Get up to ₱300,000 emergency funding with 0% interest for the FIRST YEAR to help your business recover from natural disasters and calamities.
Isang Mahalagang Anunsyo!
Bilang bahagi ng pangkalahatang pagtugon ng pamahalaan sa mga naapektuhan ng matinding pag-ulan at malakas na pagbaha sa iba’t ibang panig ng bansa, muling magbubukas ang Small Business Corporation ng isang espesyal na financing window para sa mga micro, small, at medium enterprises (MSMEs).
Alinsunad sa utos ni Pangulong Ferdinand R. Marcos Jr. at ni Department of Trade and Industry (DTI) Secretary Ma. Cristina A. Roque na mas pinalalawak at kagaya na pagtugon at pagresponde ng pamahalaan, ilulunsad muli ang Enterprise Rehabilitation Financing Facility (ERF) — isang pautang na nakatuon sa MSMEs na matatag sa mga lalawigan, lungsod, o munisipalidad na idineklara sa ilalim ng State of Calamity o matinding naapektuhan ng kalamidad.
Maaari nang mag-apply ng loan ang mga negosyo sa mga lugar na nasa ilalim ng state of calamity.
Official SB Corp Facebook Announcement (https://www.facebook.com/share/p/1ByAMEy1PP/ )
What is the SBCorp Enterprise Rehabilitation Financing (ERF) Loan?
The Enterprise Rehabilitation Financing (ERF) is an emergency fund program designed to provide working capital to micro, small, and medium enterprises (MSMEs) affected by calamities, including damages to fixed assets, inventories, operational disruption, and revenue loss.
This special loan facility from Small Business Corporation (SBCorp), the financing arm of the Department of Trade and Industry (DTI), offers highly concessional terms not available in the commercial market to help businesses quickly recover and resume operations.
Key Loan Features and Benefits
Loan Amount
- Up to ₱300,000 for both new and existing SBCorp borrowers
- No collateral required for most applications
Interest Rate
- 0% interest for the FIRST YEAR (12 months grace period)
- 1% per month on diminishing balance for the second and third years only
- Significantly lower than market rates
Loan Term
- Up to 3 years repayment period
- Monthly payment scheme
- 3-month grace period at the option of the borrower
Processing Speed
- Streamlined application process
- Existing borrowers with good standing require no additional documents
- Fast approval and release
Who Can Apply for ERF Loan?
Eligibility Requirements
The program is open to all MSMEs with business operations in areas declared to be under the State of Calamity by NDRRMC and with good credit standing.
You qualify if:
- Your business operates in a calamity-declared area
- You have good credit standing (no past due loans from SBCorp)
- Your business has been affected by the declared calamity
- You’re either a new or existing SBCorp borrower
Current Coverage Areas (as of July 2025)
Currently covered regions include:
- NCR (National Capital Region) - All cities
- Region 1 (Ilocos Region)
- Region 3 (Central Luzon)
- Region 4A (CALABARZON)
- Region 4B (MIMAROPA)
- Region 6 (Western Visayas)
- Region 7 (Central Visayas)
Note: Coverage depends on official NDRRMC declarations of State of Calamity due to recent typhoons and natural disasters.
Required Documents
For New Borrowers:
-
Government-issued ID of business owner/authorized representative
-
Mayor’s Business Permit (simplified requirement)
-
Proof of Bank Account (must match business name)
-
Corporate documents (if applicable):
- Secretary’s Certificate/Board Resolution
- Latest General Information Sheet (corporations)
- Articles of Partnership (partnerships)
For Existing SBCorp Borrowers:
- No additional documents required if you have good repayment status
How to Apply
Application Process
Sa ilalim ng ERF, maaaring makahiram ang mga MSMEs ng dagdag na kapital upang muling makabangon. Ang pautang ay may grace period o pansamantalang hindi pagbabayad sa utang, at walang interes sa unang taon ng pagbabayad (loan amortization).
- Online Application: Apply through the SBCorp loan portal at https://brs.sbcorp.ph
- Mobile App: Download “DTI-SBCorp Money Mobile App” from Google Play or Huawei AppGallery
- Document Submission: Upload required documents online
- Virtual Assessment: SBCorp conducts virtual inspection and interview
- Approval and Release: Fast-track processing for qualified applicants
Abangan ang opisyal na pagbubukas ng ERF sa inyong mga lokalidad sa mga susunod na araw, alinsunad sa mga opisyal na deklarasyon ng State of Calamity.
Application Deadline
Applications remain open until 90 days after the declaration of State of Calamity for each specific area.
What Can You Use ERF Loan For?
The emergency fund can finance various business recovery needs:
- Asset Repair/Replacement: Fix or replace damaged equipment, machinery, and facilities
- Inventory Restoration: Restock damaged or lost inventory
- Working Capital: Cover operational expenses during recovery period
- Revenue Loss Compensation: Bridge income gaps caused by business disruption
- Immediate Business Needs: Address urgent requirements to resume operations
Why Choose SBC ERF Loan?
Advantages Over Commercial Loans:
- Zero Interest First Year: 12 months without any interest charges
- Below Market Rates: 1% monthly interest vs. higher commercial rates (only for years 2-3)
- Flexible Terms: Up to 3-year repayment with 3-month grace period option
- Quick Processing: Streamlined approval especially for existing clients
- Government-Backed: Reliable funding source from DTI-SBCorp under President Marcos Jr.’s directive
- No Collateral: Most applications don’t require collateral
- Emergency Response: Specifically designed for disaster recovery
About Small Business Corporation (SBCorp)
Small Business Corporation is a government financial institution created in January 1991 under R.A. 6977, Magna Carta for Small Enterprises, amended by RA 8289 in 1997 and RA 9501 in 2008. As the financing arm of DTI, SBCorp has the primary responsibility of implementing comprehensive policies and programs to assist MSMEs in finance, information services, training, and marketing.
SBCorp’s Track Record:
- Outstanding portfolio balance of about ₱17 billion to 82,031 borrowers as of June 2025
- Targets to release ₱11 billion in MSME loans in 2025
- Proven experience in disaster response financing
Success Stories and Impact
The Enterprise Rehabilitation Fund (ERF) is becoming popular and is the most established among SBCorp’s programs, helping thousands of Filipino businesses recover from various natural disasters including Typhoon Carina, Typhoon Kristine, and other calamities.
Previous ERF Programs:
- ERF Kristine: ₱2.0 billion budget covering over 23,000 barangays
- ERF Carina: Supported businesses affected by record-breaking rainfall
- ERF Odette: Helped MSMEs recover from widespread typhoon damage
Tips for Successful Application
Before Applying:
- Check Coverage: Verify your area is under State of Calamity declaration
- Assess Damage: Document business impact and recovery needs
- Prepare Documents: Gather all required paperwork in advance
- Calculate Needs: Determine exact funding requirements (up to ₱300,000)
Application Best Practices:
- Apply Early: Submit application as soon as possible after calamity
- Complete Documentation: Ensure all required documents are provided
- Accurate Information: Provide truthful and complete business details
- Follow Up: Monitor application status through SBCorp channels
Contact Information
For More Information:
- Website: https://sbcorp.gov.ph/erf/
- Loan Portal: https://brs.sbcorp.ph
- Email: communicationsteam@sbcorp.gov.ph
- DTI Hotline: 1-DTI (384)
SBCorp Main Office: Small Business Corporation Department of Trade and Industry Building Sen. Gil Puyat Avenue, Makati City
Frequently Asked Questions
Q: Can I apply if I already have an existing loan with SBCorp? A: Yes, existing borrowers with good repayment status can apply and require no additional documents.
Q: How long does the application process take? A: Processing is expedited for disaster recovery, with existing borrowers getting faster approval.
Q: What if my area wasn’t declared under State of Calamity? A: Unfortunately, ERF loans are only available for officially declared calamity areas by NDRRMC.
Q: Can I use the loan for personal expenses? A: No, ERF loans are strictly for business recovery and operational needs only.
Q: Is there a penalty for early payment? A: Contact SBCorp directly for specific terms regarding early payment options.
Take Action Now
If your business has been affected by recent calamities and you’re in a declared area, don’t wait. The SBC Enterprise Rehabilitation Financing (ERF) Loan offers one of the most affordable emergency funding options available to Filipino MSMEs.
Start your application today:
- Website: https://brs.sbcorp.ph
- Mobile App: Download “DTI-SBCorp Money Mobile App”
Remember: Applications are time-limited and close 90 days after calamity declaration. The sooner you apply, the faster you can access the emergency funding your business needs to recover and thrive again.
Disclaimer: This information is based on official SBCorp announcements as of July 2025. Terms and conditions may change. Always verify current requirements and coverage areas directly with SBCorp before applying.