MANILA, Philippines — Moving aggressively to capture a larger share of the country’s medical services economy, a fast-growing consumer lending firm is rolling out specialized credit structures. SB Finance—a joint venture between Security Bank Corporation and Thailand’s Bank of Ayudhya (Krungsri)—announced the launch of its integrated Doctor’s Loan program, expanding its footprint across the domestic healthcare ecosystem.
The initiative bridges professional business expansion with consumer access, linking medical practitioners and patients under a single credit framework.
The newly minted program addresses the unique financial cycles and heavy equipment costs tied to maintaining modern private medical practices. To streamline entry, the lender has removed traditional corporate balance-sheet requirements in favor of a fast-tracked, document-light application process.
The specialized financing packages are structured into distinct tiers based on the borrower’s institutional relationship:
[ SB FINANCE DOCTOR'S LOAN PACKAGES ]
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[ SPECIFIC PROGRAM BASELINE ] [ THE PRIVILEGED TIERS ]
• **Max Loan Capital:** Qualified medical professionals can secure • **Gold Circle & Wealth Perks:** Premium-tier clients
multi-purpose personal loans up to **₱3 million**. • of Security Bank unlock exclusive interest discounts,
• **Repayment Terms:** Flexible options extending up to **36 months**.• with monthly rates dropping **as low as 0.8 percent**.
• **Practice Support:** Funds are fully authorized for clinical • **Sign-on Rewards:** Eligible applicants can qualify for
upgrades, diagnostic machine leases, or general personal use. • wealth welcome offers valued up to **₱90,000**.
The roll-out of the doctor-centric product serves as a strategic second layer built onto the company’s existing healthcare infrastructure. It scales the Patient Access Program, an initiative designed to shield ordinary families from sudden out-of-pocket medical shocks.
[ THE INTEGRATED HEALTHCARE LENDING CORRIDOR ]
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[ Network Scale ] ──► The Patient Access Program has officially expanded its reach to **66 partner hospitals**
and major medical institutions nationwide.
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[ Hospitalization ] ──► Patients can tap immediate, unsecured emergency lines ranging from **₱30,000 to ₱3 million**
to cover sudden surgeries, long-term admissions, or specialized treatment bills.
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[ Dual Referral ] ──► The interconnected ecosystem introduces a dual-track referral network; doctors can connect
strapped patients with instant credit lines, while earning up to **₱10,000 per referral**.
By keeping entry barriers low for busy professionals, SB Finance is addressing a critical bottleneck in local healthcare delivery: the high upfront cost of medical modernization. According to SB Finance Business Development Head Patrick Felizardo, the specialized rates are built to maximize practice growth while minimizing structural administrative lag.
As inflation pressures supply chains and complicates clinic operations across the archipelago, this unified financial model helps ensure that doctors can consistently upgrade their diagnostic tools while simultaneously giving patients an institutional buffer against catastrophic medical debt—driving steady, long-term growth across the country’s private healthcare networks.
