tomo

What tomo does

Etomo Financing Corporation, operating under the brand "tomo" (etomo, "electronic friend"), is a Philippine fintech established in 2018 and headquartered in Mandaluyong City. The company runs a mobile-first online lending platform that extends microloans to underbanked Filipino consumers — typically regularly employed or contract workers with an SSS number, aged 20 and above, who lack access to traditional banking credit. The platform is accessed through Android and iOS apps (com.andsystems.lendpinoy on Google Play; etomo 2.0 on the Apple App Store) and the etomo.ph webportal, with the entire loan lifecycle — registration, KYC verification, application, decisioning, disbursement, and repayment — handled digitally with no service fees or hidden charges.

The product suite comprises two loan offerings: etomo Term, a fixed-installment product capped at P100,000 with 6- to 9-month tenors for first-time borrowers and up to 12 months for re-loans; and etomo Revo, a revolving credit line with an 8% minimum monthly payment, flexible scheduling (2nd or 17th of the month), and a 10% interest discount reward for on-time repayments. Underwriting is driven by an AI-based credit scoring engine that ingests structured applicant data (employment, financial history, bills payment records, government IDs) to build profiles for thin-file borrowers; data is protected with AES 256-bit encryption at rest and in transit.

The business model is pure interest income on originated microloans, distributed through Google Play, the Apple App Store, and the etomo webportal. Disbursements flow to GCash or Maya e-wallets, while repayments are accepted through GCash, Maya, 7-Eleven CLiQQ kiosks, and BDO branches. Etomo Financing Corporation is SEC-registered (Reg. No. CS201840930, CA No. 1187) and additionally registered with the Anti-Money Laundering Council, National Privacy Commission, and Credit Information Corporation, with a Data Protection Officer published in its privacy notice. Customer acquisition is product-led through app-store downloads and supported by a Money Blog on financial literacy, driving organic word-of-mouth referrals in a single-country (Philippines) market.

Name

tomo

Legal name

Etomo Financing Corporation

Website

https://etomo.ph

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Etomo Financing Corporation is a Philippine SEC-registered fintech operating a mobile-first online lending platform that extends microloans (etomo Term installments and etomo Revo revolving credit, up to P100,000) to underbanked Filipino consumers using AI-based credit scoring.

Ownership category

akta.pro rank

Headquarters

HQ city

Makati

HQ country

Philippines

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Loan Interest: Interest charged on microloans extended to underbanked Filipino consumers through etomo Term (fixed monthly payment loans) and etomo Revo (revolving credit line). Interest rates are competitive within the Philippine lending market.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels1 record

Core offering

tomo (operated by Etomo Financing Corporation) is a mobile-first online lending platform that extends microloans to underbanked Filipino consumers through two products: etomo Term (fixed monthly installment loans up to P100,000 with 6-12 month repayment) and etomo Revo (revolving credit line with 8% minimum monthly payment and an on-time payment reward). The entire loan lifecycle—application, AI-based credit assessment, disbursement, and repayment—is delivered through the etomo mobile app and web portal with same-day approval and disbursement in less than a minute.

Product overview

etomo is a mobile-first online lending platform operated by Etomo Financing Corporation, offering two distinct loan products: etomo Term (installment loans with fixed monthly payments over 6-12 months) and etomo Revo (revolving credit lines with 8% minimum monthly payments and on-time payment rewards). Both products are accessible through the etomo mobile app available on Android and iOS, with loan disbursement to bank accounts or e-wallets (GCash, Maya) and repayment via multiple channels including GCash, Maya, 7-Eleven, and BDO.

Differentiator

Problem solved

Functional benefit

Brands

• etomo Term: A straightforward loan product with fixed monthly payments, offering 6-9 month payment periods for first-time borrowers and up to 12 months for re-loans. Re-loan available after full payment.
• etomo Revo

Products and services

• etomo Term

Quantifiable outcome

• Loan disbursement in less than a minute after approval
• +2 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature3 records

Partnerships

One partnership is on record.

• AND Solutions Pte. Ltd.coreTechnology or IntegrationTechnology and affiliate partner for analytics. Shares anonymized information with AND Solutions Pte. Ltd. to better improve the product and its offerings. Anonymized data processing and subcontracting agreements are in accordance with Data Privacy Act requirements.

Recent moves6 records

Expansion highlights4 records

Emerging players

• Plentina: Philippine digital lending platform using AI-based underwriting to extend credit to underserved Filipino borrowers via a mobile app. Smaller and earlier-stage than etomo but operates in the same AI-driven consumer lending category.
• Atome: Southeast Asia BNPL and consumer credit platform operating in the Philippines with app-based underwriting for underbanked consumers. Comparable mobile-first credit product targeting a similar demographic as etomo.

Broad incumbents

• Maya Bank: Philippine digital bank and e-wallet formerly known as PayMaya, offering personal loans, credit lines, and savings inside its super-app. Overlaps with etomo as both a repayment channel and an embedded credit competitor for Filipino consumers.
• GCash (GCredit / GLoan): Dominant Philippine e-wallet (operated by Mynt/Globe Fintech Innovations) that extends credit products (GCredit, GLoan) to its massive user base. Functions as both a repayment channel and a credit provider competitor for etomo's target borrowers.
• ShopeePay / SPayLater: Shopee's Philippine e-wallet and BNPL (SPayLater) product extending credit to Filipino shoppers through app-based underwriting. Adjacent lender serving overlapping thin-file Filipino consumers.

Direct peers

• JuanHand: Filipino mobile lending app operated by WeFund Lending Corporation, SEC-registered and offering short-term cash loans and revolving credit to underbanked Filipinos. Direct competitor in the same regulatory and customer segment as etomo.
• Tala: Global mobile-first microfinance lender serving underbanked consumers via an Android-first app with AI-based credit scoring. Closely mirrors etomo's product-led, cash-loan model for thin-file borrowers in emerging markets including the Philippines.
• Cashalo: Philippine online lending platform (operated by Oriente Express Tech) offering cash loans to underbanked consumers via mobile app, with similar SEC-registered operations, instant approval, and multiple repayment channels in the PH market.
• BillEase: Philippine fintech offering installment loans and buy-now-pay-later products to underbanked Filipinos through a mobile app with similar SEC-registered operations. Differentiates with larger ticket sizes and merchant partnerships but competes for the same customer base.
• Digido: Philippine online lending app (operated by Global Dominion Financing, Inc.) offering fast cash loans and revolving credit lines via a mobile-first experience. Competes head-on with etomo's etomo Term and etomo Revo products in the same borrower segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/lendpinoy

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 tomo