Asialink

What Asialink does

Asialink Finance Corporation is a Philippine non-bank financial institution founded in 1997, headquartered in Pasig, and operating 86 branches nationwide. The company extends personal, consumer, and business loans, with its core underwriting focus on micro, small, and medium enterprises (MSMEs) and a secondary inclusive-financing vertical serving women entrepreneurs through programs such as the Women's Access to Inclusive Support initiative. Its revenue model is interest-and-fee based on originated loans, distributed entirely through direct-to-consumer branch channels rather than digital or broker marketplaces; pricing is quote-based and not publicly disclosed.

Asialink operates as a licensed NBFI in a regulated lending market and has positioned itself as an institutional-grade MSME lender. In February 2024, Malaysia-based private equity firm Creador invested approximately PHP 4 billion (~$71.3 million) into the company to fund expansion, operational efficiency, and digitalization. In October 2025, the company secured a $75 million syndicated social loan arranged by Standard Chartered Bank — with participation from Bank of China, Chang Hwa Bank, First Commercial Bank, Hua Nan Commercial Bank, and Taichung Commercial Bank — which was the first syndicated social loan extended to an NBFI in the Philippines and is earmarked to grow the loan book from PHP 41.9 billion toward PHP 48.7 billion by December 2025. The company employs between 1,001 and 5,000 staff and remains privately held with Creador as a disclosed institutional investor.

The business is execution-led rather than technology-led: the proprietary technology stack is not disclosed, there is no observed AI/ML capability, and no app or API surface is documented. Strategic differentiation rests on branch density, regulatory standing, and access to institutional and social capital — factors that allow Asialink to serve borrowers typically excluded by formal banks. Recent leadership additions (a CHRO in January 2026) and the explicit digitalization agenda signal an intent to evolve the operating model toward a hybrid digital-plus-branch origination platform, but no disclosed technology milestones support that shift yet.

Name

Asialink

Legal name

Asialink Finance Corporation

Website

https://asialinkfinance.com.ph

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Asialink Finance Corporation is a Philippine non-bank financial institution founded in 1997, operating 86 branches that extend personal, consumer, and business loans primarily to MSMEs and women entrepreneurs across the Philippines, with a loan portfolio targeted to reach PHP 48.7 billion by December 2025.

Ownership category

akta.pro rank

Product category

Non-Bank Financial Services / MSME Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industry

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

Keywords

• MSME lending
• Consumer loans
• Personal loans
• SME financing
• Inclusive finance

Headquarters

HQ city

Pasig

HQ country

Philippines

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. MSME Loan Financing: Asialink generates revenue through interest income on loans extended to micro, small, and medium enterprises (MSMEs), as well as personal, consumer, and business loans. The company operates as a non-bank financial institution (NBFI) providing inclusive financial services.
2. SME Lending: Revenue is generated from interest and fees on loans provided to SMEs in the Philippines, supporting the company's core lending operations.

Go-to-market motion2 records

Distribution channels1 record

Core offering

Asialink Finance Corporation is a Philippine non-bank financial institution that provides personal loans, consumer loans, and business loans primarily targeting micro, small, and medium enterprises (MSMEs/SMEs) and individual consumers. It operates a network of 86 branches across the Philippines to deliver inclusive financial services and MSME loan financing.

Product overview

Asialink Finance Corporation operates as a non-bank financial institution in the Philippines, offering a unified lending platform with personal loans, consumer loans, and business loans primarily targeting MSMEs and SMEs. The company operates through 86 physical branches nationwide and supports specific programs like the Women's Access to Inclusive Support initiative. The institution focuses on expanding MSME loan financing and inclusive financial services across the Philippines.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Loans Personal loans offered by Asialink Finance Corporation to individual borrowers in the Philippines through its 86-branch network, supporting personal financing needs.
• Consumer Loans Consumer loans offered by Asialink Finance Corporation to individual consumers in the Philippines through its 86-branch network, supporting household and consumption financing needs.
• Business Loans Business loans offered by Asialink Finance Corporation primarily targeting micro, small, and medium enterprises (MSMEs/SMEs) in the Philippines, supporting working capital, business expansion, and operational financing needs.
• Women's Access to Inclusive Support Initiative A targeted inclusive financing initiative supporting women-owned or women-led MSMEs in the Philippines, providing accessible financing and addressing gender-specific barriers to accessing financial services.

Quantifiable outcome

• Loan portfolio growth from PHP 41.9 billion to PHP 48.7 billion projected by December 2025

Named customers2 records

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Maya Bank: Digital bank and fintech platform in the Philippines offering consumer loans and SME financing through mobile-first channels. Comparable as an emerging digital lender competing for the same MSME and consumer borrower base.
• GCash (Mynt): Leading Philippine fintech offering digital lending products (GCredit, GLoan) to millions of users. Represents the digital-native competitive threat to Asialink's traditional branch-based MSME and consumer lending model.

Broad incumbents

• RCBC (Rizal Commercial Banking Corporation): Philippine universal bank with established SME lending division and consumer finance products. Comparable as a competitor targeting the same MSME and consumer borrower segments across branch and digital channels.
• China Banking Corporation: Philippine commercial bank with dedicated SME banking unit serving micro, small, and medium enterprises. Comparable as a larger incumbent targeting overlapping MSME customer segments with similar loan products.
• AUB (Asia United Bank): Philippine commercial bank with focus on SME and consumer lending, comparable to Asialink in targeting small business borrowers and offering consumer loan products through branch-based distribution.
• UnionBank of the Philippines: One of the Philippines' largest digital-forward banks with strong SME lending franchise and consumer loan products. Represents the broader commercial banking competition Asialink faces from incumbent players expanding into MSME lending.

Direct peers

• Cebuana Lhuillier: Philippine microfinance and pawnshop operator with over 2,500 branches serving unbanked and underbanked customers. Comparable to Asialink in addressing financial inclusion through branch-based lending to underserved MSMEs and consumers.
• PSBank (Philippine Savings Bank): Philippine thrift bank part of the Metrobank Group offering personal, consumer, and SME loans through a nationwide branch network. Highly comparable to Asialink in customer segment (MSME/consumer) and branch-based distribution model.
• SB Finance: Philippine finance company (NBFI) focused on consumer and SME lending, similar in scale and business model to Asialink, providing installment loans and financing to underbanked segments.

Others

• House of Investments: Philippine diversified financial services holding company with exposure to consumer finance and lending businesses. Comparable as a Philippines-based financial services group operating in adjacent lending and finance segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/asialinkph

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors6 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 Asialink