{"id":3499,"date":"2025-07-17T03:00:32","date_gmt":"2025-07-17T03:00:32","guid":{"rendered":"https:\/\/www.rizalmicrobank.com\/?p=3499"},"modified":"2026-08-07T03:58:56","modified_gmt":"2026-08-07T03:58:56","slug":"smallbizterm-loan","status":"publish","type":"post","link":"https:\/\/www.rcbcmicrobank.com\/index.php\/smallbizterm-loan\/","title":{"rendered":"Small Biz Regular Loan"},"content":{"rendered":"<p align=\"justify\"><em><strong>Small Biz Regular Loan<\/strong><\/em><\/p>\n<p align=\"justify\">The Small Biz Regular Loan is an individual loan product designed to cater the financial needs of businessmen who wish to further improve their business operations. It aims to make available affordable and easily accessible credit to entrepreneurs to help them finance and\/or expand their present business operations and increase their incomes.<\/p>\n<hr \/>\n<p><strong><u>Loan Amount<\/u><\/strong><\/p>\n<p>Loan amount ranges between \u20b11,000,000.00 to \u20b120,000,000.00 subject to client\u2019s capacity to pay. Loan increases are subject to repayment behavior and capacity evaluation.<\/p>\n<p><strong><u>Loan Purpose<\/u><\/strong><\/p>\n<ul>\n<li aria-level=\"1\">Additional working capital<\/li>\n<li aria-level=\"1\">Purchase of business equipment and vehicle<\/li>\n<li aria-level=\"1\">Business expansion\/branching<\/li>\n<\/ul>\n<p><strong><u>Qualifications<\/u><\/strong><\/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<ul>\n<li>Up to 36 months for working capital purposes<\/li>\n<li>Up to 60 months for capital expenditure<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\"><strong>Frequency of Payment<\/strong><\/span><\/p>\n<p>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<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Small Biz Regular Loan The Small Biz Regular Loan is an individual loan product designed to cater the financial needs of businessmen who wish to further improve their business operations. It aims to make available affordable and easily accessible credit to entrepreneurs to help them finance and\/or expand their present business operations and increase their [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":3771,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[37],"tags":[],"class_list":["post-3499","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\/3499","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=3499"}],"version-history":[{"count":20,"href":"https:\/\/www.rcbcmicrobank.com\/index.php\/wp-json\/wp\/v2\/posts\/3499\/revisions"}],"predecessor-version":[{"id":4703,"href":"https:\/\/www.rcbcmicrobank.com\/index.php\/wp-json\/wp\/v2\/posts\/3499\/revisions\/4703"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rcbcmicrobank.com\/index.php\/wp-json\/wp\/v2\/media\/3771"}],"wp:attachment":[{"href":"https:\/\/www.rcbcmicrobank.com\/index.php\/wp-json\/wp\/v2\/media?parent=3499"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rcbcmicrobank.com\/index.php\/wp-json\/wp\/v2\/categories?post=3499"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rcbcmicrobank.com\/index.php\/wp-json\/wp\/v2\/tags?post=3499"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}