Philippines Fintech LenderLink Raises $1.25M in Pre-seed Round

LenderLink Philippines, a pioneering fintech focused on improving credit data infrastructure, has raised $1.25 million in an oversubscribed seed round. The investment comes from a group of investors, including Kaya Founders, Iterative, Founders Launchpad, and leading local business angels including Manila Business Angels, marking LenderLink’s first external fundraising round.  

LenderLink is building the first high-tech, real-time credit bureau in the country. The company’s mission is to help lenders reduce their non-performing loans (NPLs). The company is aiming to modernize consumer lending with its API-first platform that enables lenders to report and access consumer credit risk data in real time. By addressing the high default rates that drive up borrowing costs, LenderLink is paving the way for lower consumer interest rates and greater financial inclusion in the fast-growing consumer lending marketing of the Philippines.  

“We’ve spent years in fintech and observed that one of the biggest barriers to affordable lending in emerging markets is the lack of real-time credit data infrastructure,” said Christo Georgiev, CEO of LenderLink. “With this funding, we are addressing this foundational problem by bringing credit into the tech age, leveraging AI, data science, and automation to empower lenders while enabling consumers to rehabilitate their credit profiles faster and more safely.” 

With five contributing ecosystems and over 25 million records (and growing) already integrated, LenderLink is shaping up to be an exclusive network where early adopters gain better participation terms and a competitive edge in lending. Member financial institutions have a first-mover advantage in accessing the country’s first high-tech, real-time credit data, designed to reduce non-performing loans (NPLs) and improve lending performance. 

Ray Alimurung, General Partner at Kaya Founders, expressed confidence in LenderLink’s vision, stating: “What sets LenderLink apart isn’t just the technology—it’s the caliber of the founding team and the clarity of their vision. Founders Christo Georgiev, Dimitar Manolov, Dimo Hristov, and Petya Dimitrova bring to the table deep domain expertise in fintech, credit assessment, and data science. Their years of industry experience has helped to inform their insight that lenders can only make optimal lending decisions through real-time credit intelligence.”

He adds, “We believe that LenderLink will be pivotal in enabling lenders of all types, from traditional financial institutions and cash lenders to digital banks and BNPLs, to scale effectively while mitigating risk, and have deep conviction that LenderLink’s ability to deliver real-time, high quality credit data will be a game-changer for an ecosystem that has traditionally struggled with fragmented and outdated credit information.” 

Backed by deep industry expertise, LenderLink is founded by a team of fintech veterans behind FinScore, a credit scoring company in the Philippines that operated for six years before a successful exit. The newly secured funding will drive technology enhancements, market expansion, and partnerships with key lenders and financial institutions, further solidifying its role in transforming the lending landscape in the country. 

The Philippines’ consumer lending market has grown 4x in the past decade, now estimated at $14 billion, yet remains constrained by outdated infrastructure. LenderLink aims to unlock further growth by providing lenders with smarter risk assessment tools while giving borrowers fairer access to credit.