Founded in 2020 during one of the most challenging periods in recent history, SB Finance emerged with a clear and meaningful mission; to provide practical and responsible financial solutions to everyday Filipinos, along with the knowledge to use them wisely. 

Five years later, that mission continues to guide every product, service, and decision the company makes. Whether it’s the sari-sari store owner restocking shelves, to the father investing in a motorcycle for his family, to the couple working on home improvements, SB Finance has designed its offerings to meet real-life needs with clarity, care, and confidence. Customers are not only given access to financing but are also empowered with guidance to make informed choices and borrow responsibly. 

Laying the Foundation, Proving the Model 

SB Finance was born from the strategic partnership between Thailand’s Krungsri and the Philippines’ Security Bank—two institutions with deep expertise in consumer finance and banking. In its early years, the company focused on building a strong foundation. Leveraging Security Bank’s nationwide reach and Krungsri’s disciplined approach to consumer lending, SB Finance prioritized the essentials; sound underwriting, transparent pricing, and customer service that values time, dignity, and trust. 

By 2021, the company achieved a positive full-year net income, a rare milestone for a young lender. This early success validated its approach: that financial inclusion, responsible lending, and sustainable growth can go hand in hand. 

“Profit mattered to us because it proved sustainability,” said SB Finance President and CEO Abbie Dans-Casanova. “But our purpose has always been financial inclusion by providing useful credit, delivered responsibly.” 

The company’s steady growth also reflected the strong backing of its shareholders, with a PhP 3-billion capital infusion from Security Bank and Krungsri. This strengthened the balance sheet, ensuring resilience and sufficient liquidity to support sustained growth. 

A Steady, Secure Ride Forward 

Through MotorsikLOAN, SB Finance client Anna Laika Santos secured a reliable ride, and won back precious time for work and family.

By 2022, SB Finance had moved from proving its model to expanding its reach. The launch of MotorsikLOAN marked a significant step in widening access to mobility and livelihood opportunities for Filipinos. Designed with everyday riders in mind, the loan product is bundled with non-life insurance, ensuring that life’s unexpected turns wouldn’t derail progress. It can be used to purchase brand-new units through a growing network of partner dealers, or to buy SBF’s own repossessed motorcycles at Repo Central located in strategic sites across the country. 

For MotorsikLOAN customer Anna Laika Santos, the loan meant more than just owning a motorcycle, it was about reclaiming control over her time. Daily commutes and unreliable public transport had been costing her precious hours. With MotorsikLOAN, she was able to access a reliable, roadworthy ride, and the built-in insurance gave her peace of mind, knowing that any unexpected incident wouldn’t derail her family’s finances. 

“Yung travel time ko, minsan isang oras, isang oras at kalahati. Twenty minutes lang dapat ‘yun kung hindi traffic,” she shared. 

Anna had explored other loan options, but hidden charges turned her away. “Kaso merong hidden charge,” she said. At SB Finance, the experience was different. “Doon, sobrangapproachable, wala kaming hidden charges na babayaran.” 

For Anna, the insurance sealed the deal. It wasn’t just a loan, it was a safety net. As she put it, “Hindi lang motor ang binilinamin, oras na rin.” 

Worth the Payoff 

With eSALAD, SB Finance client Dennison Chiong paid his tuition in full and kept cash flow steady on transparent, fixed terms.

Following the success of MotorsikLOAN, SB Finance introduced eSALAD, a salary-advance loan designed to bring short-term borrowing into a formal, transparent space. Tailored for employees facing temporary cash flow gaps, eSALAD offers a straightforward repayment structure aligned with salary schedules, helping borrowers avoid the trap of compounding fees and unclear terms. 

For Dennison Chiong, eSALAD turned financial stress into a manageable plan. With one fixed payment and a clear timeline, he gained the breathing room to make smart decisions. “So ‘yung pinaggagamitan ko is school and for additional capital sabusiness ko. Overall, nakatulong talaga siya sa akin,” he shared. 

When his school registrar offered a tuition discount for full payment, eSALAD helped him seize the opportunity. “Instead na i-pay ko within installments, I paid it in full na lang gamit‘yung eSALAD loan na nakuha ko,” he explained. 

Dennison did his homework before applying. “Kinompyut ko ‘yung interest. Almost half ‘yung rates niya lesser compared to other loaning services kaya na-engganyo ako.” 

The public launch of SB Finance as a national consumer-finance brand in the same year signaled a clear intent; to serve the working Filipino at scale, with products that are not only accessible but also built on trust and transparency. 

Personalized Progress 

SB Finance’s Personal Loan helped Dane Pabatang expand from one hardware store to three through smarter inventory and logistics.

Momentum only matters when service evolves with it. Over the past two years, SB Finance has upgraded its cloud-based end-to-end IT system, allowing faster processing, smarter risk assessment, and more scalable customer service.  

The investment enabled SBF to launch new products like ORCR4 Cash, enhance existing ones like Personal Loan and eSALAD, and transition key operations such as underwriting and collections in-house, ensuring long-term sustainability. 

Recognizing that every Filipino has a unique path to progress, SB Finance has also refined its sales and marketing efforts to deliver more tailored communication, meeting customers where they are, with solutions that fit their goals. 

Among its flagship offerings is the Personal Loan, a collateral-free, multi-purpose product designed to adapt to a wide range of needs, from business expansion to home improvement. Its flexibility has made it a preferred choice for customers seeking financing that grows with them. 

For Dane Pabatang, a second-generation hardware store owner in Agusan del Norte, credit became a strategic growth tool. His first PhP1 million Personal Loan put delivery vehicles on the road, expanding his reach. The second funded inventory and a new storage facility, strengthening operations. The third enabled direct purchases from suppliers, cutting costs, improving margins, and positioning his business for long-term success. 

He chose SB Finance because the numbers made sense. “Yong margin sa rate sa SB Finance Personal Loan, hindi masyadongmalaki kaya in-avail ko. Nakapag-expand ako. Hindi ako na-pe-pressure sa charges,” he said. 

His advice to fellow small business owners? “Huwag matakotmag-loan. Diyan mo makikita ang opportunity at expansion.” 

Keeping All Four Wheels Turning 

Using OR/CR for Cash, SB Finance client Alphy Paquizunlocked working capital to keep parts moving, payroll on time, and operations stable.

The most recent addition to SB Finance’s portfolio is OR/CR for Cash, formerly known as Car4Cash. This product transforms idle vehicle equity into working capital, offering a practical solution for owners navigating uneven cash cycles.  

With only the vehicle’s registration documents (Official Receipt and Certificate of Registration) as collateral, customers can access funding while continuing to use their vehicles for daily needs or business operations. 

For Alphy Paquiz, owner of Kilometer 44 Automotive Care Services in Alabang and BF Parañaque, the timing of expenses didn’t always align. Payroll and parts orders followed different clocks, and liquidity gaps could stall operations. 

Using a fully owned vehicle’s OR/CR as collateral, Alphy bridged parts purchases without compromising other critical expenses. “With any business, hindi naman all the time liquid tayo,” he explained. “Majority ng market namin corporate, hindipwedeng asahan na cash basis. Kung gagastusin ko lahat ‘yon, baka may maipit pa akong ibang part ng expenses ng shop nahindi ko magampanan.” 

OR/CR for Cash from SB Finance kept his business operations running through the weekend, invoices closing faster, and salaries paid on time. Recognizing the diverse needs of vehicle owners, SB Finance has since expanded the product to include variants such as Loan Take-Out and OR/CR for Cash Lite, offering even greater flexibility and accessibility. 

Financial Wellbeing at the Center 

Access without capability is a false promise. That’s why SB Finance integrates financial education directly into its products, not as an afterthought, but as a core feature. 

In 2024, SB Finance delivered eight structured financial literacy sessions, reaching over 135,000 Filipinos through a mix of on-ground events and digital programs. These efforts ran on two parallel tracks; internal sessions for employees to build confident money habits within the organization, and external sessions for partner employers and communities, ensuring that borrowers receive guidance where they work and live. 

The goal was to turn employees into financial wellness champions and create a ripple effect from within. To strengthen this initiative, SB Finance partnered with renowned financial advocate Salve Ibañez to conduct a training-of-trainers series and distribute the ‘Utang Manual’, a plain-language guide designed to turn confusing money moments into clear, actionable steps. 

“A loan should come with learning,” said SB Finance President and CEO Abbie Dans-Casanova. “We’d rather a customer borrow less and sleep better, then come back ready for the next step.” 

This commitment to financial literacy is not only a campaign, it’s a lifelong investment. It’s a way for SB Finance to give back to the community while helping shape a smarter, more responsible lending market. 

A Rewarding Journey 

In just five years, SB Finance has packed in a series of milestones that reflect rapid growth, bold innovation, and a deep commitment to responsible lending. The industry has taken notice. What began as a young challenger brand has quickly built a reputation for excellence, with a growing collection of awards that mark its progress. 

In 2023, SB Finance was named Best Digital Consumer Lending in the Philippines at The Asian Banker Philippine Awards, recognizing its leadership in tech-enabled, customer-first credit solutions. That same year, it earned a Silver at the Marketing Excellence Awards for Excellence in Out-of-Home Advertising, tied to its zukÌ mobile app campaign. 

In 2024, the company’s eSALAD product was awarded Best Loan Offering at the Retail Banker International Asia Trailblazer Awards, while the Asian Management Excellence Awards named SB Finance Philippines — Team of the Year (Financial Services). 

This year, as SB Finance celebrates its fifth anniversary, its MotorsikLOAN campaign ‘Tambike sa SB Finance’ won Marketing & Brand Initiative of the Year — Philippines at the Asian Banking & Finance (ABF) Retail Banking Awards, andalso took home a Silver Stevie® Award for Marketing Campaign of the Year — Financial Products & Services at the International Business Awards. 

These recognitions affirm SB Finance’s commitment to simplicity, transparency, protection, and service that respects the customer’s time. “These citations help affirm that we are treading the right path, and they inspire us to move forward with more resolve, and champion the financial wellbeing of even more Filipinos,” said President and CEO Abbie Dans-Casanova. 

Financing the Future 

In only five years, SB Finance has activated over 500,000 loan accounts nationwide, representing more than half a million total accounts as of September 2025. Each number tells a story of a Filipino household that found access, trust, and progress through responsible credit. 

The company has also disbursed close to PhP 50 billion in total loans, growing at a compound annual rate of 25%, with nearly PhP 10 billion in new loans booked year-to-date in 2025. 

Support from partner banks has expanded exponentially. Total credit facilities extended by non-parent banks have increased eightfold, while the number of partner banks has doubled from three to six, broadening SB Finance’s network and ability to serve. 

As SB Finance enters its next chapter, it is steering growth toward meaningful impact, financing what gives back, and embedding sustainability into its business practices. 

Beyond its continued investment in financial literacy, SB Finance is laying out the groundwork for a more future-proof model. Under its flagship Personal Loan product, the company introduced a solar panel loan, enabling households to access affordable financing for renewable energy solutions at home. 

Meanwhile, MotorsikLOAN has expanded to include financing for e-trikes, supporting tricycle operators and drivers in transitioning to cleaner, more cost-effective transport options that promote sustainable mobility. 

These additions complement SB Finance’s inclusion-first product lineup and follow a consistent design philosophy that keeps access simple, aligns terms with real-world use, and supports choices that strengthen both household economics and the country’s low-carbon shift. 

As it steps into another year, SB Finance is doubling down on its promise: to lend where it matters most, keep security as a staple, accelerate processes, and continue guiding stakeholders toward better financial decisions. 

The goal remains clear—to provide financing that helps families repair what’s broken at home, enable riders to get to work and back safely and efficiently, support entrepreneurs in bridging operational gaps, and empower borrowers to fully understand their financial choices and how these can move them forward. 

From the first loan to the next big leap, SB Finance keeps the path open for every Filipino with a plan and the drive to make it happen, because Dito, Pwede!

About SB Finance

SB Finance, Inc. is a Security Bank and Krungsri partnership regulated by the Securities and Exchange Commission and supervised by Bangko Sentral ng Pilipinas. Classified as a non-bank financial institution (NBFI), it aims to enrich lives as it envisions to be the Philippines’ preferred financial service provider.