1. Apply for a BDO SME Loan and enjoy waived fees up to P 30,000.

  2. The promo is open to those SME Loan applications approved from February 14 to August 15, 2023 (Promo Period). Application may be submitted through any BDO Branch nationwide, or Online via https://www.bdo.com.ph/sme-loan-promo.
  3. Approved SME Loan should be booked or availed no later than August 31, 2023 (Availment Period)

  • For SME Ready Check:  Applications received within the promo period but availment not made upon credit line release date are not qualified

    Sample Scenario:

    Loan Application Submission April 10, 2023
    Loan Release Date May 10, 2023
    Loan Availment* June 10, 2023

    *Availment should be made on loan release date

  1. The promo is offered to:

  • ​All NEW accounts availing of a Term Loan or SME Ready Check (Credit Line) facility with a minimum P 1M loan/line amount who will meet the following criteria:

    • Term Loan application within the promo period should be subsequently released/availed not later than the August 31, 2023 (Availment Period).

      • For Construction Loan, first release should be at least P 1M and within the availment period. 

    • For SME Ready Check (SMERC), the initial amount drawn from the line should at least be P 1M. This amount should be availed upon release of the facility.

  • EXISTING accounts who meet the following criteria:

For Term Loan Accounts:

  • Additional Loan of at least P 1M with loan released on the prescribed Loan Availment Period
  • Term Loan converted to SMERC – Credit Line should have an increase of at least P 1M from the current Outstanding Balance, and with an availment of at least P1M upon loan release.

For SME Ready Check Accounts:

  • Existing accounts with at least P 1M increase from the current Credit Line and with P 1M availment upon release within the availment period
  • Existing SME Ready Check Account converted to Term Loan with an increase of at least P 1M from the Outstanding Balance, with P 1M availment upon release



  1. Qualified clients under the promotion will get to enjoy waived fees
    Booking Period Waived Amount
    March 1 to August 31, 2023 Max of P30, 000
  1. Fees to be waived are Registration, Handling and Appraisal Fees only
  • For Appraisal Fee:
  1. Client/Application will have to pay upfront for the Appraisal Fee. Corresponding rebate computation and application shall be made once loan application has been approved and availed of.
  • Hierarchy of fees to be waived/refunded will be in this order:
  1. Registration Fees
  2. Handling Fee
  3. Appraisal Fee 
  • The corresponding amount will be applied as a reduction to the loan related fees that client will be paying upon loan availment.



  1. All qualified applications submitted during the promo period shall undergo evaluation and approval process of BDO, subject to completion of required loan documents  

  2. The Promo is non-transferable, non-convertible to cash and may not be availed in conjunction with other promo and /or offers of BDO SME Loan 

  3. These terms and conditions are subject to any relevant law, government direction and regulation. The Promo will be void where prohibited or restricted by law or government regulations 

  4. In case of dispute, the decision of BDO, with concurrence of DTI shall be deemed final



Per DTI Fair Trade Permit No. FTEB-160510 Series of 2023







For any complaint or concern, the client may visit our branch or our BDO Consumer Assistance Management System online at https://www.bdo.com.ph/consumer-assistance. The client agrees and understands that BDO shall take actions within 7 to 10 banking days from receipt of complete information and relevant documents in hard copies or electronic form from the client. For complaints/concerns requiring more time to investigate and resolve, BDO will accordingly advise the client including the progress thereof.