The program allows patients to access financing for hospital bills, procedures, and treatment-related expenses, offering loan amounts ranging from PhP 30,000 up to PhP 3 million, payable in installments of 12 to 36 months with interest rates starting at 1.6%.  

By providing installment-based payment options, the facility enables patients to proceed with treatment without the need for full upfront payment, an ongoing challenge for many Filipino households facing unplanned medical expenses. 

The Patient Access Program also supports planned and elective medical procedures, allowing patients to arrange financing even before hospitalization or treatment. This includes maternity packages, cancer treatment, open heart surgery, kidney transplant, chemotherapy, and other high-value procedures. Through affordable monthly amortization, patients can move forward with care while reducing the immediate financial burden on themselves and their families. 

Under the program’s structure, loan proceeds are directly credited to the partner hospital’s Security Bank account, ensuring that funds are used specifically for medical needs. 

Patients benefit from a streamlined application process, which includes application submission, document verification, and scheduled loan signing prior to disbursement. Repayment is facilitated through multiple channels, including auto-debit arrangements, Security Bank branches, partner payment centers, and online platforms, with no post-dated checks required. 

“Healthcare financing is no longer just a financial product. It is becoming part of how access to care is delivered,” said SB Finance Head of Personal Loan Sales and Distribution Ron Romo. “When patients delay treatment due to cost, long-term health outcomes often become more complex and more expensive. SB Finance’s Patient Access Program helps patients make timely decisions by providing clarity in payment and supporting both patients and healthcare providers.” 

Designed to be accessible to a broad range of borrowers, including patients, as well as their family members, friends, or sponsors, eligible applicants must be Filipino citizens aged 21 to 65, with minimum income requirements varying by employment type.    

Borrowers may also apply for multiple Patient Access Program loans for a single patient, subject to credit evaluation and approval. This gives families more flexibility in managing larger or ongoing medical expense, especially when treatment costs exceed the limit of a single loan. 

This initiative reflects SB Finance’s broader transition toward embedded healthcare financing, integrating financial support directly into the healthcare journey. By doing so, SB Finance aims to balance affordability with timely access, critical at a time when out-of-pocket medical spending continues to burden Filipino households. 

For the list of accredited hospitals, visit www.sbfinance.com.ph/patient-loan/. 

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. 

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