Fintech platform Skyro more than doubles loan disbursements in the Philippines in 2025

Skyro, a consumer lending-focused fintech in the Philippines, more than doubled its loan disbursements in 2025, reflecting rapid scale-up in point-of-sale and cash lending to underserved retail borrowers.

Key 2025 growth metrics

• Skyro’s total loan disbursements in 2025 exceeded twice its 2024 volume, driven by expansion of its merchant financing network and digital cash loan products.

• Since launch, Skyro has reached roughly 1 million loans with an aggregate value around PHP 11 billion, illustrating cumulative growth from 2022 through 2025.

• The company reported disbursing about PHP 15–16 billion in loans targeted for 2025, equivalent to roughly USD 300 million, as it broadened coverage into underserved provinces.

Business model and focus

• Skyro operates as a digital consumer finance platform, offering product loans at point of sale (especially for mobile phones and electronics) alongside general-purpose cash loans.

• Around 70 percent of disbursed loans are used for smartphone purchases, with the remainder covering laptops, home appliances, and other household durables.

• Skyro positions itself as a “trusted loan app” with flexible repayment terms, operating under SEC regulation in the Philippines and distributing primarily via its mobile app and partner stores.

Funding and expansion plans

• To support portfolio growth, Skyro has pursued new funding lines, targeting roughly USD 90 million (around PHP 5 billion) in fresh bank funding, including facilities from Sterling Bank of Asia and PBCom.

• The firm plans to continue expanding into untapped provinces and increase merchant partners, aiming to further scale disbursements beyond the already doubled 2025 levels.

• Its strategy includes leveraging third-party AI/identity solutions to streamline underwriting and fraud controls while keeping access simple for mass-market borrowers.