MANILA, PHILIPPINES – Most lending decisions in the Philippines are made with incomplete information. A borrower may have years of responsible repayment history, just not with the lender they’re applying to today. That gap has real consequences: creditworthy Filipinos get turned away, or approved for less than they deserve, because the full picture isn’t visible.
Billease has joined LenderLink as a Contributing Member, taking a direct step toward closing that gap.
LenderLink is the Philippines’ consent-based credit data exchange, operating on Open Finance principles and built to let lenders share what they know about borrowers safely and in real time. Billease now contributes to, and draws from, a network that connects over 20 financial institutions and over 45 million borrower records.
“Joining LenderLink is a milestone for Billease and for the broader lending ecosystem. By embracing real-time, consent-driven data sharing, we’re not only improving our own credit decisions, we’re helping to build a more inclusive financial system where responsible borrowers are recognized across institutions. This is about shaping the future of lending in the Philippines.” – Georg Steiger, Co-Founder & CEO at Billease
For Billease, the practical effect is sharper decisions at the moment they matter most. When a customer applies, Billease can now see their current obligations and repayment behaviour across all participating institutions, not just the slice of the story that exists in Billease’s own records. The result is fewer blind spots, more approvals for people who’ve earned them, and better protection against extending credit to borrowers who are already overextended.
But the impact runs in both directions. Every Billease customer who has borrowed and repaid responsibly now has that track record visible to other lenders in the network. For borrowers who have built a history with Billease but are new to another institution, that history can now travel with them, opening doors that would otherwise stay closed.
“Billease is the kind of partner that makes the whole network stronger. They’re digital-first and committed about doing this responsibly. When they share what they know, every member-lender benefits. And so does every borrower whose full credit history can finally be seen.” – Christo Georgiev, Co-Founder & CEO, LenderLink
Filipino borrowers today move between lenders, carry obligations across institutions, and expect quick answers. Billease adds a digitally native, high-volume portfolio to LenderLink, the kind of current, transaction-level data that makes credit assessment sharper for every institution on the platform.
The integration was completed using LenderLink’s API-first architecture. Millions of Billease customers who have borrowed and repaid responsibly now have that positive history visible to other lenders in the network, opening access to credit they previously couldn’t unlock.
About LenderLink
LenderLink is a real-time, consent-based credit data network built to help lenders in the Philippines make smarter credit decisions. By connecting lenders, bureaus, and alternative data sources, LenderLink provides the infrastructure for responsible, inclusive lending at scale.
About Billease
Billease is the Philippines’ leading Buy Now, Pay Later (BNPL) platform, offering flexible installment payment solutions to millions of Filipinos. With a mission to democratize access to credit, Billease combines cutting-edge technology with financial inclusion strategies to empower consumers nationwide.
For media inquiries or to learn more, contact:
LenderLink
Sha Biaga
sha@lenderlink.ph
Billease
queen.romilla@billease.ph
MANILA, PHILIPPINES – Home Credit Philippines, the country’s leading consumer finance company, is onboarding as a member on LenderLink’s real-time credit data exchange platform. The move is expected to strengthen Home Credit’s credit assessment capabilities while allowing millions of borrowers to demonstrate their creditworthiness across the lending ecosystem.
Home Credit’s onboarding brings one of the country’s largest consumer finance portfolios into LenderLink’s shared infrastructure. Its participation will let Home Credit access consent-based, real-time borrower data from across multiple institutions which creates reciprocal value that benefits both the lender and Filipino consumers.
Real-Time Access Changes How Loans Get Approved
As LenderLink network member, Home Credit will gain instant access to borrower credit information, changing how it makes lending decisions:
- Gain full, real-time picture: Home Credit can view applicants’ most updated loan histories across multiple lenders, helping it approve more qualified borrowers while detecting possible fraud earlier
- Approve more creditworthy borrowers: Access to positive payment records from other institutions may allow Home Credit can approve to extend credit to applicants previously turned down due to insufficient information
- Promote responsible borrowing: Real-time visibility into a borrower’s existing obligations can help prevent over-borrowing and protect customers from financial strain, serve more underserved Verified payment behavior gives Home Credit the confidence to reach customers who were previously considered too risky
Together, these improvements can support smarter lending decisions, higher approval rates, and reduced losses.
Broader impact on Filipino borrowers
Home Credit’s integration helps borrowers unlock better credit access and more competitive loan terms, addressing a longstanding barrier where otherwise creditworthy borrowers are rejected simply because their history isn’t visible across institutions
“Joining LenderLink strengthens how we make credit decisions by grounding them in timely, consent-based information across the lending ecosystem. It enables us to extend credit to more deserving customers while reinforcing responsible borrowing practices.” said Zdenek Jankovsky, Home Credit’s Chief Business Development Officer. “This collaboration reflects Home Credit’s long-term commitment to building a more connected, resilient, and inclusive credit infrastructure for the Philippines.”
With Home Credit joining LenderLink’s 20-member network, the combined data pool strengthens risk assessment for all participating lenders while making responsible borrower behavior easier to verify.
Building interconnected financial infrastructure
“Home Credit’s integration represents a milestone in creating shared credit infrastructure in the Philippines,” said Christo Georgiev, Co-founder and CEO of LenderLink. “When a lender of this scale participates in secure, consent-based data sharing, it elevates the entire ecosystem’s ability to assess risk accurately and serve more Filipinos responsibly.”
The partnership underscores LenderLink’s position as the central infrastructure provider connecting lenders, collection agencies, and credit bureaus—now with over 45 million borrower records and over 1.5 million record exchanges to date. All data sharing follows ISO 27001-certified security protocols and Open Finance consent principles.
About LenderLink
LenderLink is a real-time, consent-based credit data network built to help lenders in the Philippines make smarter credit decisions. By connecting lenders, bureaus, and alternative data sources, LenderLink provides the infrastructure for responsible, inclusive lending at scale.
About Home Credit Philippines
Home Credit Philippines is the leading consumer finance company in the country, backed by Bank of Ayudhya Public Company Limited (Krungsri), the fifth largest bank in Thailand, and Security Bank Corporation, one of the most trusted and leading universal banks in the Philippines.
Registered with the Securities and Exchange Commission and regulated by the Bangko Sentral ng Pilipinas, Home Credit continues to drive financial inclusion by expanding access to credit.
As part of its long-term growth strategy, Home Credit is also open to strategic investments and partnerships with companies where collaboration can create meaningful synergies and expand access to responsible financial services.
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