Fuse Lending Inc (Philippines)

Fuse Lending Inc, now operating under the corporate name Fuse Financing Inc., is a Philippine digital lending company that functions as the lending arm of the mobile wallet GCash. The company provides unsecured consumer and microbusiness credit products that are fully embedded in the GCash application, including cash loans, revolving credit lines, point-of-sale installment facilities, and small-ticket “nano-loan” offerings. Its lending portfolio targets broad consumer segments across socio-economic classes, with particular emphasis on the unbanked and underserved who have limited access to traditional bank credit. Fuse uses alternative credit scoring and in-app behavioral data to underwrite loans without conventional collateral, enabling products such as cash loans for personal and business use, installment payment options for goods and services, and short-term bridge financing linked to bill payments and everyday transactions. The company operates nationwide through GCash's digital ecosystem, with no branch network, and leverages automated credit decisioning and digital disbursement to manage high transaction volumes. Fuse's strategic focus is to expand responsible digital credit access while managing portfolio quality through data-driven risk management, thereby supporting financial inclusion and complementing GCash's broader payments and financial services platform.