In a digital landscape where scrolls and swipes dictate buying behavior, GoTyme Bank and TikTok Shop are flipping the script, not just selling products, but funding the dreams behind them.
In a groundbreaking move for the Philippine fintech and e-commerce space, GoTyme Bank, a Gokongwei-backed digital lender, has partnered with TikTok Shop to launch TikTok Shop Loans—a financing program tailor-made for micro, small, and medium enterprises (MSMEs) that thrive on the platform. But this isn’t just about numbers and credit scores; it’s about human ambition, digital innovation, and timely access to growth capital.
“We want to give sellers a quick and easy way to access funds while they focus on growing their business,” said GoTyme Bank CEO Nathaniel Clarke. “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.”
—BusinessWorld
The Financing Struggle: MSMEs and the Access Gap
MSMEs are often called the backbone of the Philippine economy—but they’re also the most underserved. Traditional banks remain cautious, requesting a mountain of documents and rigid guarantees that smaller sellers often can’t produce. That gap has kept countless dreams from scaling into realities.
But TikTok Shop Loans, powered by GoTyme, disrupts this pattern with something refreshingly simple: data.
Instead of outdated credit checks, the loan program assesses real-time sales performance on TikTok Shop. Qualified sellers get personalized offers within minutes, and funds hit their accounts in as little as one business day. No paperwork. No weeks of waiting. Just capital that moves as fast as the market does.
“[MSMEs] deserve financial solutions that not only empower their business but are also thoughtfully designed around their needs.”
—Albert Tinio, Co-CEO, GoTyme Bank via Fintech News PH
How It Works: From Scrolls to Capital in Minutes
The mechanism is elegant and deeply human-centered:
- Real-time data from TikTok Shop replaces traditional loan applications.
- Loan terms range from 3 to 12 months.
- Interest rates hover between 1.5% to 2.5%, depending on the business profile.
- Repayment is made easy via bank transfer or QRPh.
In essence, your daily sales become your creditworthiness. This means that a successful livestream can now not only bring in revenue. It also unlock more inventory, marketing budgets, or manpower for the next stage of growth.
16 merchants have been onboarded during the pilot phase, with GoTyme aiming to extend the offering to up to 20% of the TikTok seller base in the Philippines this year (Manila Bulletin).
The Bigger Picture: Banking Made Beautiful
This partnership isn’t just a product launch—it’s a philosophy shift. At its core is the belief that digital banking can be seamless, inclusive, and—yes—beautiful.
GoTyme Bank’s rallying cry, Banking Made Beautiful, isn’t just a slogan. With over ₱32 billion in deposits, ₱5 billion in loans disbursed, and 7 million customers as of July 2025 (BusinessWorld), the digital lender is not just scaling—it’s transforming how Filipinos experience finance.
From launching Buy Now, Pay Later options, to introducing rewards programs, crypto trading, and even local stock investments soon, GoTyme is reshaping what it means to be a bank in a mobile-first world.
This collaboration isn’t just another fintech headline, it’s a new blueprint for digital entrepreneurship in Southeast Asia.
For many MSMEs, especially online sellers on TikTok, it signals a shift in who gets access, how fast they get it, and what that access can empower them to do. It acknowledges the hustle of modern sellers, the reality of data-rich platforms, and the importance of enabling growth without the red tape.
As the social commerce scene in the Philippines continues to explode, partnerships like this one prove that technology doesn’t just disrupt, it uplifts. It listens to real needs, adapts quickly, and meets people where they already are—on screens, in livestreams, and now, in smarter banking solutions.
Discover more about Rockbird Media’s event planning and promotion services
