(And why that matters now more than ever)
In the past few months, we’ve seen the SEC ban several lending apps in the Philippines—many over poor compliance, aggressive collection practices, or approval flows that put both borrowers and businesses at risk.
Let’s be honest: lending is tough right now. You want to grow, but you can’t approve blindly. On the flip side, you’re probably declining hundreds of loan applications a day not because they’re high risk, but simply because you don’t have enough information about the borrower.
That’s exactly the gap LenderLink is built to close.
Why “too little data” is costing you good borrowers
A common reason for rejecting applicants isn’t that they have bad credit. It’s that they have no credit visibility at all. Traditional credit bureaus only show so much, and many borrowers, especially first-timers or informal earners fall outside that system.
But no one wants to approve loans in the dark either.
With LenderLink, you don’t have to.
Real-time data from actual lenders
LenderLink is the country’s first digital credit data exchange built by and for lenders. It connects you to 30+ million borrower records, sourced directly from other regulated digital lenders.
That means you can now:
- See repayment behavior outside the bureau
- Detect cross-platform delinquencies or fraud patterns
- Make smarter decisions based on verified, real-world data
And you can do it in real time, via API.
Approve more with confidence.
Here’s the good news: Lenders who’ve integrated with LenderLink are increasing approval rates without compromising risk. One neo bank that integrated with us has cut defaults by 15% without slowing growth.
How? Because they’re no longer rejecting based on missing data. Instead, they’re saying yes to borrowers who’ve already shown good repayment behavior elsewhere but who were invisible in traditional checks.
Better data = Better risk control
In a post-SEC-crackdown landscape, one thing is clear: transparency and traceability win. Lenders using LenderLink can:
- Avoid over-lending to the same borrower across multiple platforms
- Catch early signs of circular borrowing
- Reduce fraud by seeing beyond self-reported data
This isn’t just good for compliance—it’s good business.
Easy to integrate, ready to use
You can get started with LenderLink in a few steps: Check out our infographic here that shows the how you can contribute and access data.
We support both contributors (who submit data) and consumers (who query borrower records) or both, if you want to strengthen your position in the network.
So why is LenderLink a top credit data provider?
Because we’re:
- Real-time and lender-sourced (not static or months old)
- Also built for digital lending, not just legacy institutions
- Focused on growth with guardrails which means you can scale smarter, not riskier
And most importantly: because we’re helping lenders say yes more often, with better visibility and less risk.
Let’s talk
If you’re a lender in the Philippines navigating today’s market (where regulation is tightening and competition is rising) LenderLink can help you lend more, lose less, and stay ahead.
👉 Schedule a demo to get started.
