SEC-registered financing companies

Dagdag PUHUNAN, dagdag BENTA, dagdag KITA!

1Sari is a Philippine financing company providing embedded inventory and working-capital loans to micro-retailers, primarily the country's sari-sari (neighborhood) stores. Through partnerships with the B2B platform Packworks, UNO Digital Bank and Cebuana Lhuillier, eligible stores can access a starter credit line of about ₱2,500 — delivered in-app — to restock inventory, with a prompt-payment rebate. Founded in 2022 and based in Quezon City, 1Sari targets the roughly 1.3 million largely unbanked sari-sari stores with inventory financing, working-capital and general-purpose microloans to support financial inclusion.

2022 · Quezon City, Metro Manila · Private

ACOM Consumer Finance Corporation is an SEC-licensed financing company offering fast, collateral-free consumer cash loans to employed Filipinos. Its flagship product, REVOMAX, is an online revolving credit line of ₱3,500 to ₱500,000 that can be reused within an approved limit and grows with a borrower's repayment history. Customers apply online through the ACOM website or mobile app with e-signature, with funds disbursed to bank accounts, GCash, or Maya. Established in 2017, it is a joint venture of Japan's ACOM Co., Ltd. — a Mitsubishi UFJ Financial Group (MUFG) company — and ITOCHU Corporation.

2017 · Pasig City, Metro Manila · Private

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

Akulaku is a Southeast Asian digital-finance platform offering app-based consumer credit to Filipinos. In the Philippines it is operated by SEC-licensed Streetcorner Lending Corp. and provides Akulaku PayLater — a buy-now-pay-later line for online and in-store shopping — alongside the Akulaku Cash Loan app, which lets approved users borrow and receive funds in as fast as 24 hours, disbursed to bank accounts or e-wallets like GCash and Maya. Part of a regional group serving over 10 million users across Indonesia, the Philippines and Malaysia, backed by investors including Ant Group, Siam Commercial Bank and MUFG.

2016 · Pasig City, Metro Manila · Growth

Asialink Finance Corporation is one of the Philippines' largest non-bank lenders, specializing in collateral-backed credit for micro, small and medium enterprises — secured vehicle, truck and second-hand auto loans, real-estate-backed business loans, and OFW/seafarer personal loans. Founded in Pasig in 1997, it operates roughly 250 branches nationwide. In February 2024 private-equity firm Creador acquired an 18% stake for ₱4 billion, and the company has since secured IFC, ADB and CGIF-backed facilities to expand MSME lending (targeting ₱17 billion in disbursements for 2025) while digitalizing operations. Majority-owned by the Lugtu family.

1997 · Pasig City · Private

Buy now, pay later at 0% interest

Atome is a buy-now-pay-later (BNPL) and consumer-finance app that launched in the Philippines in 2021, operated locally by SEC-registered Neuroncredit Financing Company Inc. and part of Singapore's Advance Intelligence Group. It lets shoppers split purchases interest-free across hundreds of partner merchants and via the Atome Card (Mastercard), and also offers Atome Cash personal loans and Atome Savings. The Philippines is Atome's second-largest market, with 1.6M cards issued by late 2025 and partnerships with Maya Bank and Jollibee.

2021 · Metro Manila, Philippines · Growth

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

Cash-Express is a digital consumer-lending platform offering fast, fully online cash loans to Filipinos, with applications, approval and disbursement handled in minutes via its mobile app or website. Part of Aventus Group — a digital-lending group operating across Europe and Asia since 2009 — Cash-Express (formerly Cashxpress South East Asia Lending) provides short-term loans of ₱500 to ₱40,000 with 7-to-14-day terms, including 0% interest on a new borrower's first 7 days. It operates as an SEC-registered financing company under the Truth in Lending Act, disbursing funds to the borrower's bank account or ATM card.

2019 · Bonifacio Global City, Taguig · Private

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

Kaya agad ang financial goals mo sa CEPAT KREDIT!

Cepat Kredit Financing Inc. is a Philippine financing company specializing in personal loans for Overseas Filipino Workers (OFWs) and seafarers. A member of the Asialink Group, it offers OFW and seaman's loans from roughly ₱40,000 up to ₱1,000,000 with flexible 3–24 month terms, processed online with approval in 1–3 days. The company reports over ₱7.5 billion in loans released across more than 72,900 accounts.

2019 · Pasig City, Metro Manila · Private

Easy na yan, with Easylend

Easylend is the consumer-lending brand of Country Funders Finance Corporation (CFFC), a financing company under the Philippines' Ropali Group. Launched in 2025, Easylend provides fast, accessible motorcycle, business and agricultural loans for everyday Filipinos — commuters, riders, sari-sari store owners, agripreneurs and MSMEs — with motorcycle-loan approvals in as fast as 1–2 hours and only one valid ID plus proof of income required. Through its mobile app and 300+ partner dealerships and retail outlets nationwide, CFFC has served over 200,000 borrowers since 2018.

2018 · Pasig City, Metro Manila · Private

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

Online na solusyon sa pinansyal

Finbro is a Philippine online consumer lending platform operated by Sofi Financing Inc. (formerly Sofi Lending Inc.). Through its website and mobile app it offers short-term personal cash loans of ₱1,000 to ₱50,000 with terms from 7 days to 12 months, with application, approval and disbursement done fully online — typically within minutes — to e-wallets or bank accounts, plus cash pickup via partners such as Cebuana Lhuillier, M Lhuillier and TrueMoney. It is SEC-registered and holds a Certificate of Authority to operate as a financing company.

2019 · Bonifacio Global City, Taguig · Private

Flexi Finance is a Cebu-based consumer finance company offering in-store installment financing and cash loans to Filipino shoppers. Customers can buy consumer goods such as electronics, appliances, gadgets, and furniture from partner retailers and pay in monthly installments of up to 36 months, choosing an initial payment of 10%-60%, alongside a cash-loan product. Established in 2016, the company partnered in 2017 with the PROFIREAL Group, an international consumer-finance group, bringing its point-of-sale sales-finance model to the Philippine market. Applications are processed online with paperless, cashless verification.

2016 · Cebu City, Philippines · Private

Say Hi to Holistic

Global CreditPros is a Makati-based fintech lender founded in 2016, offering salary and payroll-deduction loans aimed at the BPO workforce, OFWs, and overseas Filipinos. Beyond credit, it markets a holistic suite of add-ons including short-term insurance, educational loans, a retirement program, financial-literacy campaigns, and mental-health support. Borrowers apply online via the website or its mobile app, with credit-worthiness assessed by proprietary scoring software before payslip verification. It is a SEC-registered financing/lending company operating under a Certificate of Authority.

2016 · Makati City, Metro Manila · 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

Home Credit Philippines (HC Consumer Finance Philippines, Inc.) is the country's largest consumer-finance company, operating since 2013. It pioneered in-store point-of-sale installment loans — 0% and low-interest financing for phones, gadgets, appliances and motorcycles at partner retailers — and has grown into cash loans, the Home Credit credit card, and Qwarta, an in-app BNPL wallet for QR payments, bills and online shopping. A financing company (not a bank), it has served 13M+ customers and disbursed over ₱320B in loans since 2013 (as of 2024). It is now owned by Thailand's Krungsri (75%) and Security Bank (25%); ultimate parent MUFG.

2013 · Taguig City (BGC) · Private

Unlock working capital with Jia

Jia is a digital SME-financing company giving Philippine small and medium businesses fast access to working capital. Combining AI-driven credit assessment with blockchain-based capital, Jia offers invoice factoring, receivables and purchase-order financing, inventory financing, and supply-chain financing — with funding decisions in under 24 hours, fees of roughly 1–5%, and flexible terms from one day to six months. Backed by Coinbase Ventures, the Stellar Development Foundation and others, Jia is building an integrated financial operating system to close the Philippines' multi-billion-dollar SME credit gap.

2022 · Metro Manila, Philippines · Seed

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

Online consumer lending in the Philippines

MoneyCat is an online cash-loan service operated by MoneyCat Financing Inc., an SEC-registered Philippine financing company (Certificate of Authority No. 1254). MoneyCat offers fully digital personal loans from PHP 500 up to PHP 20,000 for terms of 65 to 180 days, with applications processed online in minutes and funds disbursed to a bank account or e-wallet. It uses telco-based alternative credit scoring to serve first-time and underbanked borrowers, and offers a 0%-interest promo on a first loan.

2019 · Mandaluyong City, Philippines · Private

OneLot is a Philippine financing platform built for independent used-car dealers, combining secured inventory loans with digital dealership tools. Operated by OneLot Financing Corporation, an SEC-licensed financing company, it uses AI-driven underwriting paired with on-the-ground vehicle appraisal to issue credit decisions within hours, giving dealers revolving credit lines to buy and stock inventory. Beyond floorplan financing, OneLot offers new-car acquisition and bank-auction loans. Founded in 2023, it has issued over US$7M in loans to 150+ dealers and raised the Philippines' largest seed round of 2025.

2023 · Makati, Metro Manila · Seed

Online personal loans for Filipino borrowers

Online Loans Pilipinas (OLP) is a Philippine online lending app operated by Online Loans Pilipinas Financing, Inc., an SEC-registered financing company (Certificate of Authority No. 1181). OLP offers fully digital, collateral-free cash loans of ₱1,000 to ₱20,000 (first-time borrowers up to ₱7,000), applied for and disbursed entirely through its mobile app to a bank account or e-wallet such as GCash, often within minutes. Loans carry 0% interest when repaid by the first due date, with terms of up to 30 days, serving Filipinos seeking quick, paperless access to short-term credit.

2017 · Mandaluyong City, Metro Manila · Private

Redefining Payday

Paywatch is an Earned Wage Access (EWA) platform that lets employees withdraw a portion of wages they have already earned before payday, repaid via payroll deduction at no debt to the worker. Founded in South Korea in 2020 and headquartered in Kuala Lumpur, it operates across Malaysia, the Philippines, Indonesia, South Korea, Singapore, and Hong Kong. It entered the Philippines in November 2023 through local entity Paywatch Philippines Finance Corporation, a BSP-registered Operator of Payment Systems, serving employers such as Shangri-La, TELUS Digital Philippines, and Sagility.

2020 · Kuala Lumpur, Malaysia · Series A

Apply in Minutes, Get Funded in 1 Day

Pondo Pinoy is a Philippine online lending company providing collateral-free working-capital loans to micro, small, and medium enterprises. It serves sari-sari store owners, franchisees, and entrepreneurs with business loans ranging from about ₱15,000 up to ₱5 million. Its model combines field agents with a web-based application portal and online payment gateways for application, disbursement, and repayment. Products include short-term working-capital loans, long-term installment loans, franchise and small-business loans, invoice financing, and revolving credit lines. The company is SEC-registered and based in Makati City.

2023 · Makati City, Metro Manila · Private

Your Trusted Financing Partner

ProCredit is a tech-enabled SME lender in the Philippines focused on the mid-market business segment, offering tailored business loans, revolving credit lines, and automatic loan top-ups with risk-based pricing. It pairs senior credit-officer-led engagement with a proprietary, rules-based underwriting and portfolio-management system to deliver fast in-principle decisions. Founded in 2023 and based in Makati, it was started by a team with decades of combined emerging-markets SME-lending experience and raised about US$4.1 million in pre-seed funding in 2024 to grow its loan book.

2023 · Makati City, Metro Manila · Pre-seed

Radiowealth Finance Company, Inc. (RFC) is one of the Philippines' pioneering non-bank finance companies, tracing its roots to the Guevara family's Radiowealth (founded 1935) and incorporated as a finance company in 1964. An SEC-licensed financing company, RFC provides accessible consumer, SME, collateral, and business loans through 120+ branches nationwide alongside a growing digital channel — online loan applications and its digital arm, Radiowealth Financial Services Corporation (RFSC), for unsecured online lending, plus embedded-lending partnerships. RFC continues to digitalize credit access for Filipino entrepreneurs and households.

1964 · Mandaluyong City, Metro Manila · 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

Dito, pwede!

SB Finance Company, Inc. is the consumer-finance arm of Security Bank, operated as a 50/50 joint venture with Thailand's Krungsri (Bank of Ayudhya, part of the MUFG group). An SEC-licensed financing company supervised by the BSP, it provides accessible loans to everyday and underserved Filipinos — salary and employee loans (eSALAD), personal loans, motorcycle financing (MotorsikLOAN), and OR/CR collateral loans (Car4Cash) — paired with financial-literacy programs that promote responsible borrowing. It has activated over 500,000 loan accounts nationwide.

2017 · Makati City, Philippines · Private

Shop with Skyro, Split your Payments

Skyro is a Philippine consumer-financing fintech offering point-of-sale installment (buy-now-pay-later) plans, product loans up to ₱100,000, cash loans up to ₱250,000 and credit lines, targeting underbanked Filipinos. Founded in 2022 and headquartered in BGC, Taguig, it operates through SEC-licensed entities Advanced Finance Solutions, Inc. and Skyro Lending, Inc., and is part of a Singapore-headquartered fintech group with leadership drawn from international fintech operators. Skyro disbursed ₱15.8 billion in loans in 2025 across a network of nearly 9,000 partner stores.

2022 · Bonifacio Global City, Taguig · Private

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

Consumer credit and employee financial wellness by Tonik

Tendo (formerly TendoPay, now "Tendo by Tonik") is a Philippine consumer-credit and employee financial-wellness platform. Founded in 2018 and operated by Templetech Finance Corp., it offers 0% installment "buy now, pay later" purchases across 200+ partner merchants, plus emergency cash loans, salary advances, bill payments, automated savings, prepaid health insurance, and rewards. Acquired by Tonik Digital Bank in 2022, Tendo now partners with the BSP-licensed neobank — which funds its loans — to extend accessible digital credit and payroll-linked financial services to Filipino consumers and employers.

2018 · Pasig City, Philippines · Private