LenderLink Philippines, a fintech focused on improving credit data infrastructure, has raised $1.25 million in an oversubscribed seed round.

The investment comes from a group of investors, including Kaya Founders, Iterative, Founders Launchpad, and leading local business angels including Manila Business Angels, marking LenderLink’s first external fundraising round, LenderLink said in a statement on Thursday.

According to the statement, the newly secured funding will drive technology enhancements, market expansion, and partnerships with key lenders and financial institutions, further solidifying its role in transforming the lending landscape in the country.

It is noted that the firm is building the first high-tech, real-time credit bureau in the country.

The company aims to help lenders reduce their non-performing loans (NPLs). It is also aiming to modernize consumer lending with its API-first platform that enables lenders to report and access consumer credit risk data in real time.

By addressing the high default rates that drive up borrowing costs, the firm is paving the way for lower consumer interest rates and greater financial inclusion in the fast-growing consumer lending marketing of the Philippines.

“We’ve spent years in fintech and observed that one of the biggest barriers to affordable lending in emerging markets is the lack of real-time credit data infrastructure,

“With this funding, we are addressing this foundational problem by bringing credit into the tech age, leveraging artificial intelligence (AI), data science, and automation to empower lenders while enabling consumers to rehabilitate their credit
profiles faster and more safely,” said Christo Georgiev, Chief Executive Officer of LenderLink.

It is noted that the Philippines’ consumer lending market has grown 4 times in the past decade, now estimated at $14 billion, yet remains constrained by outdated infrastructure.

LenderLink aims to unlock further growth by providing lenders with smarter risk assessment tools while giving borrowers fairer access to credit.

With five contributing ecosystems and over 25 million records (and growing) already
integrated, the firm is shaping up to be an exclusive network where early adopters
gain better participation terms and a competitive edge in lending.

Member financial institutions have a first-mover advantage in accessing the country’s first high-tech, real- time credit data, designed to reduce non-performing loans (NPLs) and improve lending performance.

“What sets LenderLink apart isn’t just the technology—it’s the caliber of the founding team and the clarity of their vision,

“The founders bring to the table deep domain expertise in fintech, credit assessment, and data science. Their years of industry experience has helped to inform their insight that lenders can only make optimal lending decisions through real-time credit intelligence,” said Ray Alimurung, General Partner at Kaya Founders.

He believes that LenderLink will be pivotal in enabling lenders of all types, from traditional financial institutions and cash lenders to digital banks and buy now pay later (BNPLs), to scale effectively while mitigating risk, and have deep conviction that LenderLink’s ability to deliver real-time, high quality credit data will be a game-changer for an ecosystem that has traditionally struggled with fragmented and outdated credit information.

Backed by deep industry expertise, LenderLink is founded by a team of fintech veterans behind FinScore, a credit scoring company in the Philippines that operated for six years before a successful exit.

#Fintech #CreditInnovation #FinancialInclusion #RealTimeData #PhilippinesStartup