What Flexi Finance Asia does

Flexi Finance Asia, Inc. is a privately held Philippine consumer finance company founded in 2016 and headquartered in Cebu City, operating across three Cebu-based offices and serving customers nationwide through partner retail stores, telesales, and its own web channel. The company offers unsecured personal cash loans of up to Php25,000 with 6/9/12-month installment terms, in-store point-of-sale financing for consumer electronics and appliances at partner retailers, and a Remission Program for overdue accounts. Its product portfolio includes MeLoan (a first-time-borrower-focused cash loan launched in May 2023), FlexiTap (a browser-based self-service portal launched in September 2022), and Flexicademy (an in-house financial-literacy content initiative).

The business model centers on interest income from installment loans, processing fees auto-deducted at disbursement, and late-payment penalties (~1.78% per day on overdue principal). Loan origination is sales-led and multichannel: in-store agents at partner retailers, telesales call-center agents, and self-serve applications through flexi.com.ph. Underwriting uses no payslip and no collateral, with 2 valid IDs for new clients and 1 Primary ID for repeat customers, supporting a 30-minute approval SLA. Disbursements flow directly to bank accounts or to e-wallets including GCash, Maya, and ShopeePay.

Repayment is supported by one of the broader rails in the Philippine consumer-finance segment, spanning e-wallets (GCash, Maya, ShopeePay), major banks (BPI, Metrobank, Unionbank), OTC chains (M Lhuillier, Cebuana Lhuillier, 7-Eleven Cliqq, RD Pawnshop), and aggregators (Dragonpay, Lazada). The company outsources recovery to at least fourteen third-party collection agencies and reports 7,854 lawsuits filed in the current year, signaling an elevated delinquency-management workload consistent with a subprime positioning. Customer credit data is submitted to the Credit Information Corporation under CISA, and the firm maintains a strategic partnership with European financial group PROFIREAL (since 2017) for management and operating know-how.

Name

Flexi Finance Asia

Legal name

Flexi Finance Asia, Inc.

Website

https://flexi.com.ph

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Flexi Finance Asia is a Cebu-headquartered, Philippine consumer finance company founded in 2016 that offers unsecured cash loans up to Php25,000, in-store gadget and appliance installment financing, and a multi-channel repayment network serving individual Filipino borrowers aged 18-68.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Nondepository Credit Intermediation (5222), Sales Financing (52222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Consumer Electronics & Appliance Financing (FSAKAFAL)

akta.pro secondary industry

Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)

Keywords

• Consumer lending
• Installment financing
• Cash loans
• Gadget financing
• Consumer credit

Headquarters

HQ city

Mabolo

HQ country

Philippines

HQ region

Asia

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Consumer Installment Loans: Flexi Finance generates revenue through interest charged on consumer loans for gadgets, appliances, and cash loans. The company offers MeLoan (up to Php25,000), Quick Cash Loan (Php10,000 for new clients, Php20,000 for existing clients), and in-store financing for consumer goods. Loan terms range from 6-12 months with monthly installment payments.
2. Processing Fees: One-time processing fees are automatically deducted from the total loan amount at disbursement. Additional convenience fees apply for certain payment channels (e.g., Lazada charges Php20 convenience fee, ML Wallet charges Php15 service fee).
3. Late Payment Penalties: Interest rate on overdue debt is approximately 1.78% per day. Penalties accumulate daily until account settlement.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

Flexi Finance Asia is a consumer financing company that provides personal cash loans (up to Php25,000) and in-store installment financing for gadgets and appliances to Filipino consumers aged 18-68. Loan approvals are processed within 30 minutes with relaxed documentation requirements (no payslip, 2 valid IDs for new clients), and approved funds are disbursed directly to the borrower's bank account or e-wallet (GCash, Maya, ShopeePay). The company distributes through partner retail stores, in-house telesales, and its FlexiTap self-service web portal.

Product overview

Flexi Finance Asia is a consumer financing company offering a unified loan product portfolio centered on accessible, affordable personal loans. The core offerings include Cash Loan/Quick Cash Loan products (up to Php25,000 with 30-minute approval) and the first-time borrower-focused MeLoan. These are complemented by in-store gadget and appliance financing at partner retail locations. Supporting the core products are FlexiTap (customer self-service web portal for balance and payment tracking), Flexicademy (financial literacy video content), and a Remission Program for managing overdue accounts. The company distributes through telesales and partner retail stores with disbursement to bank accounts or e-wallets.

Differentiator

Problem solved

Functional benefit

Brands

• Flexicademy: Financial literacy initiative featuring videos and articles covering topics from basic financial literacy to frequently asked questions about financial products.
• FlexiTap
• MeLoan

Products and services

• Quick Cash Loan Personal cash loan providing upfront funds to qualified Filipino borrowers aged 18-68. New clients can borrow up to Php25,000 and existing clients up to Php20,000, with repayment over 6, 9, or 12 monthly installments. Approval is completed within 30 minutes and approved funds are disbursed directly to the borrower's bank account or e-wallet (GCash, Maya, ShopeePay). Requires 2 valid IDs for new clients and 1 Primary ID for repeat clients, with no payslip required.
• MeLoan C first-time borrower-focused cash loan offering up to Php25,000 with relaxed requirements (2 valid IDs, no payslip required) and instant disbursement to the borrower's bank account or GCash e-wallet. Marketed as the "healthy loan" entry-point product for new Flexi Finance clients.
• Gadget and Appliance In-Store Financing Point-of-sale installment financing for consumer electronics (smartphones, laptops, tablets, smart TVs) and home appliances purchased at Flexi Finance partner retail stores across the Philippines. Repeat customers qualify with just 1 Primary ID and a 15% minimum down payment; first-time buyers need 2 valid IDs and a 20% down payment. Loan terms extend up to 12 months with no payslip required, and Flexi sales agents in-store assist with the application process.

Quantifiable outcome

• Loan approval within 30 minutes
• +2 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature4 records

Partnerships

13 partnerships are on record, tiered core, major and minor.

• Credit Information Corporation (CIC)coreStrategic or Co-development PartnerCompliance partnership with the Philippine Credit Information Corporation (CIC), the government agency mandated under the Credit Information System Act (CISA) of 2008 to collect and aggregate credit data. Flexi Finance submits customer credit information to CIC for credit reporting and risk management purposes, supporting the broader financial inclusion ecosystem.
• DragonpaycoreTechnology or IntegrationPayment gateway integration enabling customers to make loan repayments through multiple channels including banks (BDO, BPI, Chinabank, EastWest, Landbank, Maybank, PNB, PS Bank, RCBC, Robinsons Bank, Security Bank, UCPB), e-wallets (GCash, GrabPay, PayMaya, Coins), and over-the-counter partners (Cebuana, M Lhuillier, Palawan, RD Pawnshop, Robinsons Dept Store, RuralNet).
• GCash (Globe Fintech Innovations)coreTechnology or IntegrationIntegration with GCash e-wallet enabling customers to make loan payments through the GCash app Bills Payment feature. Customers select Flexi Finance from the Loans category to make payments.
• Maya (formerly PayMaya)coreTechnology or IntegrationIntegration with Maya e-wallet for loan repayment processing. Customers access Flexi Finance through the Maya Bills icon and Loans category.
• BPI (Bank of the Philippine Islands)majorTechnology or IntegrationBPI QuickPay integration allowing customers to make Flexi Finance loan payments through the BPI Mobile app using their 10-digit loan agreement number.
• MetrobankmajorTechnology or IntegrationOnline banking integration for loan payments through the Metrobank App. Customers search for Flexi Finance Asia Inc. and enter loan details for payment processing.
• UnionbankmajorTechnology or IntegrationOnline banking and over-the-counter payment integration through Unionbank. Customers can pay via Unionbank Mobile app PAY BILLS feature or at Unionbank branches.
• M LhuilliermajorChannel Partner/ Reseller/ DistributorOver-the-counter payment partner with branches nationwide. Customers visit any M Lhuillier branch, fill out Bills Payment form with Flexi Finance Asia Inc. details, and pay installment amount plus service fee.
• Cebuana LhuilliermajorChannel Partner/ Reseller/ DistributorOver-the-counter Bills Payment partner. Customers make payments at any Cebuana Lhuillier branch with receiver listed as Flexi Finance Asia Inc.
• 7-Eleven (Cliqq)majorChannel Partner/ Reseller/ DistributorOver-the-counter payment partner using Cliqq touch-screen kiosks. Customers select Flexi Finance from Loans category, enter loan agreement number and payment amount.
• Project Balik Buhay (PBB)minorStrategic or Co-development PartnerPublic-private partnership with local government units and Project Balik Buhay supporting the Government's National Vaccination Program. Flexi Finance employees received vaccinations through this partnership.
• Cebu Peltan Lions ClubminorOthersCSR partnership where Flexi Finance donated 40 cubicles and 2 suspended ceiling air-conditioning units for computer laboratories being built in remote schools throughout Carcar City, Cebu.
• Collection Agency PartnersmajorChannel Partner/ Reseller/ DistributorThird-party collection partners for overdue account management including AARM, Jabez, Phoenix Solutions Services Inc., Excelsior Business Solutions Inc., Archers Recovery Management and Collection Services Inc., Mav Business Solutions Inc., Summit Collection & Allied Services Inc., Larix Credit Collection Specialist Inc., JDGK Business Solutions Inc., Hi-Tech Smart Solutions Inc., PrimeAlliance Recovery Mgt. Inc., JBP MANAGEMENT OPC, PME Credit Collection Services, and MAUTIGU COLLECTION SERVICES CORP. These partners contact customers by phone, SMS, or email to remind of unpaid dues.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• CashMart Philippines: Philippine online personal loan provider offering quick cash loans to salaried and self-employed borrowers. Directly comparable to Flexi's Quick Cash Loan and MeLoan products in terms of size, speed, and target customer.
• BillEase: Philippine fintech offering buy-now-pay-later and personal cash loans via mobile app. Competes with Flexi in both online consumer cash loans and merchant POS financing, targeting similar underbanked Filipino consumers.
• Cashalo: Leading Philippine online lending app providing cash loans to salaried and self-employed Filipinos. Directly competes with Flexi's MeLoan and Quick Cash Loan products with similar relaxed documentation and fast-approval positioning.
• Home Credit Philippines: The dominant POS financing provider for electronics and appliances in the Philippines, offering in-store installment plans at major retail chains. Directly competes with Flexi's gadget/appliance financing product through similar retail partnerships and customer segments.
• Tala Philippines: Global mobile lending platform operating in the Philippines, using alternative data to underwrite thin-file borrowers. Competes with Flexi for the same unbanked/underbanked consumer segment, typically via app-first digital channels.
• Asialink Finance: Philippine financing company offering personal loans, salary loans, and appliance financing through branch and partner-store distribution. Closely comparable business model to Flexi, including in-store appliance financing.
• Atome Philippines: BNPL provider in the Philippines offering installment payments at online and offline merchants. Competes with Flexi's in-store gadget/appliance financing through interest-free or low-interest installment plans at retail partners.
• Robocash Philippines: Online consumer lending platform in the Philippines offering fast personal cash loans. Directly competes with Flexi on small-ticket, short-duration installment loans to underbanked Filipino consumers.
• Global Dominion Financing: Philippine multi-product financing company (auto, SME, consumer) with strong retail POS financing presence. Competitor to Flexi in the appliance/electronics installment financing space through partner retail stores.

Emerging players

• Plentina: Philippine fintech offering revolving credit and BNPL services. Competes partially with Flexi on consumer credit access via digital channels, though focused on a slightly different customer profile and product mix.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC-uKuisAemUf0tJt2SLkTsQ
• Facebookweb.facebook.com/officialflexifinance.ph
• Instagraminstagram.com/flexiph

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 Flexi Finance Asia