EVO Finance

What EVO Finance does

EVO Finance, operating legally as TS EVO PH Finance Inc., is a Philippines-based digital consumer finance platform that builds mobile-first personal loan products and a marketplace for partner banks' financial products. The company's stated mission is to expand credit access across Southeast Asia starting with the Philippines, targeting consumers with limited or no conventional credit history who are underserved by traditional lenders. EVO Finance is a wholly-owned subsidiary of Trusting Social, an AI and alternative-data company, and leverages that parent's expertise in data science and mobile technology.

The platform combines a 5-minute digital onboarding flow with proprietary AI-driven credit scoring models that ingest mobile, consumer, app, telecommunications (Globe, PLDT, Smart, Sun Cellular), utilities, and credit bureau data to produce alternative credit scores. Loan applications run through KYC using image (photo ID, selfie) and audio (voice) capture, with AI-enabled fraud detection and customer servicing modules layered on top. Personal loans of up to P100,000 are marketed with a 20-minute approval headline, and the platform also routes applications to BSP-licensed partner Loan Providers for independent assessment.

EVO's business model has two streams: direct origination of EVO Loans on its own balance sheet as a duly licensed SEC-registered company, and a partner-facilitation model where applications are forwarded to licensed banks and financing companies. TS EVO PH Finance Inc. is SEC-registered, NPC-compliant under the Data Privacy Act of 2012, and ISO-certified, with additional Bangko Sentral ng Pilipinas (BSP) licenses actively being pursued prior to scaled public offering of financial products. The company is currently single-country (Philippines) with stated Southeast Asia expansion intent.

Name

EVO Finance

Legal name

TS EVO PH Finance Inc.

Website

https://goevo.ph

Company type

Private

Operating status

Operating

Short description

EVO Finance is a Philippines-based digital consumer finance platform that uses AI-driven alternative-data credit scoring to underwrite personal loans for underserved Filipino consumers, operating as a wholly-owned subsidiary of Trusting Social.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Collections, Recovery & Debt Management Platforms (FSAGAHAI)

akta.pro secondary industry

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)

Keywords

• Consumer lending platform
• Digital credit scoring
• Alternative data lending
• Personal loan app
• Mobile loan origination

Headquarters

HQ city

Manila

HQ country

Philippines

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. EVO Loans (Direct Lending): EVO Finance extends financing products directly to customers as a duly licensed company. Interest rates, charges, and repayment terms are detailed in individual loan agreements.
2. Partner Loan Facilitation: EVO partners with licensed banks and financial institutions (Loan Providers) to make their financial products accessible through the Platform. EVO collects and forwards customer applications to partner Loan Providers for independent assessment.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

EVO Finance operates a digital consumer finance platform that enables personal lending through AI-driven alternative-data credit scoring. The company extends its own EVO Loans (cash loans up to P100,000) directly to consumers via a mobile-first application, and separately facilitates applications for partner licensed banks and financial institutions. Onboarding is fully digital with a stated 5-minute application process, supported by AI-enabled customer servicing and alternative-data integrations with telcos, utilities, and credit bureaus.

Product overview

EVO Finance operates as a unified consumer finance platform consisting of the core EVO Finance Platform and EVO Loans products. The platform offers direct personal loans up to P100,000 through its own financing products while simultaneously serving as a marketplace for partner Loan Providers' financial products. Key modules include proprietary AI-driven credit scoring models for alternative credit assessment and an AI-enabled customer servicing module for co-branded financing platforms. The platform is mobile-first with a 5-minute digital application process.

Differentiator

Problem solved

Functional benefit

Products and services

• EVO Loans Direct personal loan product extended by EVO Finance to individual consumers in the Philippines, offering cash loans up to P100,000 with quick digital approval and disbursement via the EVO mobile app and website.
• EVO Finance Platform Next-generation consumer finance platform that enables digital mobile-first loan applications with a 5-minute process, expanding access to credit across Southeast Asia starting with the Philippines.
• Loan Provider Partnership Platform Partnership channel connecting consumers with licensed partner banks and financial institutions (Loan Providers), enabling those institutions to access loan applications sourced through EVO's digital platform for their own independent credit assessment.

Quantifiable outcome

• 5-minute application process
• +1 more outcomes

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability8 records

Feature3 records

Partnerships

One partnership is on record.

• Loan Providers (Licensed Banks and Financial Institutions)coreChannel Partner/ Reseller/ DistributorEVO partners with BSP-licensed banks and financial institutions, and SEC-licensed lending or financing companies to make their financial products accessible through the EVO Platform. EVO collects and forwards customer applications to partners for independent assessment.

Scale indicators1 record

Expansion highlights5 records

Direct peers

• Atome: Atome is a Southeast Asian BNPL/consumer credit platform operating in the Philippines with mobile-first digital onboarding. Comparable consumer credit use case, mobile-first delivery, and Southeast Asia expansion footprint.
• BillEase: BillEase is a Philippine fintech offering consumer credit and BNPL products to underserved borrowers via digital onboarding. Comparable target segment, ticket-size range, and consumer-lending regulatory standing under SEC Philippines.
• Cashalo: Cashalo is a Philippine SEC-registered online lending platform offering cash loans up to similar ticket sizes through a mobile-first digital application. Closely comparable product, geography, and alternative-data credit decisioning approach.
• Tala: Tala is a global digital lender using alternative data (mobile, telco, app) to underwrite thin-file consumers in emerging markets. Highly comparable alternative-data credit scoring methodology and customer segment, though operating outside the Philippines.
• Maya Bank: Maya is a Philippines-licensed digital bank offering personal loans and credit products through its mobile app. Same target customer (underserved Filipino consumers), same mobile-first delivery model, and same SEC/BSP-licensed regulatory profile.
• GCash (Mynt): GCash is the Philippines' leading e-wallet with embedded lending products (GLoan) targeting similar thin-file, mobile-first consumers via app-based onboarding. Directly comparable business model, customer base, and regulatory positioning in the Philippine digital consumer finance market.

Broad incumbents

• Home Credit Philippines: Home Credit is an established multinational consumer finance provider in the Philippines offering POS lending, cash loans, and digital products. Comparable consumer credit offering and Philippine market footprint, though a much larger incumbent.
• Trusting Social: Trusting Social is the parent company of EVO Finance and a global AI/alternative-data credit scoring specialist. It offers broader enterprise credit decisioning and data products across multiple emerging markets, making it the upstream incumbent in the same technology stack.

Emerging players

• Plentina: Plentina is a Philippines-focused BNPL and consumer credit fintech using alternative data for thin-file underwriting. Comparable customer base and alternative-data approach, though smaller scale than EVO's targeted reach.

Regional players

• Kredivo: Kredivo is an Indonesian digital consumer credit platform using mobile-first underwriting for underserved borrowers across Southeast Asia. Comparable product, customer segment, and AI-driven risk decisioning, though primarily Indonesian-led.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/goevopilipinas

Compliance4 records

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 EVO Finance