Guide on BDO Business Loans 2025 & their Qualifying Criteria for Application
BDO BUSINESS LOANS 2025 – Here is a list of excellent options that were crafted by the BDO Unibank to help businesses achieve success.
Many huge businesses in the Philippines have once conquered their day-to-day needs as they grow while dealing with a loan repayment. Those business owners grabbed the chance to maximize their small business so it can achieve greater heights at the soonest time possible.

In the Philippines, one of the reputable banks that you can turn to for business loan offers is the BDO Unibank. There are several BDO business loans that were crafted to attend to the different needs of businesses for the purpose of growth as well as in funding projects.

Here are the different BDO Business Loans that you might want to apply for and their eligibility criteria for application:
BDO Project Finance Loan
BDO Unibank offers a Project Finance Loan that is ready to help you accommodate projects that require huge working capitals. It is best suited for the following purposes:
- Greenfield projects
- Independent power generation facilities
- Facility expansion projects
- Production expansion projects
- Natural resources projects
- Public infrastructure projects:
- toll-raid systems
- airports
- shipping ports
- railway systems
There are only a few eligibility criteria in applying these loan offer. To qualify for this loan, the business should meet the following qualifications:
- total project cost should be comparable to projects of similar type and size for a particular market
- project must have long-term contracts from creditworthy entities for the purchase of the project’s output and inputs such as fuel, raw materials, and operations and maintenance
- pricing and costs should reflect market-based pricing
- project must have an appropriate allocation of risk to the parties best suited to manage those risks
To know more about the offer like its loanable amounts, it would be best to visit our special feature of the BDO Project Finance Loan offer.
BDO Working Capital Loan
Many businesses undeniably failed because of insufficient working capitals. Thus, one of the BDO business loans is the Working Capital Loan that provides several options to help businesses meet their financial needs or acquire an access to resources. It provides the following:
- Short-Term Loan
- Credit Line
- Post-Dated Check Discounting
- Inventory Financing with Trust Receipt (IFTR)
- Letters of Credit with Trust Receipt (LCTR)
There are situations that the BDO Working Capital Loan offer is truly suited for. This business loan offer best suits the following:
- one-time payments
- recurring payments
- pre or post-financing requirements
- post-dated check discounting
- supplier payments
- domestic and international transactions
Just like in other BDO business loans, there are eligibility criteria under this offer. To qualify for the loan, the business should meet the following qualifications set by the reputable banking entity:
- Pricing and costs should reflect market-based pricing.
- The project should have long-term contracts from credit-worthy entities for the purchase of the project’s output and inputs such as fuel, raw materials, and operations and maintenance.
- Total project cost should be comparable to projects of similar type and size for a particular market.
- The project should have an appropriate allocation of risk to the parties best suited to manage those risks. Sensitivity analysis should result in a sufficient debt service coverage ratio to ensure regular debt servicing for the term of the debt.
Are you interested to apply for the loan offer? You might like to know more about the BDO Working Capital Loan.
BDO Term Loan
Also one of the BDO business loans is the Term Loan. This loan offer aims to help businesses hit targets while considering the project time frame for the repayments. It is best suited for any of the following moves that may require huge cash:
- construction of building
- purchase of equipment
- expansion and modernization
- construction of factories
- building of plants
- leasehold improvements
Do you want to know more about the BDO Term Loan offer?
BDO Multipurpose Loan
Another excellent offer of the bank is the BDO Multipurpose Loan. It is both a personal and business loan offer that you can turn to for your cash needs. As its name suggests, it can finance several purposes. It is open for individuals who meet the following eligibility requirements for application:
- at least 21 years old but not exceeding 70 years old at the end of the loan term
- with stable source of income from employment or business
- minimum annual gross sales of ₱1M for business or;
- minimum monthly gross income of ₱50,000 for employed individuals
- business is within BDO serviceable area
You might like to know more about this offer. It is best to check our special feature of the BDO Multi-Purpose Loan to know the loanable amounts, loan terms, as well as the requirements for application.