit Line<\/p>\n

Maximum term for each credit line availment is 180 days wherein principal is payable upon maturity. Depending on your needs, Express Working Capital can be a term loan with fixed\u00a0 terms of three months to three years and loanable amount starts at \u00a0PhP100,000.<\/p>\n

Loan Term<\/strong><\/p>\n\n\n\n\n\n\n
Loanable Amount<\/td>\nStarts at P100,000<\/td>\n<\/tr>\n
Term<\/td>\n3 months to 3 years<\/td>\n<\/tr>\n
Mode of Payment<\/td>\nMonthly<\/td>\n<\/tr>\n
Interest Rate<\/td>\nPrevailing Interest Rate<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

\u00a0<\/strong>\u00a0<\/strong>Revolving Credit Line<\/strong><\/p>\n\n\n\n\n\n\n\n
Loanable Amount<\/td>\nStarts at P500,000<\/td>\n<\/tr>\n
Validity Period<\/td>\nOne (1) year; Renewable annually<\/td>\n<\/tr>\n
Availment\/PN Term<\/td>\nMinimum of 90 days and Maximum of 180 days<\/td>\n<\/tr>\n
Mode of Payment<\/td>\nInterest\u00a0 \u2013 discounted in advance for 3 months Principal \u2013 payable upon maturity<\/td>\n<\/tr>\n
Interest Rate<\/td>\nPrevailing Interest Rate<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0<\/strong><\/p>\n

Express Investment Loan<\/strong><\/p>\n

A short to medium term loan to assist you in your planned expansion by financing purchase of land for business use, equipment or delivery vehicles, construction of a new warehouse, office building or manufacturing plant or even renovation of existing ones. You can avail of up to PhP 5 million loan and choose among our flexible terms that will match your cash flow.<\/p>\n

Notes:<\/strong><\/p>\n

    \n
  1. Loanable amount will depend on the result of credit evaluation on the borrower.<\/li>\n
  2. Prevailing interest rates on the date and time of approval shall apply.<\/li>\n<\/ol>\n\n\n\n\n\n\n\n
    Loanable Amount<\/td>\nStarts at P100,000<\/td>\n<\/tr>\n
    PN Term<\/td>\n3 months to 5 years<\/td>\n<\/tr>\n
    Grace Period<\/td>\nMaximum of Six\u00a0 (6) Months on Principal<\/td>\n<\/tr>\n
    Mode of Payment<\/td>\nMonthly<\/td>\n<\/tr>\n
    Interest Rate<\/td>\nPrevailing Interest Rate<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    Express Working Capital Loan II<\/strong><\/p>\n

    This is additional working capital loan offered to the clients to support their business needs. This will ensure that business enterprise of our clients will sustain its additional working capital for business continuity.<\/p>\n

    OTHER CONSUMER LOANS<\/strong><\/p>\n

    Bahay Katuparan Loan (Housing Loan)<\/strong><\/p>\n

    As part of our commitment to alleviating poverty in the country, we have recently launched \u201cBahay Katuparan Loan\u201d, a housing loan facility for our members and non-members alike, to make it easier for them to buy their dream home. With high appraisal value and low equity payment requirement coupled with flexible terms and interest rates, their dream of having their own home becomes a reality. Simply put, \u201cBahay Katuparan\u201d.<\/p>\n\n\n\n\n\n\n
    Loanable Amount<\/td>\nStarts at P300,000<\/td>\n<\/tr>\n
    Loan Term<\/td>\n1 year to 25 years<\/td>\n<\/tr>\n
    Mode of Payment<\/td>\nMonthly<\/td>\n<\/tr>\n
    Interest Rate<\/td>\nPrevailing Interest Rate<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

     <\/p>\n\n\n\n\n\n\n\n\n\n
    Interest Rate (Subject to re-pricing; to be based on prevailing interest rate at the time of review<\/td>\n8.00%<\/td>\nFixed for one to two years<\/td>\n<\/tr>\n
    8.25%<\/td>\nFixed for three to five years<\/td>\n<\/tr>\n
    9.50%<\/td>\nFixed for six to 10 years<\/td>\n<\/tr>\n
    10.50%<\/td>\nFixed for 11 to 15 years<\/td>\n<\/tr>\n
    11.25%<\/td>\nFixed for 16 to 20 years<\/td>\n<\/tr>\n
    12.00%<\/td>\nFixed for 21 to 25 years<\/td>\n<\/tr>\n
    12% p.a<\/td>\nFixed: for multi-purpose loan<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

     <\/p>\n

    Drive Ur Wheels (Car Loan)<\/strong><\/p>\n

    A car loan offered to individuals and business entities who would want to purchase a brand new\u00a0 car for either private or public use.<\/p>\n

     <\/p>\n\n\n\n\n\n\n
    Loanable Amount<\/td>\n80% of dealer\u2019s price<\/td>\n<\/tr>\n
    Loan Term<\/td>\n1 year to 5 years<\/td>\n<\/tr>\n
    Mode of Payment<\/td>\nMonthly<\/td>\n<\/tr>\n
    Interest Rate<\/td>\nPrevailing Interest Rate<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

     <\/p>\n

    AgriBusiness Loan<\/strong><\/p>\n

    Financing producers in rural sector to support expansion plans.<\/p>\n

     <\/p>\n\n\n\n\n\n\n
    Loanable Amount<\/td>\nStarts at P100,000<\/td>\n<\/tr>\n
    Loan Term<\/td>\nLoanable Term<\/p>\n

    For Crops:1 -18 months depending on crops planted, For Livestock: 6 -36 months and 6 to 60 months for Investment (Fixed Assets Acquisition\/Building Construction and Renovation.)<\/span><\/td>\n<\/tr>\n

    Mode of Payment<\/td>\nMonthly, Quarterly or based on production cycle<\/td>\n<\/tr>\n
    Interest Rate<\/td>\nPrevailing Interest Rate<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

     <\/p>\n","protected":false},"excerpt":{"rendered":"

    Express Working Capital Loan a) Term Loan A loan which is specifically designed for your businesses that from time to time, requires financing to bridge gaps in your cash flow. This type of loan can be used to: fund day to day operations, replenish stocks or inventory or any other short-term requirements. b) Revolving Credit […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":24,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"_links":{"self":[{"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=\/wp\/v2\/pages\/259"}],"collection":[{"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=259"}],"version-history":[{"count":22,"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=\/wp\/v2\/pages\/259\/revisions"}],"predecessor-version":[{"id":2033,"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=\/wp\/v2\/pages\/259\/revisions\/2033"}],"up":[{"embeddable":true,"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=\/wp\/v2\/pages\/24"}],"wp:attachment":[{"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=259"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}