We build a digital-first finance platform shaped around local rhythms
Skyro Expands Its Product Line for Digital Consumers in the Region
$500M
Disbursed on Philippines
9,000
Merchant partners
4M
Customer base
Finance
that sees
you
Made for every life that never fit the financial template. Loans, BNPL, savings, investments and remittance design around life moments all in one place
We began in the Philippines in 2022. We saw how people stretched their paychecks, supported their families, and managed between paydays. Then we built products around the way they already lived
Today, Skyro is 600 people from 50 nationalities, rooted in the culture of every market we serve and shaped by the realities of everyday life across the GCC, South Asia, Africa, and beyond
$500M
Disbursed on Philippines
9,000
Merchant partners
4M
Customer base
Whatever season you're in, Skyro is already there
Personal Finance
Lending that fits local habits, spending patterns, and everyday life
Access funds on your terms, whenever you need
For business
Keep your business moving with payments, sales, and daily operations in one service
Best CX & simplicity
Instant payment calculation and transparent terms before you click “Confirm”
AI-forward tech
Our algorithms analyse your spending patterns to select the optimal payment term and amount, helping you to spend less
Cybersecurity
Each transaction is securely verified, with Zero Trust security protecting customer data
Different
skies. One
belief
Most fintech brands compete on products, speed, features and efficiency. We bring new perspective of finance built around people, culture and real life
We are a human-centred financial partner that understands culture, communities and everyday rhythms
Your financial reality shapes our products — not the other way around
Savings that grow. Loans that get repaid. Real outcomes, not engagement metrics
A budget tool that knows your cultural calendar. Built around harvest seasons, school terms, and Ramadan budgets
You see exactly what you owe, when, and why, before you agree to anything
Your financial reality shapes our products — not the other way around
New
skies ahead
Operating locally across Southeast Asia, the GCC, and Africa
Great global products belong to local culture. Be who you are and grow where you stand
Skyro shows up for every celebration, every milestone, every first step
Skyro has been helping me with most if not all of my budgeting with my salary being somewhat short in some cases.
Reliable app, application is easy. Got my loan in 2 hours because they need to undergo verification of my identity first.
The best app! Fast transaction and no hassle requirements. They provide what you need either a product loan or a cash loan. The one thing I suggest is that hoping to purchase in-store like supermarkets.
Honestly I find skyro a friendly loan provider. Easy to transact and fast approval. You don't have to worry about their services coz it's easy to apply and you're guided by their friendly loan representative.
Easy to apply fast approval and flexible repayment.
Totally amazing how fast the process was, i got my new phone! Thanks skyro looki forward for my next transaction with you.
Skyro has been helping me with most if not all of my budgeting with my salary being somewhat short in some cases.
Reliable app, application is easy. Got my loan in 2 hours because they need to undergo verification of my identity first.
The best app! Fast transaction and no hassle requirements. They provide what you need either a product loan or a cash loan. The one thing I suggest is that hoping to purchase in-store like supermarkets.
Honestly I find skyro a friendly loan provider. Easy to transact and fast approval. You don't have to worry about their services coz it's easy to apply and you're guided by their friendly loan representative.
Easy to apply fast approval and flexible repayment.
Totally amazing how fast the process was, i got my new phone! Thanks skyro looki forward for my next transaction with you.
Skyro has been helping me with most if not all of my budgeting with my salary being somewhat short in some cases.
Reliable app, application is easy. Got my loan in 2 hours because they need to undergo verification of my identity first.
The best app! Fast transaction and no hassle requirements. They provide what you need either a product loan or a cash loan. The one thing I suggest is that hoping to purchase in-store like supermarkets.
Honestly I find skyro a friendly loan provider. Easy to transact and fast approval. You don't have to worry about their services coz it's easy to apply and you're guided by their friendly loan representative.
Easy to apply fast approval and flexible repayment.
Totally amazing how fast the process was, i got my new phone! Thanks skyro looki forward for my next transaction with you.
Skyro,
naturally,
yours
FAQ
Yes. Skyro operates through local regulated entities in each market. Our parent holding, Breeze Ventures Holding W.L.L., is headquartered in the Kingdom of Bahrain and structured as an independent international venture with a multi-market regulatory mandate. All lending operations comply with local financial regulators in each country of presence.
Skyro's most mature market is the Philippines, where we serve over 1 million active customers through 3,700+ partner merchants and 8,000+ store locations. We are actively expanding into Southeast Asia and Africa — with ambitions to reach 10–15 countries in the coming years.
Skyro's core today is digital consumer lending — Point-of-Sale (PoS) financing, Buy Now Pay Later (BNPL), and Credit Line. Product availability varies by market.
Skyro is primarily a B2C digital finance platform accessible via mobile app. We also have B2B products — including Skyro Connect (merchant checkout) and Tadum (SME financing) — making us a full-stack financial ecosystem for both consumers and businesses.
As of mid of 2026, Skyro manages a credit portfolio exceeding USD 200 million, serves over 1 million active customers, and works with 3,700+ partner merchants across 8,000+ store locations in the Philippines alone. The broader team includes 600+ headquarters and tech professionals globally, supported by 2,500–3,000 field staff.
AI is at the core of everything we do. Skyro operates a fully AI-automated customer lifecycle — from onboarding and verification to credit decision-making, collections, and customer care. Our proprietary ML models process thousands of alternative data points (devices, telecoms, transactional data) within seconds to build tailored credit profiles. We also use voice robotics and digital humans to enhance service efficiency.
Advanced Finance Solutions, Inc. is certified by the Securities and Exchange Commission. Registration No.: 2022080063542-00. Financing company license No.: F-22-0029-37. Address: 18F, TwoNEO, 3rd Avenue corner 28th Street, Bonifacio Global City, Taguig City, 1634, Metro Manila.
Skyro Lending, Inc.(formerly Jungle Lending, Inc.) is certified by the Securities and Exchange Commission. Registration No.: CS202002223. Lending company license No.: 3249. Address: 3006 30F, One Corporate Center, Meralco Avenue corner Julia Vargas Avenue, San Antonio, Pasig City, 1605 Metro Manila.
© 2026 Advanced Finance Solutions, Inc
