27/06/2026
The Bangko Sentral ng Pilipinas cut its benchmark interest rate five consecutive times through 2025, bringing it down to 4.5% by December, the lowest borrowing cost since October 2022.
A further 25-basis-point cut in February 2026 brought the policy rate to its current 4.25%, a response to weak economic growth amid low inflation.
This is good news for small businesses. Cheaper credit means lower loan servicing costs and more room to invest in operations, equipment, or working capital.
But lower rates only help businesses that are financially ready to borrow well. That means clean books, clear cash flow visibility, and a plan for how the money gets used.
Bridge PH helps teams get their financial foundation in order so when the conditions are right, they can move with confidence.