What SAVii does

SAVii, legally New Cross Credit and Financing Gate PH, Inc., is a Philippine fintech founded in 2017 that operates a B2B2C "Salary Loan Management Platform." The company partners directly with employers (150+ corporate accounts including Concentrix, Sitel, TaskUs, Golden Arches, Am-phil, and FPF FCF) to deliver salary-linked financial products to their employees at zero cost to the employer. End users access the full product suite through the SAVii mobile app (available on iOS, Android, and Huawei AppGallery); employers manage integration and engagement analytics through a dedicated Employer Portal. The underlying technology stack combines payroll-linked auto-debit for loan repayment, an employer integration portal for analytics, and integrations with the Credit Information Corporation (CIC) for credit-bureau data and Netbank for PDIC-insured deposit-taking.

The product portfolio comprises four core lines: Salary Loans (interest rates from 0.5% monthly, tenures up to 60 months, 80% of applications approved within 24 hours and 90% of approved loans disbursed within 48 hours), Salary Advance (on-demand earned-wage access within 24 hours), Free Personal Accident Insurance (12-month coverage provided at no cost to employees of partner companies), and a Savings Account offering 4% per annum interest with no minimum deposit. Revenue is generated primarily from interest on salary loans, fees on salary advances, and interchange on savings deposits; products are priced on usage-based and subscription models with monthly billing. The company has disbursed over $100 million in financial assistance since 2017 and serves 800,000+ users across diverse industries including BPO, manufacturing, and food service.

Since June 2024, SAVii has operated as a sister company to GoTyme Bank following its acquisition by GoTyme Bank shareholders, providing access to full banking infrastructure for deposit-taking, payments, and future lending products. The company maintains certifications including ISO 27001, PCI-DSS CORSeal 2025, PDPA compliance under the Philippine Data Privacy Act, and PDIC insurance up to ₱500,000 per depositor. Its go-to-market relies on dedicated enterprise sales and relationship-management teams targeting HR decision-makers, supported by content marketing (Education Hub, Workplace Intelligence reports), HR industry events, and a referral program for active employees.

Name

SAVii

Legal name

New Cross Credit and Financing Gate PH, Inc.

Website

https://savii.io/ph

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

251–500 employees

Short description

SAVii is a Philippine B2B2C fintech that partners with 150+ employers to deliver salary-linked loans, free insurance, savings accounts, and salary advances to 800,000+ employees via a mobile app, operating as a sister company to GoTyme Bank.

Ownership category

akta.pro rank

Product category

Employee Financial Wellness / Salary-Linked Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Employer-Sponsored / Payroll-Linked Personal Loans (Unsecured Installment) (FSAKAAAM)

Keywords

• Salary-linked lending
• Earned wage access
• Employee financial wellness
• Employer benefit platform
• Payroll-integrated lending

Headquarters

HQ city

Manila

HQ country

Philippines

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Salary Loan Interest: Interest income from salary-linked loans provided to employees of partner companies. Interest rates starting from 0.5% monthly.
2. Salary Advance Fees: Fees from providing early access to salary within 24 hours at any time of the month
3. Savings Account Interchange: Revenue from savings deposits, with 4% interest rate per annum offered to customers. Partnered with Netbank for deposit services, insured by PDIC.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

SAVii operates a salary-linked financial services platform that partners with employers to deliver salary loans, on-demand salary advances, free personal accident insurance, and a high-interest savings account to employees. Repayments are automatically deducted from payroll via an auto-debit system, and all products are accessed through the SAVii mobile app at no cost to the employer.

Product overview

SAVii is a salary-linked financial wellness platform providing a suite of financial services to employees through employer partnerships. The core product portfolio includes Salary Loans (with interest rates from 0.5% monthly and up to 60-month tenure), Salary Advance (on-demand salary access within 24 hours), Free Insurance (personal accident coverage for 12 months), and Savings Account (4% annual interest rate). These products are delivered through the SAVii App (available on iOS, Android, and Huawei) and supported by an Employer Portal for HR management. Additional offerings include the Fintelligence Program for financial education, Workplace Intelligence reports for HR analytics, and a Refer & Win incentive program. All products are linked to the employee's salary for repayment and are offered at no cost to employers.

Differentiator

Problem solved

Functional benefit

Products and services

• Salary Loans

Quantifiable outcome

• 80% of loan applications approved within 24 hours
• +2 more outcomes

Named customers6 records

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• GoTyme BankcoreStrategic or Co-development PartnerGoTyme Bank is a sister company of SAVii. SAVii was acquired by GoTyme Bank shareholders in June 2024. The partnership enables SAVii to leverage banking infrastructure for savings accounts and financial services.
• NetbankcoreTechnology or IntegrationNetbank provides the banking infrastructure for SAVii's savings account product. Deposits are insured by PDIC up to P500,000.
• PDIC (Philippine Deposit Insurance Corporation)minorOthersGovernment corporation providing deposit insurance for SAVii savings accounts, insuring deposits up to P500,000 per depositor.
• CIC (Credit Information Corporation)coreStrategic or Co-development PartnerSAVii is registered as an Accessing Entity at CIC, the country's public credit registry. This enables SAVii to access credit information for loan assessments.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Wagestream: UK-based financial wellness platform built around employer partnerships and earned wage access. Comparable in B2B2C go-to-market, mobile delivery and bundling of financial education with wage access.
• ZayZoon: Canadian EWA platform serving SMB employers with salary-linked wage advances and integrated payroll. Closely analogous to SAVii's employer-partnered, salary-deducted model at smaller scale.
• Even: US-based EWA and financial wellness app partnering with employers to give workers early access to wages plus budgeting tools. Mirrors SAVii's combined wage-access + financial-wellness positioning.
• Earnin: US EWA app giving users early access to wages without mandatory employer integration. Overlaps with SAVii's salary-advance product though operates in a consumer-direct rather than employer-distributed model.
• DailyPay: Leading US EWA provider partnering with employers to deliver same-day pay access. Comparable to SAVii in employer-distributed model and auto-debit repayment mechanics, though focused on US enterprise customers.
• PayActiv: US-based earned wage access (EWA) platform that partners with employers to give employees on-demand access to earned wages. Operates the same B2B2C salary-linked model as SAVii, with payroll integration and mobile-first delivery.

Regional players

• GCash: Philippines' dominant e-wallet and digital financial services super-app by Mynt/Globe. Competes with SAVii on payments and savings in the same Philippine consumer market, and could expand into salary-linked lending at scale.
• Maya: Philippine digital bank and e-wallet (formerly PayMaya) offering payments, savings and credit. Competes with SAVii for the same Filipino consumer financial-services wallet share and could move into employer-distributed salary products.

Emerging players

• Tala: Global digital lender serving underbanked consumers in emerging markets (Mexico, India, Philippines) via mobile. Comparable to SAVii in serving thin-file workers, but competes via consumer-direct underwriting rather than employer partnerships.
• Branch International: Digital lender and payments platform for emerging markets including Kenya, Nigeria, India and Mexico. Comparable to SAVii in targeting underbanked workforces with mobile-first credit, though operates without the employer channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/SAViiPH
• Facebookfacebook.com/SAViiPH
• LinkedInlinkedin.com/company/saviiasia
• Instagraminstagram.com/saviiph

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds3 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SAVii