Security Bank Empowers MSMEs with Smarter, Customer-Centric Banking Solutions

A smarter way to bank Security Bank provides #MSMEs with comprehensive, customer-centric banking solutions

MSMEs make up 99.5% of all businesses in the Philippines and employ over 60% of the country’s workforce yet they continue to face systemic barriers to growth, from limited access to credit to persistent cash flow issues and administrative hurdles. Recognizing their critical role in driving inclusive economic development, #SecurityBank is addressing these gaps with customer-centric solutions tailored to the day-to-day realities of Filipino entrepreneurs.

 

Through its Business Banking Segment (BBS), launched in 2022, Security Bank offers tailored financing, multi-channel access, and expert support for MSMEs nationwide. Backed by strong investments in platforms, partnerships, and talent, the Bank is making business banking more responsive and intuitive.

This focused approach is driving strong growth: as of March 2025, MSME loans under BBS reached PHP 21 billion, up 50% from PHP 14 billion the previous year.

“We’re committed to making banking simpler and more intuitive for entrepreneurs,” said John David Yap, EVP and Head of the Business Banking Segment. “By removing friction from everyday transactions and offering proactive guidance, we help MSMEs focus on what matters most: growing their business.”

Smart, convenient tools for modern businesses

 

Katherine Anne Karaca, President of Rider’s Pit Stop Philippines Incorporated and one of Security Bank’s MSME clients. The wholesaler and retailer of motorcycle parts and accessories now have 27 branches in Visayas.

Security Bank’s DigiBanker platform gives MSMEs a centralized system for payroll, tax remittances, supplier payments, and receivables management—cutting down manual tasks and improving operational visibility. For business owners, this means faster access to credit, fewer documentation hassles, and more time to run their operations.

“Security Bank has proven to be a reliable partner, offering competitive interest rates, accessible payment plans, and convenient digital banking services that allow us to monitor our transactions in real-time,” said Katherine Ann Karaca, President of Rider’s Pit Stop Philippines Incorporated, a wholesaler and retailer of motorcycle parts and accessories. “Location-wise, it’s excellent. Wherever we expand, there’s a Security Bank nearby, making it easy to deposit our daily sales. Thanks to Security Bank’s support, we closed the year with 27 Rider’s Pit Shop branches: 22 in Cebu, two in Tagbilaran, Bohol, and three in Dumaguete.”

As part of its commitment to continuously enhance its platforms and improve service for entrepreneurs, the Bank will soon launch a new MSME-dedicated app—building on the capabilities of DigiBanker to offer faster, more intuitive access to banking.

More than financing: Holistic business support

Martin Allen del Mundo, Acting OIC and current successor of Ared Enterprises, manufacturers for Porky Best Chicharon. Through a business mortgage loan with Security Bank, they were able to expand their manufacturing center and serve customers in Davao and Metro Manila. 

Security Bank provides MSMEs with enterprise-level solutions with its Business Elite program

To address deeper operational challenges, Security Bank developed the Business Elite Program—offering preferential rates, waived fees, data-driven insights, and a dedicated Relationship Manager for qualified MSMEs. It goes beyond banking by combining financial tools with business support services.

“We developed the Business Elite Program with a clear focus on the needs of our high-value MSME clients to provide them with the right mix of financial and operational tools to support their growth,” Yap explained.

Through its Beyond Banking network, the Bank also connects MSMEs with expert partners like Empleyado (HR/payroll), FilePino (registration), SYCARDA (analytics), Taxumo and Juan Accounting (tax filing), Ninja Van (logistics) and MyLegalWhiz (legal support). MSMEs also benefit from non-life insurance coverage via PhilBritish Insurance, which includes property, liability, theft, fraud, and 24/7 telemedicine protection for businesses under the Business Elite program.

A long-term partner for business growth`

“Ever since we started doing business with [Security Bank], they are able to continuously give us information that we need and almost all the time, they are a call away from us,” said Martin Allen del Mundo, Acting OIC and current successor of Ared Enterprises, manufacturers of Porky Best Chicharon. They have been a Security Bank client since 2017. Del Mundo got a Business Mortgage Loan to expand their manufacturing center—allowing their products to be in more stores in Davao and Metro Manila.

“As business owners we understand how important capital plays in the business. And because of Security Bank, we were able to get that capital and be able to have good interest rates and good payment terms that did not hinder us from continuing to grow the business,” he added.

Looking ahead, Security Bank is committed to expanding its ecosystem to meet the evolving needs of MSMEs. By creating a seamless, end-to-end experience that goes beyond traditional banking, the Bank aims to be the long-term growth partner for Filipino entrepreneurs at every stage of their business journey.

For more information on Security Bank’s MSME efforts, visit https://www.securitybank.com/business/