Cepat Kredit Financing
Cepat Kredit Financing Inc. is a Philippine SEC-regulated financing company that lends up to ₱700,000 to Overseas Filipino Workers and up to ₱1,000,000 to seafarers, distributing through a national branch network and proprietary Cepat Nexus loan origination platform.
- Company typePrivate
- Founded2019
- HeadquartersPasig, Philippines
- Headcount251–500
- GTM typeB2C
- OfferingServices
Cepat Kredit Financing firmographics
Firmographics- Name
- Cepat Kredit Financing
- Legal name
- Cepat Kredit Financing Inc.
- Website
- https://cepatkredit.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Cepat Kredit Financing Inc. is a Philippine SEC-regulated financing company that lends up to ₱700,000 to Overseas Filipino Workers and up to ₱1,000,000 to seafarers, distributing through a national branch network and proprietary Cepat Nexus loan origination platform.
- Ownership category
- akta.pro rank
Cepat Kredit Financing industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
Keywords
Where Cepat Kredit Financing is headquartered
LocationHeadquarters
- HQ city
- Pasig
- HQ country
- Philippines
- HQ region
- Asia
Offices1 record
Markets served
Cepat Kredit Financing business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Loan Interest Income: Cepat Kredit Financing generates revenue through interest income on loans extended to OFW and Seaman borrowers. As a lending/financing company, the primary revenue stream is the spread between loan interest rates charged to borrowers and cost of funds.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | OFW Loan - up to ₱700,000 |
| Other | Monthly | Seaman's Loan - up to ₱1,000,000 |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Cepat Kredit Financing product offering
Product offeringCore offering
Cepat Kredit Financing provides unsecured personal loans to two specialized borrower segments in the Philippines: the OFW Loan, which lends up to ₱700,000 to overseas Filipino workers, and the Seaman's Loan, which lends up to ₱1,000,000 to seafarers. Loan processing, underwriting and consultant enablement are supported by an in-house technology platform, "Cepat Nexus," and a dedicated Loan Consultant Portal used by a 3,000+ agent field force across multiple Philippine cities.
Differentiator
Problem solved
Functional benefit
Products and services
- OFW Loan Unsecured personal loan product for overseas Filipino workers, providing up to ₱700,000 in financing per borrower, underwritten against overseas employment and remittance income and repaid through remittance-linked deductions.
- Seaman's Loan Unsecured personal loan product for Filipino seafarers and seamen, providing up to ₱1,000,000 in financing per borrower, underwritten against sea-service records and shipping-line payroll and repaid via the seaman's allotment or post-deployment income.
Companies that use Cepat Kredit Financing
Customer profileSegments2 records
Ideal customer profiles2 records
Cepat Kredit Financing technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Cepat Kredit Financing partnerships and signals
Strategic signalScale indicators2 records
Cepat Kredit Financing competitors and assessment
Company assessmentDirect peers
- Cashalo: Philippine digital consumer lending platform offering personal loans to salaried and self-employed Filipinos, including OFWs. Comparable as a non-depository lender extending unsecured personal credit to similar consumer segments in the Philippines via a more digital channel.
- ASA Philippines Foundation: Large Philippine microfinance institution extending small-ticket personal and livelihood loans to lower-income Filipinos nationwide. Comparable as a non-bank lender serving working-class demographics with installment-style personal credit.
- Home Credit Philippines: Philippine subsidiary of the global Home Group, providing consumer finance and personal loans to mass-market Filipino borrowers including employed and overseas-worker segments. Comparable because it is a non-bank consumer lender offering installment loan products in the Philippines.
- Cebuana Lhuillier: Philippines' largest pawnshop and microfinance network, also offering consumer loan products (pawn, personal, and remittance-linked credit) to mass-market and OFW-adjacent segments. Comparable because it is a non-bank, branch-led Filipino lender extending personal credit to similar demographics.
- Palawan Pawnshop: Major Philippine pawnshop and consumer lending franchise with thousands of branches nationwide. Comparable as a non-depository, branch-network-driven lender serving working-class and overseas-worker-adjacent Filipino borrowers with personal loan products.
Others
- Lenddo: Alternative credit scoring and lending platform operating in the Philippines and other emerging markets, using digital and social data to underwrite thin-file borrowers including OFWs. Comparable as an ecosystem participant serving the same credit-invisible Filipino segments with data-driven lending infrastructure.
Emerging players
- BillEase: Philippine buy-now-pay-later and personal loan provider extending credit to mass-market and underbanked Filipinos via online channels. Comparable as a non-depository consumer lender targeting similar Filipino demographics with digital personal loan products.
- Tala: Emerging-market consumer lender using mobile data for credit decisioning, with operations across Asia, Africa, and Latin America. Comparable as a digitally-led, non-depository lender serving thin-file consumers who lack access to traditional banking.
- GCash (Fuse Lending): Philippines' largest e-wallet, operated by Mynt/Globe Fintech, which has rolled out embedded personal credit products (GCredit, Fuse). Comparable as an emerging digital lender competing for the same mass-market Filipino borrower with much lower distribution cost.
Broad incumbents
- SB Finance: Consumer finance arm of Security Bank in the Philippines, offering personal and auto loans to mass-market and salaried segments. Comparable as a regulated, scale lender operating in the same Philippine consumer credit market with broader product portfolio.
Market position
Customer concentration
Cepat Kredit Financing social profiles
Digital presenceCepat Kredit Financing compliance and trust
Trust signalCompliance2 records
Cepat Kredit Financing financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cepat Kredit Financing leadership team
Management profileNumber of profiles
Cepat Kredit Financing funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cepat Kredit Financing 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 Cepat Kredit Financing
What does Cepat Kredit Financing do?
Cepat Kredit Financing provides unsecured personal loans to two specialized borrower segments in the Philippines: the OFW Loan, which lends up to ₱700,000 to overseas Filipino workers, and the Seaman's Loan, which lends up to ₱1,000,000 to seafarers. Loan processing, underwriting and consultant enablement are supported by an in-house technology platform, "Cepat Nexus," and a dedicated Loan Consultant Portal used by a 3,000+ agent field force across multiple Philippine cities.
Is Cepat Kredit Financing a public or private company?
Cepat Kredit Financing is a private company. It is classified as unknown and is currently operating.
When was Cepat Kredit Financing founded?
Cepat Kredit Financing was founded in 2019. It employs 251 to 500 people.
Where is Cepat Kredit Financing based?
Cepat Kredit Financing is headquartered in Pasig, Philippines, in the Asia region.
How does Cepat Kredit Financing make money?
One revenue line is on record: loan Interest Income.
Who are Cepat Kredit Financing's main competitors?
Direct peers on record are Cashalo, ASA Philippines Foundation, Home Credit Philippines, Cebuana Lhuillier and Palawan Pawnshop. Lenddo is listed as an others. Emerging players are BillEase, Tala and GCash (Fuse Lending). SB Finance is listed as a broad incumbent.
Does Cepat Kredit Financing have an API?
No public API is recorded for Cepat Kredit Financing.
What industry is Cepat Kredit Financing in?
Cepat Kredit Financing's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAAAG, Large Purchase & Lifestyle Personal Loans (Unsecured Installment). Its NAICS code is 5222 and its SIC code is 6141.