Lending

#1 Finance Super App

GCash is a Philippine finance super app offering payments, transfers, savings, loans, investments and insurance. Its mobile wallet is operated by G-Xchange, Inc., a subsidiary of Mynt, Inc. Mynt listed on the Philippine Stock Exchange on October 20, 2026 under ticker GCASH after an IPO priced at PHP6.60 per share. The PSE reported PHP60.9 billion in gross proceeds from primary and secondary share sales and PHP441.51 billion in market capitalization at listing. Gross proceeds include payments to selling shareholders and are not all new company capital.

2015 · Taguig City, Philippines · Public

It's everything and a bank

Maya is the Philippines' leading consumer money app — an all-in-one wallet, payments and digital-banking super-app operated by Maya Innovations Holdings (legally Voyager Innovations, Inc.). In one app it offers the Maya wallet, QR payments, a cashback credit card, crypto and investments, plus full banking through Maya Bank — one of six BSP-licensed digital banks — including high-yield savings, Personal Goals, time deposits, and personal and MSME loans, with PDIC-insured deposits. Maya Bank reached profitability in 2025. Backed by PLDT, KKR, Tencent, GIC and IFC, the group has raised ~US$0.7B and reached unicorn status.

2013 · Mandaluyong City, Philippines · Growth

We Find Ways

BDO Unibank, Inc. (PSE: BDO) is the Philippines' largest bank by assets, loans, and deposits, with total assets of about ₱5.4 trillion at end-2025. Part of the SM Group controlled by the Sy family, BDO is a full-service universal bank offering consumer and corporate banking, lending, payments, remittances, investments, insurance, and wealth/private banking through one of the country's most extensive branch and ATM networks. It traces its roots to Acme Savings Bank (1968), was acquired by the SM Group in 1976, and merged with Equitable PCI Bank in 2007.

1968 · Makati City, Philippines · Public

Do More with BPI

Bank of the Philippine Islands (BPI) is the oldest bank in the Philippines and Southeast Asia, founded in 1851. A universal bank controlled by Ayala Corporation and listed on the Philippine Stock Exchange (ticker: BPI), it offers consumer and corporate banking, lending, payments, investments, wealth management, and insurance. BPI absorbed Robinsons Bank in a merger effective 1 January 2024. In FY2025 it posted record net income of about ₱66.6 billion with total assets of roughly ₱3.7 trillion.

1851 · Makati City, Philippines · Public

You're in Good Hands

Metropolitan Bank & Trust Company (Metrobank; PSE: MBT) is one of the Philippines' largest universal banks, founded in 1962 by Dr. George S.K. Ty. Affiliated with GT Capital Holdings, it offers consumer and corporate banking, lending, credit cards, wealth management, and trust services through a nationwide branch and ATM network plus overseas offices. It posted record FY2025 net income of ₱49.7 billion with total assets of about ₱3.88 trillion, and is the parent of thrift bank PSBank.

1962 · Bonifacio Global City, Taguig, Philippines · Public

We Believe in You

Rizal Commercial Banking Corporation (RCBC) is one of the largest universal banks in the Philippines, founded in 1960 by Alfonso Yuchengco and headquartered at RCBC Plaza in Makati. Listed on the PSE (ticker: RCB) and part of the Yuchengco Group, it offers retail and corporate banking, lending, credit cards (RCBC Bankard), remittances, and digital services. It operates the financial-inclusion super app DiskarTech. Japan's SMBC is a major strategic shareholder (about 24.5% as of December 2025).

1960 · Makati City, Philippines · Public

BetterBanking

Security Bank Corporation (PSE: SECB) is a Philippine universal bank founded in 1951 as the country's first private, Filipino-controlled bank after WWII. Headquartered in Makati, it is controlled by the Dy family, with Japan's MUFG Bank holding a 20% strategic stake since 2016. It offers retail, business, corporate and investment banking, credit cards, and wealth management through its branch network, ATMs, and the Security Bank App. In 2025 it posted record net income of ₱11.6 billion on total assets of about ₱1.2 trillion.

1951 · Makati City, Philippines · Public

Philippines’ First Digital Bank

Tonik is a standalone digital bank in the Philippines, operating under a BSP digital-bank license secured in 2021. Founded in 2018 as a Singapore group and launched in the Philippines in March 2021, it offers savings, time deposits, Stashes and consumer loans, with PDIC-insured deposits. Its recorded financing rounds total US$187M, including the US$131M Series B led by Mizuho Bank in 2022 and a US$12M Pre-Series C raised by controlling shareholder Tonik Financial in November 2025, led by Diligent Capital Partners. Tonik reported reaching profitability in Q1 2026.

2018 · Pasig City, Philippines · Growth

Serving the Nation

Land Bank of the Philippines (LANDBANK) is a 100% government-owned universal bank created in 1963 under RA 3844 to finance agrarian reform and rural development. It is the country's largest government bank and among the largest banks overall by assets (about ₱3.5 trillion in 2025), serving farmers, fisherfolk, agrarian-reform beneficiaries, MSMEs, LGUs and government agencies. It combines a developmental mandate in agriculture with full commercial and digital banking, prioritizing lending to the agriculture, fisheries and rural development sectors.

1963 · Manila, Philippines · Government

A full-spectrum digital bank

UNObank (UNO Digital Bank) is a Philippine digital-only bank operated by Singapore fintech DigibankASIA / UNOAsia. Founded by Manish Bhai and granted a BSP digital banking licence in 2021, it launched to the public in 2022 as one of the country's six licensed digital banks — and the first new entrant under the framework. The app offers high-interest savings, time deposits, and collateral-free loans, targeting financial inclusion for underbanked Filipinos. Deposits are PDIC-insured up to ₱1 million.

2021 · Bonifacio Global City, Taguig, Philippines · Series B

The new era of digital banking

CIMB Bank Philippines, Inc. is a digital-only, mobile-first bank operating under a BSP commercial banking license and a wholly-owned subsidiary of Malaysia's Bursa Malaysia-listed CIMB Group. Launched in 2018–2019 as CIMB Group's first all-digital bank in ASEAN, it lets customers open an account in minutes with no maintaining balance. It has grown to over 10 million customers and ranked #41 on The Asian Banker's World's Top 100 Digital Banks 2025. Products span high-yield savings (incl. the GSave partnership with GCash), time deposits, virtual cards, and consumer loans, often via partner apps like GCash and Lazada.

2018 · Bonifacio Global City, Taguig, Philippines · Private

Make every payment rewarding

GrabPay is the financial-services brand built into the Grab super-app in the Philippines. The GrabPay wallet, operated by BSP-regulated GPay Network PH Inc., lets users pay for Grab rides, food and delivery, scan merchant QR codes, check out online, pay bills, buy load, transfer funds and earn GrabRewards, plus PayLater BNPL. Through SEC-licensed Grab Financial Services Philippines, Inc., Grab also offers GrabFinance Quick Cash working-capital loans for merchant-partners and Grab Cash Loan for consumers and drivers. A wholly owned part of NASDAQ-listed Grab Holdings (NASDAQ: GRAB).

2018 · Metro Manila, Philippines · Public

Philippine pawnshop, remittance and microfinancial services

Cebuana Lhuillier is one of the Philippines' largest microfinancial services providers, operated by PJ Lhuillier, Inc. Under the trade name adopted in 1987 (with roots in the Lhuillier family's Agencia Cebuana pawnshops), it offers pawnbroking, domestic and international money remittance (Pera Padala), microinsurance, micro-loans, micro-savings, bills payment, money changing and e-loading. It serves over 30 million clients through a nationwide network of 2,500+ branches and is part of the PJ Lhuillier Group of Companies.

1987 · Makati City, Philippines · Private

Blissful Shopping. Easy Billing.

BillEase is a Philippine buy-now-pay-later (BNPL) and consumer-credit app operated by First Digital Finance Corporation. Founded in 2017 by former McKinsey colleagues, it lets shoppers pay in installments at thousands of online and in-store merchants and also offers personal cash loans, e-wallet top-ups, mobile load, bills payment and gaming credits. Using proprietary credit scoring and alternative data, it serves underbanked Filipinos with instant approvals. It is registered with the SEC as a financing company and with the BSP as an operator of a payment system.

2017 · Ermita, Manila, Philippines · Series C

Making education affordable for Filipino youths

Bukas is a Philippine education-financing platform, operated by Bukas Finance Corp. (an SEC-registered financing company) under regional parent ErudiFi. It partners with colleges and universities to let students and families pay tuition in affordable monthly installments instead of large upfront lump sums. Plans can cover up to 100% of tuition, payable over 3, 6, 9, or 12 months, with funds disbursed directly to the partner school. Applications are fully online. ErudiFi also operates Danacita in Indonesia.

2019 · Makati City, Philippines · Series A

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

Smart banking solutions and business loans

First Circle provides SME financing and business banking solutions in the Philippines. First Circle Growth Finance Corp. is an SEC-regulated financing company; banking services are provided by partner bank Netbank. Products include credit lines, loans and business accounts. It reported about PHP25B disbursed since 2018 in its July 2026 partnership update. IFC announced a US$7M equity contribution in October 2024 alongside other investors, without disclosing the whole-round amount. A proposed securitization package of up to US$110M remained Pending Signing in IFC’s October 4, 2026 disclosure and is excluded from funding raised.

2016 · Taguig City, Philippines · Growth

Fast, affordable, and legit digital credit for Filipinos

Cashalo is a Philippine fintech lending platform operated by Paloo Financing, Inc. that offers fast, collateral-free digital credit to unbanked and underserved Filipinos. Launched in 2018 as a joint venture between Hong Kong-based Oriente and JG Summit's Express Holdings, it provides cash loans and buy-now-pay-later installment financing through its mobile app, using alternative data and AI-based credit scoring for approvals in as little as minutes. Cashalo was acquired by US fintech Empower Finance (rebranded "Tilt" in 2025) in April 2024 and continues to operate under the Cashalo brand.

2018 · Metro Manila, Philippines · Private

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

Responsible credit for businesses and their employees

Advance (Advance Tech Lending Inc.) is a Philippine fintech that gives businesses and their employees fast, responsible credit. It pioneered the country's first 24/7 salary-on-demand (earned-wage-access) platform, letting employees draw a portion of already-earned pay early via a mobile app, integrated with employer HRIS/payroll. It has since added business working-capital products (Business Advance, direct and payroll disbursement). Serving roughly half a million employees through 200+ partner companies, Advance has raised about US$16M+ to date (a US$16M pre-Series A in March 2023) and expanded to Vietnam via the acquisition of BravoHR.

2019 · Taguig City, Metro Manila · Series A

The Philippines' first Taglish inclusive digital banking super app

DiskarTech is RCBC's financial-inclusion super app and the Philippines' first all-in-one Taglish (Tagalog-English, with Cebuano) digital banking platform, launched July 1, 2020 to bring sachet banking to unbanked and underbanked Filipinos. It offers basic deposit and regular savings accounts (no maintaining balance), the Pasado Loan of up to PHP 500,000, fund transfers, bills payment, e-load, QR payments, cash-in/out via 100,000+ agents, plus affordable insurance and telemedicine. Deposits are supervised by the BSP and insured by PDIC. The app surpassed 3 million downloads within three months of launch.

2020 · Makati City, Philippines · Public

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

People-first AI platform for HR, payroll and embedded employee finance

Sprout Solutions is the Philippines' largest homegrown B2B HR and payroll SaaS company, founded in 2015 by Patrick and Alex Gentry. Serving 1,000+ corporate clients and 180,000+ employees, it runs HRIS, payroll, compliance and analytics. In September 2024 it launched Sprout Finances, an embedded-finance suite: ReadyWage (earned-wage access / salary-on-demand) and ReadyCash (salary advances of PHP 3,000-50,000, powered by partner bank Netbank), with ReadySaver savings in development. Sprout has raised about US$18.3M across seed, Series A (Point72 Ventures) and a 2023 US$10.7M Series B led by Cercano Management.

2015 · Mandaluyong, Metro Manila · Series B

Powered by Passion

Esquire Financing, Inc. (EFI) is one of the Philippines' largest non-bank SME lenders, providing fast, non-collateral business loans to small and medium enterprises. Founded in 2011 by chairman and CEO Rajan Uttamchandani, the Taguig-based financing company offers loans of ₱100,000 to ₱10 million with minimal requirements and credit decisions in as little as 1–3 days, applied for online or through its mobile app and nationwide offices. EFI has disbursed over US$400 million to tens of thousands of entrepreneurs and is backed by private-equity firm Crescent Point Capital.

2011 · ARCA South, Taguig · Private

Kredivo is a Buy Now, Pay Later and digital credit platform that lets Filipinos shop online and in-store and split purchases into flexible payments. Through the Kredivo app, approved users get a reusable credit limit (up to ₱50,000) accepted at 600,000+ merchants and QRPh checkout points, with 0% interest on 30-day payments and installment plans of 3 to 24 months. Operated by SEC-registered Kredivo Philippines Financing Corp., it is part of the Kredivo Group (formerly FinAccel), one of Southeast Asia's largest BNPL and consumer-credit providers, also operating in Indonesia and Vietnam.

2019 · Metro Manila, Philippines · Growth

MabilisCash is a Philippine online lending app operated by Mabilis Cash Financing Corp. (formerly Mali Lending Corp.), an SEC-registered, licensed financing company. Through its mobile app it offers fast, fully digital personal cash loans of up to ₱90,000 with quick approval, instant disbursement, and flexible installment repayment — no collateral or branch visits required. Built for accessible, paperless borrowing, it has surpassed 5 million app installs and is part of Fintopia, a global AI-driven fintech group.

2019 · Bonifacio Global City, Taguig · Private

Kviku is an online consumer-lending platform operated by Kviku Lending Co. Inc., an SEC-registered lending company in the Philippines. Through its app and website, Filipinos can apply for unsecured cash loans entirely online using a valid government ID, with automated approval and funds typically released within an hour. Loan amounts run from roughly PHP 1,500 to PHP 25,000 over short terms, with transparent pricing and no collateral required. Kviku is part of an international fintech group offering instant-credit services across Europe and Asia.

2020 · Makati City, Philippines · Private

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

The credit you've always deserved

Zed is a credit-led neobank building modern credit products for young Filipino professionals. The Zed Card is a premium no-annual-fee Mastercard with no foreign-transaction fees and an interest-free grace period of up to 31 days. Instead of relying on traditional credit scores, Zed uses AI-driven underwriting that assesses current and potential income to set credit limits — extending access to people often overlooked by banks. Cardholders also get unlimited virtual cards. Zed is the first Philippine neobank licensed by the Bangko Sentral ng Pilipinas to operate as a standalone credit card issuer.

2023 · Taguig, Metro Manila · Series A