{"id":3496,"date":"2025-07-17T02:50:38","date_gmt":"2025-07-17T02:50:38","guid":{"rendered":"https:\/\/www.rizalmicrobank.com\/?p=3496"},"modified":"2026-08-07T03:59:43","modified_gmt":"2026-08-07T03:59:43","slug":"smallbiz-lite","status":"publish","type":"post","link":"https:\/\/www.rcbcmicrobank.com\/index.php\/smallbiz-lite\/","title":{"rendered":"Small Biz Lite"},"content":{"rendered":"<p><em><strong>Small Biz Lite<\/strong><\/em><\/p>\n<p>The Small Biz Lite aims to provide financial capital to micro and small entrepreneurs who are capable of borrowing at least \u20b150,000 with the intention to improve their business operations. Such access to credit will enable these clients to expand their business and consequently, increase their income. The product primarily targets entrepreneurs who generate daily, weekly, semi-monthly or monthly income, have adequate financial records and have been operating for at least three years.<\/p>\n<hr \/>\n<p><span style=\"text-decoration: underline;\"><strong>Loan Amount<\/strong><\/span><\/p>\n<p>Loan amount ranges between \u20b150,000.00 to \u20b11,000,000.00 subject to client\u2019s capacity to pay. Loan increases are subject to repayment behavior and capacity evaluation.<\/p>\n<p><span style=\"text-decoration: underline;\"><strong>Loan Purpose<\/strong><\/span><\/p>\n<ul>\n<li>Additional Working Capital<br \/>\nPurchase of business equipment and vehicle<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\"><strong>Qualifications<\/strong><\/span><\/p>\n<ul>\n<li>Single Proprietorship, Partnership, Corporation or Cooperative<\/li>\n<li>21 and above, should not exceed 70 years old at the time of loan maturity<\/li>\n<li>Resident in the branch trade area for at least three years<\/li>\n<li>Business has been existing for at least three years<\/li>\n<li>Willing to open a Contractual Savings with RMB and save while there is an active loan<\/li>\n<li>Anti-Money Laundering Risk Rating should not be \u201chigh\u201d risk<\/li>\n<li>Not considered to be a Politically Exposed Person<\/li>\n<li>Nature of business is not included in the International Finance Corporation (IFC) Exclusion List<\/li>\n<li>Eligible based on credit bureau data policy<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\"><strong>Loan Term<\/strong><\/span><\/p>\n<p>12 months for loans up to PhP300,000<br \/>\n36 months for loans more than P300,000 to P1,0000,000<\/p>\n<p><span style=\"text-decoration: underline;\"><strong>Frequency of Payment<\/strong><\/span><\/p>\n<p>Semi-Monthly, Monthly payment of Principal, Interest and Contractual Savings<\/p>\n<p><strong><a class=\"maxbutton-1 maxbutton maxbutton-apply-now\" target=\"_blank\" rel=\"noopener\" href=\"https:\/\/rcbc.com\/SDERMB\"><span class='mb-text'>Apply Now<\/span><\/a><\/strong><\/p>\n<p>&nbsp;<\/p>\n<div style=\"height: 30px; text-align: left;\"><strong>Download Loan Application Form<\/strong><\/div>\n<ul>\n<li class=\"wp-posts-carousel-buttons\" style=\"text-align: left;\"><a href=\"https:\/\/www.rcbcmicrobank.com\/wp-content\/uploads\/SBLAF_ISP-v.2026.pdf\">Individual \/ Sole Proprietorship<\/a><\/li>\n<li class=\"wp-posts-carousel-buttons\" style=\"text-align: left;\"><a href=\"https:\/\/www.rcbcmicrobank.com\/wp-content\/uploads\/SBLAF_CPC-v.2026.pdf\">Cooperative \/ Partnership \/ One-Person Corporation \/ Corporation<\/a><\/li>\n<li><a href=\"https:\/\/www.rcbcmicrobank.com\/wp-content\/uploads\/SBLAF-Annex-v.2026.pdf\">Additional Borrower Information<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Small Biz Lite The Small Biz Lite aims to provide financial capital to micro and small entrepreneurs who are capable of borrowing at least \u20b150,000 with the intention to improve their business operations. Such access to credit will enable these clients to expand their business and consequently, increase their income. The product primarily targets entrepreneurs [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":4289,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[37],"tags":[],"class_list":["post-3496","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan"],"_links":{"self":[{"href":"https:\/\/www.rcbcmicrobank.com\/index.php\/wp-json\/wp\/v2\/posts\/3496","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rcbcmicrobank.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rcbcmicrobank.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rcbcmicrobank.com\/index.php\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rcbcmicrobank.com\/index.php\/wp-json\/wp\/v2\/comments?post=3496"}],"version-history":[{"count":10,"href":"https:\/\/www.rcbcmicrobank.com\/index.php\/wp-json\/wp\/v2\/posts\/3496\/revisions"}],"predecessor-version":[{"id":4704,"href":"https:\/\/www.rcbcmicrobank.com\/index.php\/wp-json\/wp\/v2\/posts\/3496\/revisions\/4704"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rcbcmicrobank.com\/index.php\/wp-json\/wp\/v2\/media\/4289"}],"wp:attachment":[{"href":"https:\/\/www.rcbcmicrobank.com\/index.php\/wp-json\/wp\/v2\/media?parent=3496"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rcbcmicrobank.com\/index.php\/wp-json\/wp\/v2\/categories?post=3496"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rcbcmicrobank.com\/index.php\/wp-json\/wp\/v2\/tags?post=3496"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}