BDO Finance



BDO Leasing & Finance, Inc. Transitions to BDO Finance Corporation


Effective 19 October 2020, the operations of BDO Leasing & Finance, Inc. (BDOLF) will be fully transitioned to BDO Finance Corporation (BFC).


This development comes after a restructuring program announced earlier this year by BDOLF’s parent company BDO Unibank, Inc. (BDO), designed to serve its leasing clients better and more efficiently.


BDOLF would like to thank its valued partners for entrusting their leasing and finance requirements to the firm, and looks forward to extending its usual support under the newly formed BFC.



Implementation of Republic Act No. 9510, otherwise known as Credit Investigation System Act (CISA), creating the Credit Information Corporation (CIC). 





Corporate Profile

BDO Finance Corporation (BFC) is a domestic corporation incorporated on 09 December 2019. The Company operates as a leasing and financing institution, which provides direct leases, sale and leaseback arrangements, mortgage lending and factoring.

BFC is wholly-owned by BDO Strategic Property Holdings, Inc. (a subsidiary of BDO Unibank Inc.). BFC is considered a non-bank financial institution whose operations are directly regulated by the Securities and Exchange Commission (SEC) and supervised by the Bangko Sentral ng Pilipinas (BSP).



Corporate Mission

We are in business for our customers, shareholders and employees.

We shall deliver creatively innovative products and cross-sell the BDO Unibank Group’s services supported by procedures, systems and processes which will ensure utmost customer satisfaction.

We shall recognize and reward excellence in our employees and shall provide an environment conducive to maximizing their potentials as we work cohesively as a team.

We shall generate consistently high returns for our shareholders.

We shall maintain a prestigious and professional corporate image and shall actively fulfill our social responsibility.

Total Quality shall be the most important standard in all our activities.


Corporate Vision

We shall be at the forefront of the leasing and financing industry in the Philippines and in the Asia Pacific Region. We shall have the most extensive market reach and shall be composed of highly trained, technically competent and upright professionals working as a team and contributing to the growth of the nation and the communities we serve. Recognizing that the customer is the focus of our activities, we shall be one of the major players in the leasing and financing industry in providing modern and relevant financial services which exceed their expectations.


Core Values

The Company’s corporate governance practices are anchored on BDO’s core values which guide us in our decisions, interactions and relationships with our shareholders and other stakeholders. These are as follows:


Commitment to Customers

We are committed to delivering products and services that surpass customer expectations in value and every aspect of customer services, while remaining prudent and trustworthy stewards of their wealth.


Commitment to a Dynamic and Efficient Organization

We are committed to creating an organization that is flexible, responds to change, and encourages innovation and creativity. We are committed to the process of continuous improvement in everything we do.


Commitment to Employees

We are committed to our employees’ growth and development and we will nurture them in an environment where excellence, integrity, teamwork, professionalism, and performance are valued above all else.


Commitment to Shareholders

We are committed to providing our shareholders with superior returns over the long term.


BDO Unibank, Inc. Group Map

Group Map as of December 31, 2022




Application Requirements

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Preserving capital with these leasing options can drive one's business towards growth. Whether logistics, distribution, medical, pharmaceutical, construction or other industries that require the use of specific equipment, leasing is a viable financing option. It allows the procurement of much-needed equipment without the depletion of available cash or existing credit lines, thereby facilitating better management of cash flow and other financial resources. Leasing offers the following benefits:

  • Higher amount financed
  • Affordable monthly payments
  • Tax-timing benefits
  • No chattel mortgage fees


Finance Lease

Ideal for medium-term financing. With just a minimal capital outlay, essential and necessary  heavy capital equipment can now be acquired and used upon demand.


Operating Lease (under BDO Rental, Inc.)

Allows the lessee to utilize Value Added Taxes (VAT). The lessee only records rent expense which is a deductible expense in its Profit and Loss statement.


Mortgage Loan

Mortgage loan can fulfill real property acquisition requirement through flexible payment options and low downpayment.


Factoring of Receivables

A good alternative for short-term financing, factoring of receivables enables a business to work at  full capacity with the immediate funds generated from it. Through the selling of local trade receivables with no required collateral, BDO Finance advances up to 80% of the value of the invoices, thereby supplying immediate working capital. BDO Finance' experienced collection team also handles the collection.


Other Financing Products

Floor Stock Financing

Receivables Financing



Corporate Governance

Governance Structure

Manual on Corporate Governance

Terms of Reference of Board Committees

Code of Conduct and Business Ethics

Whistle Blower Policy


Company’s Policies

Board Diversity Policy

Director Orientation and Continuing Education Policy

Personal Trading Policy 

Conflict of Interest Policy

Policy and Data Relating to Health, Safety and Welfare of Employees

Dividend Policy

Term Limit of Independent Directors

Related Party Transactions (RPT) Policy


Latest Audited Financial Statement

2022 AFS


National Privacy Commission Certificate and Seal of Registration

BDO Finance Corporation and BDO Rental, Inc. have complied with the registration requirements provided in the Data Privacy Act (DPA) of 2012 and its Implementing Rules and Regulations (IRR) thru the NPC Registration System.


You can contact our Data Protection Officer (“DPO”) through the following address and contact information:

39/F BDO Corporate Center Ortigas, 12 ADB Avenue, Brgy. Wack Wack, Mandaluyong City 1550

+63 (2) 8840-7000

+63 (2) 8688-1288

local 45410


BDO Finance-NPC Certificate of Registration

BDO Rental-NPC Certificate of Registration