Digital lending platform Cashalo has integrated with LenderLink, a Philippine real-time credit data network, in a move designed to refine credit decisioning and expand access to financing for underserved borrowers.
The partnership allows Cashalo to access LenderLink’s ecosystem of borrower insights and consent-based checks.
By utilising this data, the company aims to plug critical information gaps. These gaps often prevent individuals with limited credit histories from securing loans.
In return, Cashalo will contribute its own verified borrower data to the network. This contribution assists other participating lenders in making more informed decisions.
Gabby Ayala, President of Paloo (trading as Cashalo), highlighted the strategic value of the partnership.
Ayala noted that the integration supports their ability to assess repayment potential more accurately.
Gabby Ayala
“With deeper borrower insights, we’re able to recognise individuals who show strong repayment potential even if they have limited credit history — allowing us to say ‘yes’ more often and extend larger loans to those who truly deserve it,” Ayala said.
LenderLink, which functions as a credit data network connecting lenders and bureaus, now counts 12 members in its ecosystem.
These include digital lenders and point-of-sale financing firms such as Salmon, Skyro, Finbro, and Kredivo, many of which serve unbanked segments of the population.
Christo Georgiev, CEO of LenderLink, stated that the addition of Cashalo strengthens the collective data available to the network.
Christo Georgiev
“Their participation makes the network smarter and stronger not just for themselves, but for every lender plugged into the platform,” Georgiev commented.
Founded in 2017, Cashalo currently has 10 million registered members and operates as a registered financing company under the Securities and Exchange Commission.
