LenderLink

What LenderLink does

LenderLink is a Philippines-based fintech operating the country's first real-time, consent-based credit data exchange. The platform connects digital lenders, BNPL providers, collection agencies, and traditional financial institutions through a single API, enabling contributors to share verified borrower credit records and consumers to query a shared data pool covering 45M+ borrowers as of early 2026. The company's core technology stack is API-first, processing data daily and returning credit checks in 0.6 seconds via endpoints including the Mega API, Full Response Consumer API, Contributor API, Telco Score API, Loan Applications Check API, and Payment Transaction Data API. Differentiated features include a 60% hit rate on thin-file and unbanked borrowers (vs. incumbent bureaus), a Pay Per Hit pricing model with no-hit/no-pay economics, and a 50% revenue share for contributing lenders.

The business model combines transaction-based pricing (Pay Per Hit per query), revenue share to contributors (50% of data match revenue), and platform access fees. LenderLink operates three participation modes — Consumer (data access only), Contributor (share data and earn), and Both (dual role) — with a non-API Bulk Upload web portal serving smaller lenders. Distribution is exclusively B2B through direct enterprise sales, demo requests, investor/partner referrals, and developer self-service via comprehensive API documentation at docs.lenderlink.ph. Revenue is not publicly disclosed; the company is venture-backed by Kaya Founders, Iterative, Founders Launchpad, Manila Business Angels, and Amand Ventures, with a disclosed $1.25M pre-seed round closed in April 2025.

The company holds ISO 27001:2022 certification for information security and was certified as a Technical Service Provider (TSP) by the Credit Information Corporation (CIC) in December 2025. Founded in 2021 by Christo Georgiev (CEO), Dimitar Manolov, Dimo Hristov, and Petya Dimitrova — the team behind the previously exited Philippine credit scoring company FinScore — LenderLink is incorporated as LenderLink Pte Ltd in Singapore with operational headquarters in Metro Manila. The company targets digital lenders and fintechs as its primary segment, with expansion into traditional banks, collection agencies, SME lenders, and motor vehicle financing.

Name

LenderLink

Legal name

LenderLink

Website

https://lenderlink.ph

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

LenderLink operates the Philippines' first real-time, consent-based credit data exchange, connecting digital lenders, BNPL providers, and collection agencies through a single API to share and query 45M+ borrower records with 0.6-second response times.

Ownership category

akta.pro rank

Product category

Credit Data Infrastructure

NAICS

Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit & Underwriting Data Services (alt data feeds, affordability, bureau augmentation) (FSAGACAH)

akta.pro secondary industries

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Consumer Credit Decisioning & Underwriting Platforms (FSAKAKAG), Credit Score Monitoring & Credit Building (FSAGADAE)

Keywords

• Credit data exchange
• Consumer credit scoring
• Alternative credit data
• Credit bureau services
• Fintech data infrastructure

Headquarters

HQ city

Manila

HQ country

Philippines

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Pay Per Hit / Transaction Fees: Lenders are charged on a per-query basis using the Pay Per Hit model — no payment is required when no positive data match is returned. This creates a risk-free entry point for new members and aligns costs with actual data utility.
2. Revenue Share for Data Contributors: Contributing lenders receive a 50% revenue share on data matches generated from their contributed records. This incentivizes lenders to share high-quality borrower data and creates a two-sided marketplace dynamic.
3. API Access and Platform Fees: Members pay for access to the platform's APIs (Consumer API, Contributor API, Mega API) and associated tools such as web portal and bulk upload capabilities, enabling both data consumers and data contributors to participate.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels10 records

Core offering

LenderLink operates the Philippines' first real-time, consent-based credit data exchange platform, aggregating borrower credit information from digital lenders, BNPL providers, collection agencies, and alternative data sources through a single API. The platform exposes over 45 million borrower records refreshed daily, returns query responses in 0.6 seconds, and offers specialized APIs for credit scoring (including telco-based scoring), loan application tracking, payment transaction analysis, and contributor data submission, along with the Collect360 collection optimization tool and proprietary Gen-1/Gen-2 credit scores.

Product overview

LenderLink is a real-time, consent-based credit data exchange platform for the Philippine lending market. The platform operates as a network connecting digital lenders, collection agencies, and credit bureaus through a single API integration. The Core Platform serves as the central infrastructure enabling access to over 45 million verified borrower records, while Collect360 provides collection optimization capabilities. The product suite includes multiple specialized APIs (Mega API, Consumer API, Contributor API, Telco Score API, Loan Applications Check API, Payment Transaction Data API) along with proprietary Gen-1 and Gen-2 Credit Scores. Three participation modes are offered: Consumer (access data), Contributor (share and earn), and Both (dual role). The platform differentiates through real-time data refresh (daily), 60% hit rate on thin-file borrowers, and sub-second response times (0.6 seconds).

Differentiator

Problem solved

Functional benefit

Products and services

• Core Platform (Credit Data Exchange) Real-time, consent-based credit data exchange platform enabling lenders, collection agencies, and financial institutions to share and access verified borrower records through a single API integration for faster approvals, better risk insights, and fraud prevention.
• Collect360 Collection management tool that sends early alerts for risk monitoring, supports skip tracing with verified addresses and geolocation data, and enables phone number verification to prioritize active contact profiles for existing portfolio collections.
• Mega API Consolidated API endpoint providing access to all platform products and data sources through a single integration, enabling lenders to query multiple credit data types simultaneously.
• Full Response Consumer API API providing detailed individual borrower profiles including KYC data (name, DOB, ID type/number, mobile, email, address), loan history (open balances, overdue amounts, repayment records), and status codes from all contributing lenders.
• Telco Score API API providing telco-based credit scoring for SMART and Globe subscriber numbers, including loan application inquiry counts across different time windows, enabling alternative credit assessment for borrowers with limited traditional credit history.
• Loan Applications Check API API tracking loan applications a borrower has submitted across lenders, enabling detection of potential over-indebtedness, multiple simultaneous applications, and circular borrowing patterns.
• Payment Transaction Data API API returning borrower payment transaction history including transaction counts, amounts, categories (Loans, Fintech, Marketplace), and time-bucketed summaries (1–30 days, 31–60 days, 61+ days) for alternative creditworthiness assessment.
• Contributor API API enabling lenders to submit hashed borrower data (phone numbers, loan portfolios) for participation in the credit data network, supporting daily data updates via authenticated endpoints with SHA-512 privacy protection.
• Gen-1 Credit Score First-generation proprietary credit scoring model providing foundational credit risk assessment based on LenderLink's network data, including risk features such as DPD flags, delinquency indicators, and repayment history analysis.
• Gen-2 Credit Score Next-generation proprietary credit scoring model providing enhanced risk assessment capabilities beyond traditional credit bureau scores, leveraging the LenderLink network's daily-refreshed borrower data.
• Bulk Upload Tool Web portal tool enabling non-API-ready mid-market members to submit batch credit data requests via downloadable templates and receive processed reports without direct API integration.

Quantifiable outcome

• 60% hit rate on thin-file and unbanked borrowers — higher than incumbent credit bureaus
• +7 more outcomes

Named customers17 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability4 records

Feature15 records

Partnerships

Six partnerships are on record, tiered core, secondary and minor.

• BilleasecoreTechnology or Integration · 1 May 2026The Philippines' leading Buy Now, Pay Later (BNPL) platform, joining LenderLink as a Contributing Member. Billease contributes to and draws from a network connecting over 20 financial institutions and 45+ million borrower records. Every Billease customer with responsible repayment history now has that track record visible to other lenders in the network.
• Home Credit PhilippinescoreTechnology or Integration · 16 April 2026The country's leading consumer finance company backed by Bank of Ayudhya Public Company Limited (Krungsri) and Security Bank Corporation. Home Credit joins LenderLink's 20-member network, bringing one of the country's largest consumer finance portfolios. The integration strengthens credit assessment capabilities while allowing millions of borrowers to demonstrate creditworthiness across the ecosystem.
• Honey Loan (Ecofinance)secondaryTechnology or Integration · 25 February 2026Online lending platform part of the global financial technology company Ecofinance, which operates consumer lending brands across multiple markets. This integration marks Ecofinance's first entry into Southeast Asia. Honey Loan accesses LenderLink's network of over 36 million borrower records for real-time approval decisions while reducing fraud and default risks as it expands in the Philippines.
• CashalocoreTechnology or Integration · 21 January 2026One of the Philippines' leading digital lending platforms with 10 million registered members, operated by Paloo Financing, Inc. (SEC-registered financing company and online lending platform). Cashalo integrates with LenderLink to access real-time borrower insights and consent-based checks, enhancing its credit decisioning models. Cashalo also contributes verified data to strengthen the broader ecosystem.
• Salmon GroupcoreTechnology or Integration · 18 December 2025One of the Philippines' fastest-growing fintech groups, Salmon completed end-to-end integration with LenderLink in just four weeks. As a member, Salmon accesses real-time credit data across the network and contributes its own portfolio data. The partnership represents one of the first integrations by a Philippines-based fintech group of consumer credit data into a secure, consent-based credit exchange platform. Salmon Group holds a controlling stake in Sunprime Finance Inc. and launched the Salmon App rated 4.8 on both App Store and Google Play.
• Fintech Alliance & Fintech Philippines AssociationminorOthers · 18 September 2025LenderLink is an active member of these industry associations, positioning itself within the Philippine fintech ecosystem and contributing to industry-wide efforts around credit infrastructure, responsible lending, and regulatory compliance.

Scale indicators10 records

Recent moves6 records

Expansion highlights7 records

Market position

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/lenderlinkph

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds1 record

Investors4 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 LenderLink