The Aprubado lender network
Aprubado is a free, independent matching platform — not a lender. A single request pairs you with a network of SEC-licensed partner lenders who do the deciding, the funding, and the repayment. It costs you nothing; the lender only pays us once a match turns into a funded loan.
Apply once, reach many
One request is spread across several SEC-licensed partners at the same time — far more paths to a yes than knocking on one lender’s door.
Zero cost to borrowers
No sign-up fee, no matching fee. The partner lender pays Aprubado a referral fee; the only cost you carry is the loan the lender discloses to you.
Licensed partners only
Everyone in the network holds an SEC Certificate of Authority, re-checked every month. We only ever route people to licensed lenders — never to clone apps.
Who you can be matched with
Aprubado keeps an active network of SEC-licensed partner lenders. Which of them see your request depends on the amount and term you pick, where you live, and each lender's eligibility rules at that moment — you might reach one, or several. Partners you may land with include:
- Finbro
- MoneyCat
- CashExpress
- Tala
- Vamo
- HoneyLoan
This roster is never static — lenders come on board or move off it as their SEC status shifts. We confirm every partner once a month against checkwithsec.sec.gov.ph.
What actually happens when you match
Chasing lenders one at a time is slow going, and each turndown is another form filled for nothing. Aprubado turns that around: you complete a single request, and we route it on the spot to the SEC-licensed partners whose rules you already fit. Reaching several lenders at once simply means several chances at a yes.
From the moment of the match, that lender runs the show — they assess your credit, set a rate inside the BSP ceilings, send the money to your GCash, Maya, or bank account, and manage repayment. At no point does Aprubado hold the funds or make the approval call.
Since it is the lender who pays us and not you, we gain nothing by burying the cost. Every charge is laid out by your matched lender before you put your name to anything.
For lenders: become a partner
Aprubado sends licensed lenders a stream of qualified, pre-consented applicants. A lender needs to satisfy all of the following to be considered for the network:
- ✓A lending or financing company registered with the SEC
- ✓A live Certificate of Authority (checkable on checkwithsec.sec.gov.ph)
- ✓Registration as an NPC Personal Information Controller
- ✓Advertised rates that stay inside the BSP MC 1133 s.2021 ceilings
- ✓Loan disclosures that follow SEC MC 19 s.2019
- ✓A documented fair-collection policy — no contact-list calls, lawful hours only
- ✓Acceptance of Aprubado’s referral and data-sharing terms
Applying to join, step by step
Send an email to general@virixlabs.com that covers:
- 1. Your registered company name and SEC Registration Number
- 2. Your Certificate of Authority number and where it stands today
- 3. Your NPC registration and Data Protection Officer contact
- 4. The products you run — amounts, terms, and the borrower you serve
- 5. Your posted rate schedule and fair-collection policy
Expect a reply inside 2 business days. Once approved, lenders go live with a consent-verified applicant feed, ready-made disclosure templates, and reporting on every match.
Run a licensed lending book? Let’s connect.
We partner with SEC-licensed lenders right across the Philippines. To be added to the Aprubado network, email general@virixlabs.com with your SEC details and product range, and we will come back to you with terms.
Frequently asked questions
Is Aprubado itself a lender?+
It is not. Aprubado runs a free matching layer — we never underwrite, approve, release, or collect a single peso. Once you submit a request, we hand your profile to one or more SEC-licensed partner lenders, and they own the approval, the payout, and the repayment relationship with you from that point on.
Who is currently in the lender network?+
Applicants are routed to a rotating roster of SEC-licensed lenders — Finbro, MoneyCat, CashExpress, Tala, Vamo and HoneyLoan are among them as of our July 2026 review — the roster rotates and every name should be re-verified on checkwithsec.sec.gov.ph. The roster is not fixed: partners join, leave, or change status over time, and we re-confirm every one of them each month on checkwithsec.sec.gov.ph.
What decides which lender I get matched to?+
It comes down to fit — the sum and term you asked for, where you are based, and the live eligibility rules and lending appetite of each partner. Often you land with more than one, which simply gives you more shots at an approval. Whichever lender picks you up makes the actual credit call.
Does the borrower ever pay Aprubado?+
Never. There is no sign-up cost, no matching cost, and no service charge on your side. Our revenue comes from a marketing/referral fee that the partner lender pays us only after a match turns into a funded loan. The full picture lives on /our-fees.
Where can I see a lender’s SEC credentials?+
Each partner is a company that is SEC-registered and carries a Certificate of Authority. When you reach the offer stage, that lender’s own screen and your loan contract spell out its SEC Registration Number, Certificate of Authority Number, and effective rate band — exactly as SEC MC 19 s.2019 requires.
Are you effectively lending through the partners, then?+
No — think of Aprubado purely as a discovery and matching channel. In line with SEC MC 10 s.2021, everything that counts as lending (underwriting, the credit decision, disbursement, and collection) sits entirely with the licensed partner. We do none of it.
What happens to my information during a match?+
We take only the details needed to pair you with a suitable lender and pass your request to the partner(s) you match with — they then act as the Personal Information Controller for the loan itself. No contact lists, no photo galleries, ever. The specifics are on /about/compliance, and privacy questions go to general@virixlabs.com.
How does a lender get added to the network?+
Licensed lenders start by writing to general@virixlabs.com. Before we route a single applicant your way, we need to see a live SEC Certificate of Authority, NPC registration, and your commitment to our disclosure and fair-collection standards.