Credit Scoring

Instant loans for the underbanked, powered by your phone

Tala is a digital lending app operated in the Philippines by Tala Financing Philippines, Inc., a US-founded (Santa Monica) global fintech serving the underbanked. Through its mobile app, Tala provides instant, collateral-free personal loans of up to ₱25,000, underwriting customers with little or no formal credit history using alternative data from their smartphones. Since entering the Philippines in 2017, Tala has disbursed billions of pesos to millions of Filipino borrowers and surpassed 4 million customers in the country.

2017 · Metro Manila, Philippines · Growth

Financial well-being linked to your salary

SAVii (formerly Uploan) is a Philippine fintech offering salary-linked financial wellness to employees through their employers. It partners with companies to provide salary loans, salary advances, free insurance, and savings at no cost to the employer, with repayments collected via payroll deduction. It built its own credit-scoring model using employment and HR data to serve workers underserved by banks. Founded in 2017, it became the country's market-leading salary lender and was acquired in 2024 by JG Summit and Tyme Group, the shareholders behind GoTyme Bank.

2017 · Makati City, Philippines · Series A

Asia's trusted source for employment & income data

Smile API (Smile Technology Pte Ltd) is a Singapore-headquartered data-infrastructure company providing consumer-permissioned employment and income verification across Asia, with a major Philippines presence. Through a single API, businesses get real-time, user-authorized access to verified employment and income data from government systems, HR/payroll providers, and gig platforms. Lenders, BNPL providers, banks, and recruiters use it to strengthen credit decisioning and expand financial inclusion.

2021 · Singapore (with Philippine operations) · Seed

Online cash loans — the right friend at the right time

etomo is an online consumer-lending app operated by Etomo Financing Corporation (formerly AND Financing Corporation), the Philippine subsidiary of Mongolian-Singaporean fintech AND Global. Established in 2018, it first ran the LendPinoy platform before rebranding to etomo in July 2024, after Japan's Marubeni Corporation and Premium Group acquired majority control of the company in June 2024 with fresh capital. Using AI-based credit scoring, etomo offers collateral-free personal loans to salaried Filipinos and their families via its mobile app and web portal. It is SEC-registered and regulated by SEC-FinLenD.

2018 · Mandaluyong City, Metro Manila · Private

Alternative credit scoring powered by telco data

FinScore is a Philippine alternative credit-scoring company that turns telco data into predictive credit scores, helping lenders assess thin-file and unbanked borrowers. Using 400+ telco variables (top-up patterns, data usage, SIM age) from Smart and Globe subscribers, it became the first to cover 100% of the country's mobile base. Founded in 2018 by Diana Krumova, it has delivered 15M+ alternative scores and supported over US$500M in loans. In August 2023 it was acquired by Malaysia's CTOS Digital, expanding its credit-decisioning, fraud-detection and analytics suite for banks and lenders.

2018 · Bonifacio Global City, Taguig · Private

CRIF Philippines (CRIF D-B Philippines, Inc.) is a credit bureau accredited by the Credit Information Corporation (CIC) as a Special Accessing Entity. Formerly Dun & Bradstreet Philippines, it provides credit-bureau reports, retail and SME credit scoring, business-information reports and risk-analytics decision systems to banks, fintechs, microfinance lenders and insurers. It is part of global credit and risk-analytics group CRIF, headquartered in Bologna, Italy.

2013 · Bonifacio Global City, Taguig · Private

Real-Time Credit Data for Lending Without Guessing

LenderLink operates the Philippines' first high-tech, real-time credit data exchange — a secure, consent-driven API network that lets lenders share and access verified borrower credit information instantly. Built by the founding team behind FinScore, it connects digital lenders, BNPL providers, installment-loan firms, and digital banks, combining traditional credit history with alternative data signals. As a CIC-Certified Technical Service Provider, it also helps lending institutions meet their Credit Information Corporation data-submission requirements. Its network spans 36M+ borrower records and a growing roster of member lenders.

2024 · Bonifacio Global City, Taguig · Pre-seed

Trustworthy Credit Scoring, Smarter Decisions

JuanScore is a Philippine credit-scoring and risk-analytics company, the local subsidiary of NYSE-listed FinVolution Group. Accredited by the Credit Information Corporation (CIC) as a Special Accessing Entity, it delivers AI-powered credit reports and scores, alternative and bureau-based credit scoring, KYC and ID verification (OCR, face comparison), and fraud-risk tools to lenders and financial institutions. Drawing on FinVolution's decade-plus of Asian credit-scoring experience, JuanScore deploys deep-learning models to widen credit access and advance financial inclusion for underserved Filipinos.

2024 · Ortigas Center, Pasig City · Private

Your partner for financial inclusion

CIBI Information, Inc. is the Philippines' first and longest-standing homegrown credit bureau, established in 1982. Accredited by the Credit Information Corporation as the country's first Advanced-Tier Special Accessing Entity, CIBI is the only local credit bureau that issues a consumer credit report with a credit score. It delivers digital credit reports and scores, AI-driven credit risk analytics, identity verification and eKYC, and a fraud-intelligence data-sharing network, all accessible via API. It serves 500+ organizations across banking, lending and enterprise, and powers in-app credit scores for platforms such as Lista.

1982 · Makati, Metro Manila · Private

InvestEd is a digital-first education lender helping under-resourced Filipino students finish their studies. Founded in 2016 by Carmina Bayombong, it offers collateral-free Success Loans for tuition, gadgets, allowance, thesis, board-exam review and rent, using a proprietary pro-student AI credit-scoring model built for Gen-Z borrowers with no formal credit history. Loans are disbursed directly to 700+ partner schools and vendors, and borrowers are supported through a high-touch success program. An SEC-registered lending company, InvestEd is a pioneer in financial inclusion for unbanked Filipino youth.

2016 · Metro Manila, Philippines · Seed

Kredit Hero is an AI-powered SME loan marketplace that connects Philippine businesses with the right lender through a single application. Rather than lending directly, it matches borrowers to a network of 40+ banks, financing companies, and lenders, using AI to screen documents and pair each business with suitable working-capital, credit-line, equipment, and Sangla OR/CR financing options ranging from about PHP 300,000 to over PHP 100 million. Founded in 2024 and based in BGC, Taguig, Kredit Hero streamlines business borrowing so owners can compare and access financing faster.

2024 · Taguig City, Philippines · Pre-seed

Basta pera, Lista — money management made simple for every Filipino

Lista is one of the Philippines' fastest-growing personal and small-business finance apps, with over 3 million downloads. Founded in 2021 by Aaron Villegas and Khriztina Lim, it started as a digital listahan (ledger) for tracking income, expenses, debts (utang) and invoices for sari-sari stores and MSMEs. It has since expanded into broader money management (budgeting, savings goals, bill reminders), plus a marketplace to compare and apply for credit cards, loans and insurance, and in-app access to credit scores from the CIC, CIBI and TransUnion. Lista has raised ~US$5.1M+ from investors led by 1982 Ventures and Openspace Ventures.

2021 · Metro Manila, Philippines · Seed

AI credit scoring, eKYC and fraud prevention for Philippine banks and lenders.

Trusting Social Philippines (TSPH) is the local arm of Singapore-headquartered Trusting Social, a fintech founded in 2013 that uses AI and alternative data to power financial inclusion. From its BGC, Taguig base, TSPH delivers AI-driven alternative credit scoring built on masked, anonymised, consent-based telco behavioural data, helping lenders assess thin-file and underbanked Filipinos. Its TrustInsight credit scores, TrustVision onboarding and anti-fraud suite, and Sophia engagement agent are delivered via API to 50+ Philippine commercial banks, digital banks, rural banks, cooperatives and lending companies.

2018 · Bonifacio Global City, Taguig · Series C

SME credit intelligence for Philippine lenders

Proficio is a Philippine fintech company building SMEVE (the SME Valuation Engine)—the credit intelligence workbench that helps banks and MFIs read the business behind the borrower. SMEVE takes an SME lending team from the borrower's raw file to the Credit Committee pack in one structured workflow. SMEVE cross-checks declared figures against bank statements, evaluates whether the underlying business is viable alongside traditional debt-service ratios, and keeps the source page attached to every number.

2024 · San Pablo City, Laguna · Pre-seed

TransUnion Philippines (TransUnion Information Solutions Inc.) is a credit bureau accredited by the Credit Information Corporation (CIC) as a Special Accessing Entity. It provides credit reports, credit scores, alternative-data analytics and fraud and identity solutions to Philippine banks, lenders and businesses, and gives consumers access to their own credit reports. It is the local arm of global credit-information group TransUnion.

2016 · Makati City, Metro Manila · Private

Make Smarter Credit Decisions in Real-Time

Island Credit Solution, Inc. is a Philippine credit-scoring and risk-analytics company accredited by the Credit Information Corporation (CIC) as a Special Accessing Entity. Using AI and alternative data, it provides banks, lenders, and MSMEs with real-time credit reports and scores, identity verification, and fraud-management tools to make faster, more inclusive lending decisions. Its flagship PhilScore helps financial institutions assess thin-file and underserved borrowers, expanding access to credit for Filipinos who lack a traditional credit history.

2025 · Makati City, Philippines · Private

Your Partner in Credit Intelligence

ADVANCE.CBP is a CIC-accredited credit bureau in the Philippines, operated by Advintel Inc. and part of Singapore's ADVANCE.AI (Advance Intelligence Group). As a duly accredited Special Accessing Entity of the Credit Information Corporation, it combines official CIC credit data with alternative data and AI to deliver real-time credit reports, scores, and risk insights for banks, digital and thrift banks, fintechs, and lenders. Its CBP Credit Report, CBP Credit Features 500, and CBP Scores pair with ADVANCE.AI's eKYC and anti-fraud tools to support responsible lending and broaden financial inclusion.

2024 · Makati City, Metro Manila · Seed

One Platform to Manage Climate Action & Compliance

Komunidad Global is a Philippine- and Singapore-founded climate-tech company whose platform unifies climate action and compliance — ESG and sustainability management, GHG accounting and reporting, climate risk assessment (20,000+ peril and loss metrics with scenario analysis to 2100), and early-warning and social-impact tools. Founded in 2020 by Felix and Allister Ayque, it equips businesses, banks, insurers, and governments with environmental intelligence to anticipate climate risks and meet sustainability requirements, serving clients including PNB, ANZ, and the Philippine SEC.

2020 · Manila, Philippines · Seed

Getting credit has never been simpler

Plentina is a Filipino-American fintech building alternative credit access in emerging markets. Through its Philippine lending arm, Plentina Lending, Inc. (SEC-registered), it offers a buy-now-pay-later app letting consumers split payments and build credit history at 60+ partner merchants including SM, Robinsons, Shopee, Lazada, Grab and foodpanda, with repayment via e-wallets or over-the-counter at 7-Eleven. Founded in 2019 by Stanford classmates Kevin Gabayan (ex-Google/NASA) and Earl Valencia, it has raised over US$5M from Techstars, 500 Startups, TMV and Global Founders Capital.

2019 · Parañaque, Metro Manila · Seed

Financial Risk and Vendor Accreditation with AI

CreditBPO is a Philippine AI fintech that automates SME, commercial and corporate credit-risk assessment for banks, lenders and enterprise procurement teams. Its flagship Financial Condition Rating and Benchmarking Report turns raw financials and third-party data into instant risk ratings, red-flag alerts and industry benchmarks, while the Enhanced Online Loandex Dashboard (EOLDX) — built with the Bankers Association of the Philippines — gives member banks portfolio-wide lending intelligence. A Visa Ready fintech partner and Microsoft Highway-to-100-Unicorns awardee, CreditBPO helps institutions underwrite faster.

2014 · Bonifacio Global City, Taguig · Private