SB Finance, Inc. marks five years of responsible lending, serving almost 500,000 loan accounts, and disbursing over P50 billion worth of loans.
In 2020, at a time when uncertainty defined everyday life, SB Finance was founded with a clear purpose—to give Filipinos access to practical, responsible financial solutions and the knowledge to use them wisely. Five years later, that purpose remains its compass.
From sari-sari store owners replenishing shelves, to parents investing in mobility or home improvements, SB Finance continues to serve real people with real needs—helping them borrow with clarity, care, and confidence.
Born from a partnership between Thailand’s Krungsri and the Philippines’ Security Bank, the company built its foundation on transparency, trust, and sound lending practices. By 2021, SB Finance had already achieved a positive full-year net income—proof that inclusion and profitability can move together.
“Profit mattered to us because it proved sustainability,” shared SB Finance President and CEO Abbie Dans-Casanova. “But our purpose has always been financial inclusion—providing useful credit, delivered responsibly.”
With a P3-billion capital infusion from its shareholders, SB Finance strengthened its position as a resilient, future-ready player in consumer finance.
Through MotorsikLOAN, SB Finance client Anna Laika Santos secured a reliable ride, and won back precious time for work and family.
Driving everyday progress
By 2022, SB Finance had shifted gears from proving its model to expanding its reach. Its breakthrough MotorsikLOAN program helped Filipinos secure motorcycles bundled with non-life insurance—giving riders not just mobility, but peace of mind.
For customer Anna Laika Santos, the loan transformed her daily commute from hours to minutes. “Yung travel time ko dati, isang oras at kalahati. Twenty minutes lang dapat ‘yun kung hindi traffic,” she said. “Sa SB Finance, walang hidden charges at sobrang approachable. Hindi lang motor ang binili namin—oras na rin.”
Following the program’s success, SB Finance launched eSALAD, a salary-advance loan designed to help employees manage short-term financial gaps responsibly. With one fixed payment and transparent terms, borrowers like Dennison Chiong found flexibility without the pitfalls of unclear fees.
“Instead of paying my tuition in installments, I paid it in full using eSALAD and got a discount,” he shared. “Mas mababa pa ang rate nila kaysa sa iba.”
Building on momentum
SB Finance’s momentum comes from continuous innovation. Over the past two years, it has modernized its cloud-based IT system for faster processing and smarter risk assessment—supporting new products like OR/CR for Cash, a practical financing option that converts vehicle equity into working capital.
For business owner Alphy Paquiz of Kilometer 44 Automotive Care, this was a lifesaver. “Hindi naman all the time liquid tayo,” he said. “With OR/CR for Cash, natuloy ang operations, nabayaran ang mga tao, at tuloy ang kita.”
Beyond convenience, SB Finance has championed financial literacy as a pillar of its advocacy. In 2024 alone, it reached over 135,000 Filipinos through seminars and digital sessions, helping them make smarter borrowing decisions. In partnership with financial advocate Salve Ibañez, the company launched The Utang Manual, a plain-language guide to responsible credit.
“A loan should come with learning,” Dans-Casanova emphasized. “We’d rather a customer borrow less and sleep better, then come back ready for the next step.”
Recognition and impact
In just five years, SB Finance has transformed from a challenger brand into an award-winning leader. Its MotorsikLOAN campaign Tambike sa SB Finance recently won Marketing & Brand Initiative of the Year (Philippines) at the Asian Banking & Finance Retail Banking Awards, and a Silver Stevie® for Marketing Campaign of the Year (Financial Products & Services).
Other accolades include Best Digital Consumer Lending in the Philippines from The Asian Banker, Best Loan Offering for eSALAD at the Retail Banker International Asia Trailblazer Awards, and Team of the Year (Financial Services) at the Asian Management Excellence Awards.
“These recognitions affirm that we are on the right path,” said Dans-Casanova. “They inspire us to continue championing the financial wellbeing of more Filipinos.”
Financing the future
As of September 2025, SB Finance has activated over 500,000 loan accounts nationwide, disbursing nearly P50 billion in total loans—growing at a 25% compound annual rate. The company’s partner network has doubled, and its credit facilities have expanded eightfold, reflecting strong trust from both customers and the banking sector.
Looking ahead, SB Finance is deepening its impact through sustainable finance. Its Personal Loan product now supports solar panel installations for households, while MotorsikLOAN has extended financing to e-trikes—empowering communities to embrace renewable and cost-efficient mobility.
Because for SB Finance, progress isn’t just about access—it’s about awareness, empowerment, and trust.
As it enters its next chapter, SB Finance stays true to its promise: to lend where it matters most, protect what’s important, and help every Filipino take the next confident step forward.
After all, Dito, Pwede!