SEC-registered lending companies

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

Asteria Lending, Inc. is a Makati-based online lending company that makes borrowing fast, simple, and fully digital. Through its website, Filipinos can apply for salary and personal loans from ₱2,000 up to ₱50,000 with no collateral and minimal requirements, and receive a decision within about 24 hours, with flexible repayment terms of 30 to 120 days. SEC-registered and licensed as a lending company, Asteria positions itself as a convenient, entirely online alternative to traditional banks — lighter requirements, no branch visits or queues, and a support team to guide borrowers.

2016 · Makati City, Metro Manila · Private

Crawfort Philippines is an SEC-registered online lending company offering fast, fully digital personal cash loans of up to ₱50,000 to individual borrowers, with applications and disbursement handled through its mobile app and website. It is the Philippine arm of Singapore-based Crawfort (Capital C Corporation).

2019 · Makati City, 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

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

Kailangan mo ng pera? I-LoanChamp mo na!

LoanChamp is an online lending platform operated by Y Finance Inc., a Makati-based SEC-registered lending company founded in 2018. It offers fully online personal, salary and seafarer loans of ₱2,000 to ₱500,000 with same-day disbursement, focused on financial inclusion for underserved Filipino borrowers. In 2023, UAE-based consumer-tech group Astra Tech acquired a 90% stake in Y Finance.

2018 · Makati City, Metro Manila · Private

Pay Later Anywhere

Mocasa is a Philippine virtual credit wallet and buy-now-pay-later app operated by SEC-licensed Philippine Cashtrout Lending Corp. It gives underbanked Filipinos an instant virtual Mastercard credit line for online and in-store QR purchases, plus Quick Loan cash advances of up to ₱50,000 disbursed to GCash, Maya, bank or e-wallet accounts. Users can also pay bills and buy mobile load in-app, with a 50-day interest-free repayment window on credit purchases. With more than 1 million app downloads and hundreds of thousands of active users, Mocasa is one of the country's first app-based virtual credit lines.

2022 · Pasig City, Metro Manila · Private

This is finance built for SMEs

N90 Lending Corp. is an SEC-registered, born-digital alternative lender giving Philippine small and medium enterprises fast, fair, and flexible access to capital. Built around the realities of delayed payments and rigid bank requirements, N90 offers small business loans, invoice financing, purchase-order and working-capital funding, and bridge loans of up to ₱25 million — with minimal documentation, upfront pricing, and quick decisions. It also extends to the workforce through Earned Wage Access via its AgadPay product. Based in Bonifacio Global City, Taguig.

2024 · Bonifacio Global City, Taguig · Private

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

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

SplitMo is a Philippine credit-card installment platform operated by 4Gives Lending Services Corp. It lets shoppers split purchases into installments using their existing Visa, Mastercard, JCB or American Express cards at checkout, with no separate bank installment approval, while merchants receive the full amount upfront within 1–2 banking days. 4Gives positions itself as an embedded-finance and BNPL platform serving consumers, merchants and employers. It is a BSP-registered Operator of Payment System and an SEC-registered lending company.

2020 · Makati City, Metro Manila · Private

Payment infrastructure for Southeast Asia

Xendit is a Southeast Asian digital payments company founded in 2015. It provides payment infrastructure that lets businesses — from startups and SMEs to large enterprises — accept and send money across the region. In the Philippines it operates as Xendit Philippines, Inc., offering a payment gateway supporting 30+ local payment methods (cards, e-wallets, bank transfers, over-the-counter), plus payouts, payment links, subscriptions and marketplace tools. It became a unicorn in 2021 and has raised about US$538 million to date.

2015 · Bonifacio Global City, Taguig, Philippines · Growth