BillEase Secures $7.9M Credit Facility from Philippine Bank to Expand Loan Portfolio

The credit facility is backed by a pool of BillEase's consumer loans, with security interests registered through the Philippines' Personal Property Security Registry.

PBCOM Joins BillEase's Banking Partners

With this facility, PBCOM joins Rizal Commercial Banking Corporation (RCBC) and Philippine National Bank (PNB) as one of BillEase's domestic bank lenders.

The Personal Property Security Registry records security interests in movable assets, including receivables. It also helps establish creditor priority and improves access to financing by allowing businesses to use movable property as collateral.

Regulatory Focus on Buy Now, Pay Later Services

The development comes as buy now, pay later (BNPL) services receive increasing regulatory attention in the Philippines and across Southeast Asia.

A regional research paper noted that BNPL oversight in the Philippines is largely covered under broader digital finance and consumer credit regulations rather than through separate BNPL legislation.

Regulatory discussions across the Association of Southeast Asian Nations (ASEAN) are increasingly focusing on consumer over-indebtedness, fee transparency and borrower suitability checks.

BillEase Reports Strong FY2025 Financial Performance

BillEase reported strong financial growth in FY2025, with revenue increasing more than 80% to PHP 8.7 billion (US$138 million).

The company also recorded a net profit of PHP 782 million (US$12.4 million) during the financial year.

The latest credit facility adds another domestic banking partner to BillEase's lending network as the company continues to support consumer financing in the Philippines.

About BillEase

BillEase is a Philippines-based consumer finance company that provides buy now, pay later services and other digital credit solutions. Its platform allows consumers to access flexible payment options for purchases and manage their payments through digital financial services.

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