Skyro loan disbursements hit P15.8 billion in 2025

FINANCIAL TECHNOLOGY (fintech) company Skyro more than doubled its loan disbursements in 2025, driven by its growing customer base and merchant partners.

It disbursed P15.8 billion in loans last year, surging by 250% year on year, driven by point-of-sale (POS) installment loans, cash loans, and redit lines.

Its average loan size grew by nearly 30% year on year as it saw a shift towards larger-ticket products among its customers.

Meanwhile, its customer base doubled to 6.3 million year on year and “remains on a strong upward growth trajectory,” Skyro said.

Its merchant partner network also expanded to more than 2,000 last year, including those operating nearly 9,000 brick-and-mortar stores.

This was driven mainly by its online channel, which grew 405% amid a push towards e-commerce POS lending.

Meanwhile, its offline network added 631 new merchant locations, up by 50% from the previous year.

“We are proud to deliver multiple-fold growth in our loan portfolio, significantly outpacing the overall expansion of consumer lending in the Philippines,” Skyro Co-founder Nasim Aliev said in a statement. “Our core mission is to empower people by providing accessible financing. The priority remains delivering innovative, AI-powered digital finance tools that enhance the customer experience.”

“We’ve been tripling our revenue every year since 2022. Our success in unsecured lending in the Philippines provides a strong foundation for expansion into additional fintech products and new jurisdictions across developing markets,” Skyro Co-founder Arsen Liametov said. “Backed by Skyro’s multinational team of over 600 fintech professionals with experience across more than 20 markets, we bring a broad perspective that strengthens our ability to scale our business model internationally.”

Skyro was launched in the Philippines in 2022. It operates in the Philippines through financing company Advanced Finance Solutions, Inc. and lending company Skyro Lending, Inc., which are both registered with the Securities and Exchange Commission. Skyro Lending owns the Skyro app. — A.M.C. Sy