Starting and expanding a business requires capital, and for many Filipino entrepreneurs, securing funding can be a challenge. Fortunately, the Department of Trade and Industry (DTI) offers various business loan programs designed to support small and medium enterprises (SMEs) in the Philippines. These programs provide financial assistance with low-interest rates, flexible repayment terms, and government support to help businesses thrive.
In this guide, we will explore the different DTI business loan programs available in 2025, their eligibility requirements, application processes, and how they can help entrepreneurs grow their businesses.
Why Choose a DTI Business Loan?
DTI business loan programs offer several advantages for small entrepreneurs, including:
- Lower interest rates compared to private lenders
- Flexible repayment terms suited for small businesses
- Government-backed financing for added security
- Accessibility for micro, small, and medium enterprises (MSMEs)
- Support services such as business mentoring and training
With these benefits, a DTI business loan is a great option for entrepreneurs looking to start or expand their ventures in 2025.
DTI Business Loan Programs Available in 2025
1. P3 Program (Pondo sa Pagbabago at Pag-asenso)
The P3 Program is a flagship initiative by DTI in partnership with Small Business Corporation (SBCorp) that provides affordable credit to micro and small enterprises.
Features:
- Loan amounts ranging from PHP 5,000 to PHP 500,000
- Low interest rates starting at 2.5% per month
- No collateral required for small loans
- Repayment terms up to 2 years
Eligibility:
- Filipino-owned micro and small businesses
- Business must be operational for at least 1 year
- Business must be registered with DTI, SEC, or CDA
How to Apply:
- Submit an application at an accredited partner microfinance institution (MFI) or cooperative bank.
- Provide business registration documents, valid IDs, and proof of income.
- Wait for loan approval and disbursement.
2. COVID-19 Assistance to Restart Enterprises (CARES) Program
The CARES Program was originally launched to help businesses recover from the pandemic. In 2025, DTI continues to offer it as a special assistance program for MSMEs needing additional capital.
Features:
- Loan amounts from PHP 10,000 to PHP 5 million
- Interest-free loans (subject to service fees)
- Up to 3 years repayment period
- Grace period of up to 6 months
Eligibility:
- MSMEs registered in the Philippines
- Business must show proof of sales decline due to economic downturns
How to Apply:
- Apply online via SBCorp’s website.
- Submit financial statements, DTI/SEC registration, and a recovery plan.
- Wait for evaluation and loan release.
3. RISE UP Multi-Purpose Loan
The RISE UP (Resilient, Innovative, Sustainable Enterprises, Unleash Your Potential) Multi-Purpose Loan aims to support MSMEs in expanding their businesses by providing larger loan amounts.
Features:
- Loans up to PHP 10 million
- Interest rates starting at 4% per year
- Repayment terms of 1 to 5 years
- Focus on innovation-driven businesses
Eligibility:
- MSMEs with at least 2 years of operation
- Registered with DTI, SEC, or CDA
- Must submit a business expansion plan
How to Apply:
- Submit an application through SBCorp’s online portal.
- Provide a feasibility study, business permit, and other financial documents.
- Wait for assessment and loan approval.
4. Small Business Technology Upgrading Program (SETUP) Loan
The SETUP Loan is designed for businesses looking to upgrade technology and improve productivity.
Features:
- Funding assistance up to PHP 5 million
- No interest, but repayable within 3 years
- Free business development training
Eligibility:
- MSMEs engaged in manufacturing, agriculture, food processing, and tech industries
- Business must show a growth potential
How to Apply:
- Submit a business plan detailing the technology upgrade.
- Provide registration and financial documents.
- Undergo an evaluation and site inspection.
- Receive funding and implement the project.
How to Choose the Right DTI Business Loan
To determine which loan program best suits your needs, consider the following:
- Loan Amount Needed – If you need a small loan, the P3 Program is ideal. For larger amounts, consider RISE UP or SETUP.
- Business Type – If your business focuses on technology, the SETUP Loan is the best option.
- Repayment Capacity – Choose a loan with a repayment period and interest rate that your business can sustain.
Final Thoughts
Securing a business loan from DTI can be a game-changer for Filipino entrepreneurs looking to grow their businesses. With low interest rates, flexible repayment terms, and government support, these loans provide the financial boost needed to succeed in 2025. Whether you need startup capital, expansion funds, or technology upgrades, there is a DTI business loan program that fits your needs.
By understanding the available loan options and preparing the necessary documents, you can increase your chances of securing funding and achieving business success this year.
Read Also: How to Apply for a Business Permit in the Philippines – Step-by-Step Guide
Disclaimer: The information in this article is intended for general informational purposes only. Loan terms, eligibility criteria, and application processes may change at any time without prior notice. Entrepreneurs are encouraged to verify the latest details directly with the Department of Trade and Industry (DTI) or the Small Business Corporation (SBCorp) before making financial decisions.