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Manila Bulletin devider Business devider Banking & Finance devider GoTyme Bank partners with TikTok Shop for data-driven MSME loans

GoTyme Bank partners with TikTok Shop for data-driven MSME loans

Published Jul 31, 2025 03:24 pm
GoTyme Bank CEO Nate Clarke and Co-CEO Albert Tinio
GoTyme Bank CEO Nate Clarke and Co-CEO Albert Tinio
Gokongwei-backed digital lender Gotyme Bank Corp. has teamed up with popular social media platform TikTok to launch TikTok Shop Loans powered by GoTyme Bank, a financing solution designed to provide micro, small, and medium enterprises (MSMEs) with fast access to flexible loans for business capital.  
Under this partnership, pre-qualified TikTok Shop sellers can secure customized loan offers in just minutes, with disbursement completed within one business day.
Loan amounts are based on a seller’s transaction history on the platform, allowing for a seamless, data-driven process. Sellers can select their preferred loan amount and repayment terms, then repay via bank transfer or QRPh in manageable installments.  
“TikTok Shop's mission is to empower Filipino MSMEs through social commerce, and with TikTok Shop Loans powered by GoTyme Bank, we're taking that commitment one step further,” said Franco Aligaen, Marketing Lead of TikTok Shop Philippines.
He added that, "We believe that fast and flexible financing enables sustainable growth and empowers MSMEs to thrive in the dynamic digital landscape."  
“At GoTyme Bank, we believe MSMEs are the backbone of the Philippine economy, and they deserve financial solutions that not only empower their business but are also thoughtfully designed around their needs. Partnering with TikTok Shop expands our mission to make banking beautiful for all Filipino entrepreneurs,” said GoTyme Bank Co-CEO Albert Tinio.
GoTyme Bank CEO Nate Clarke noted that, “We want to give sellers a quick and easy way to access funds while they focus on growing their business. By using real-time sales data to power pre-qualified offers, we’re helping entrepreneurs get access to the business capital they need, right when they need it.
“This partnership brings us closer to building a more inclusive financial ecosystem for every Filipino business owner.”
With TikTok’s large number of online merchants, Tinio said, “we're trying to hit 20 percent of the TikTok seller base,” adding that this will amount to six digits or hundreds of thousands of merchants.
“Our pilot is running. We started with the first couple of merchants, and I think over the course of the next couple of months, we'll try to maximize as much as possible.
“So it's not a fixed number that we actually go for. Obviously, we'll scale it up depending on how our performance goes. But, as much as possible, we're going to get as many merchants to be able to have the product also by the end of the year,” he added.
Tinio said the bank still has a large capacity for loans since it has ₱32 billion in deposits but has lent out only ₱5 billion so far.
Access to timely and flexible financing remains one of the biggest challenges for small and medium enterprises in the Philippines. With TikTok Shop Loans powered by GoTyme Bank, MSMEs now have a tailored solution that meets them where they are—using their sales performance on TikTok Shop to unlock funding opportunities.
The bank said this initiative not only addresses a critical gap in access to capital, but also empowers sellers to reinvest in inventory, operations, and growth without the lengthy processes or rigid requirements of traditional loans.  

Related Tags

GoTyme Bank TikTok Shop Albert Tinio Nate Clarke Franco Aligaen
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