JuanHand
JuanHand is a SEC-registered Philippine digital lender (WeFund Lending Corp.) offering mobile-app-based cash loans of ₱2,000-₱50,000 to over 6 million underserved Filipino consumers and micro-entrepreneurs, using automated credit scoring and a broad e-wallet and over-the-counter repayment network.
- Company typePrivate
- Founded2019
- HeadquartersManila, Philippines
- Headcount101–250
- GTM typeB2C
- OfferingServices
What JuanHand does
JuanHand, operated by WeFund Lending Corp., is a SEC-registered Philippine digital lending platform founded in 2019 and headquartered in Mandaluyong City (Metro Manila). The company's single core product is the JuanHand mobile app, available on iOS and Google Play, which extends short-term unsecured cash loans ranging from ₱2,000 up to ₱50,000 with repayment terms of 30 days up to 9 months at daily interest rates starting at 0.025%. JuanHand targets creditworthy but underserved Filipino consumers and small entrepreneurs who lack access to traditional bank credit, requiring only a mobile number and one valid ID to apply and delivering automated approval decisions within minutes. According to company materials, JuanHand has served over 6 million users, registered more than 12.9 million app accounts, processed 14.3 million approved transactions, and disbursed more than ₱85 billion in cumulative loans.
The platform's technology stack centers on automated underwriting and risk management. Loan decisions are driven by an automated credit-scoring engine that fuses applicant profile data, telco usage scores, device and behavioral analytics, and voiceprint biometric verification. Fraud and device-risk signals are ingested via the third-party TrustDecision SDK, which collects extensive device telemetry (IDFA, AndroidID, OAID, GAID, MAC, IP, Wi-Fi lists, sensor data). JuanHand is integrated with government and private credit infrastructure including the Credit Information Corporation (CIC), CIBI, TrustingSocial, and Finscore, and is NPC- and AMLC-compliant.
JuanHand's business model is transactional: revenue is generated from interest and fees on disbursed loans, with no upfront service charges and "what you apply for is what you receive" disbursement. Go-to-market is product-led and self-serve through the app, augmented by brand partnerships (PalawanPay, Carousell, FINIX/GKD Records), fintech industry event participation (Singapore FinTech Festival), and a multi-channel distribution and repayment network including G-Cash, Maya, PalawanPay, UnionBank, SeaBank, 7-Eleven, M. Lhuillier, and RD Pawnshop. The company employs 101-250 people and is led by President and CEO Francisco "Coco" Mauricio.
JuanHand firmographics
Firmographics- Name
- JuanHand
- Legal name
- WeFund Lending Corp.
- Website
- https://juanhand.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- JuanHand is a SEC-registered Philippine digital lender (WeFund Lending Corp.) offering mobile-app-based cash loans of ₱2,000-₱50,000 to over 6 million underserved Filipino consumers and micro-entrepreneurs, using automated credit scoring and a broad e-wallet and over-the-counter repayment network.
- Ownership category
- akta.pro rank
JuanHand industry classification
Industry- Product category
- Consumer Digital Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Online/Digital Pawn & Remote Collateral Lending (FSAKALAG)
Keywords
Where JuanHand is headquartered
LocationHeadquarters
- HQ city
- Manila
- HQ country
- Philippines
- HQ region
- Asia
Offices1 record
Markets served
JuanHand business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Others
Revenue model
- Loan Interest Income: JuanHand earns revenue through interest charged on loans. Borrowers can access up to ₱50,000 with daily interest rates as low as 0.025%, with repayment terms extending up to 9 months. Interest and fees are applied during the repayment period.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Standard loan product - up to ₱50,000 with competitive daily interest starting at 0.025% |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
JuanHand product offering
Product offeringCore offering
JuanHand offers a mobile-based digital lending service through the JuanHand App, providing fast online cash loans to underserved Filipinos with amounts up to ₱50,000, daily interest starting at 0.025%, and repayment terms of up to 9 months. Applications require only one valid ID and mobile number, with automated credit scoring enabling approval in as fast as 5 minutes. Loans are disbursed to e-wallets (e.g., G-Cash, Maya) or over-the-counter, with repayment handled through partner outlets including 7-Eleven, M. Lhuillier, and RD Pawnshop.
Product overview
JuanHand is a single-product mobile lending platform operated by WeFund Lending Corp., offering fast online cash loans to underserved Filipinos. The core product is the JuanHand Mobile App, which provides instant lending with loan amounts up to ₱50,000, daily interest rates starting at 0.025%, and flexible repayment terms of up to 9 months. Users apply via mobile app using only 1 valid ID and can receive approval within minutes. The platform connects to multiple repayment channels including G-Cash, 7-Eleven, M. Lhuillier, and RD Pawnshop. To date, JuanHand has extended over ₱85 billion in loans to more than 6 million Filipinos.
Differentiator
Problem solved
Functional benefit
Products and services
- JuanHand Mobile App (Online Cash Loan Service) A mobile lending application offering fast online cash loans of up to ₱50,000 to underserved Filipino consumers, with daily interest starting at 0.025%, flexible repayment terms of up to 9 months, minimal documentation (one valid ID), automated approval within minutes, and disbursement to e-wallets or over-the-counter.
Companies that use JuanHand
Customer profileNamed customers8 records
Segments2 records
Ideal customer profiles2 records
JuanHand technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability5 records
Feature4 records
JuanHand partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and minor.
- PalawanPaycoreJuanHand and PalawanPay forged a brand partnership during the Singapore FinTech Festival (SFF) 2026. The collaboration aims to build a stronger financial ecosystem, improve brand visibility, and expand reach nationwide. PalawanPay brings 23 million users and 2,500+ branches to the partnership, enhancing JuanHand's accessibility across the Philippines. Francisco 'Coco' Mauricio, President and CEO of JuanHand, emphasized the shared commitment to financial inclusion and serving the creditworthy yet underserved population.
- GKD Records / FINIXminorJuanHand collaborated with Filipino P-pop group FINIX (under GKD Records) to create 'Hand in Hand,' an empowerment anthem blending Tagalog and English rap with pop elements. The track serves as JuanHand's official theme song, celebrating Filipino resilience and self-belief. This brand collaboration with the music group represents a cultural marketing activation to strengthen brand resonance with Filipino youth.
- CarousellcoreJuanHand and Carousell launched a strategic partnership in December 2025 to elevate brand visibility and strengthen user engagement across both platforms. The collaboration introduces co-created visibility initiatives ensuring JuanHand's product offerings are naturally encountered as users browse and engage within Carousell's marketplace. CEO Francisco 'Coco' Mauricio stated the partnership aims to meet users where they already are online, making financial access more visible and accessible for Filipinos nationwide.
- UnionBankminorListed among partner logos as banking and financial services partner
- MayaminorListed among partner logos as e-wallet integration partner for loan disbursement and repayment
- SeaBankminorListed among partner logos as digital banking partner
- SunLifeminorListed among partner logos as insurance services partner
- Philippine Fintech AllianceminorListed among partner logos as fintech industry association member
- Fintech Alliance (Philippines)minorListed among partner logos as fintech ecosystem alliance member
- 7-ElevenminorConvenience store partner for loan repayment services
- G-CashminorE-wallet partner for loan disbursement and repayment options
- M. LhuillierminorPawnshop network partner for over-the-counter loan repayment services
- RD PawnshopminorPawnshop partner for over-the-counter loan repayment services
Scale indicators5 records
Recent moves5 records
Expansion highlights5 records
JuanHand competitors and assessment
Company assessmentDirect peers
- BillEase: BillEase is a Philippine fintech offering personal loans, BNPL, and cash credit to underserved Filipinos through a mobile app. Competes head-to-head with JuanHand in the same Manila-based underserved retail borrower segment with similar ticket sizes and digital onboarding.
- Cashalo: Cashalo is a Philippines-based digital lending platform offering cash loans and buy-now-pay-later credit to consumers via a mobile app. Directly overlaps JuanHand on geography, customer segment, and small-ticket consumer loan product.
- Tala: Tala is a mobile lending app that extends small-ticket credit to underbanked consumers in emerging markets using smartphone-based alternative data. Closely comparable to JuanHand in product (instant mobile cash loans), customer (thin-file borrowers), and underwriting approach (alternative data scoring).
- MoneyCat: MoneyCat is a SEC-registered Philippine online lending app providing fast cash loans to salaried and self-employed Filipinos. Closely mirrors JuanHand's single-product mobile lending model targeting the same underserved segment in the Philippines.
Emerging players
- Kueski: Kueski is a Mexico-based online lender offering instant consumer credit lines and BNPL to underbanked Mexicans via a mobile app. Same mobile-first, alternative-data-driven small-ticket lending model as JuanHand, but operating in Latin America.
- Atome: Atome is a SEA-focused BNPL and consumer credit platform operating across Singapore, Indonesia, Philippines, and other markets. Partial overlap with JuanHand in Philippines consumer credit, with a heavier tilt toward installment/BNPL rather than short-term cash loans.
- Akulaku: Akulaku is a Southeast Asia fintech offering consumer credit, BNPL, and digital banking across Indonesia, Philippines, and Vietnam. Comparable business model to JuanHand (small-ticket consumer credit via app) but operates across multiple SEA markets and a broader product set.
- Shopee (SPayLater): Shopee's SPayLater offers BNPL and consumer credit inside Shopee's super-app in the Philippines and across SEA. Increasingly competes with JuanHand for the same Filipino consumer credit wallet with embedded marketplace distribution advantages.
Broad incumbents
- Maya Bank: Maya (formerly PayMaya) is a Philippine digital bank and e-wallet super-app offering payments, deposits, cards, and personal loans. Broad incumbent that overlaps with JuanHand in consumer lending and serves a similar Filipino mass-market customer base.
- Tonik Bank: Tonik is a Philippine digital-only bank offering deposits, personal loans, and consumer credit through a mobile app. Adjacent incumbent that competes in the same underserved consumer credit niche but operates a broader deposit-taking, multi-product banking model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
JuanHand social profiles
Digital presenceJuanHand compliance and trust
Trust signalCompliance3 records
JuanHand financial estimates
Financial estimateRevenue estimate
Valuation estimate
JuanHand leadership team
Management profileNumber of profiles
Profiles1 record
JuanHand funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
JuanHand M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about JuanHand
What does JuanHand do?
JuanHand offers a mobile-based digital lending service through the JuanHand App, providing fast online cash loans to underserved Filipinos with amounts up to ₱50,000, daily interest starting at 0.025%, and repayment terms of up to 9 months. Applications require only one valid ID and mobile number, with automated credit scoring enabling approval in as fast as 5 minutes. Loans are disbursed to e-wallets (e.g., G-Cash, Maya) or over-the-counter, with repayment handled through partner outlets including 7-Eleven, M. Lhuillier, and RD Pawnshop.
Is JuanHand a public or private company?
JuanHand is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was JuanHand founded?
JuanHand was founded in 2019. It employs 101 to 250 people.
Where is JuanHand based?
JuanHand is headquartered in Manila, Philippines, in the Asia region.
How does JuanHand make money?
One revenue line is on record: loan Interest Income.
Who are JuanHand's main competitors?
Direct peers on record are BillEase, Cashalo, Tala and MoneyCat. Emerging players are Kueski, Atome, Akulaku and Shopee (SPayLater). Broad incumbents are Maya Bank and Tonik Bank.
Does JuanHand have an API?
No public API is recorded for JuanHand.
What industry is JuanHand in?
JuanHand's product category is Consumer Digital Lending. Its primary akta.pro industry code is FSAKALAG, Online/Digital Pawn & Remote Collateral Lending. Its NAICS code is 522 and its SIC code is 6141.