Global
Kenya Mexico Philippines India Vietnam Guatemala Centroamérica

Unleash your platform’s growth with embedded credit

Tala’s Credit-as-a-Service provides instant liquidity to drive customer acquisition, engagement, and retention.

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Approve your customers for credit with no balance sheet, no credit risk, and no operational burden.

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Supercharge revenue by providing liquidity

Acquire more users in emerging markets by providing instant credit through action-based underwriting to incentivize usage and immediate engagement.

Expand your customers’ spending capacity

Power up 5x LTV growth with improved ARPU by providing the liquidity to scale transaction frequency and basket sizes.
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Generate and boost
radical retention

Credit is the ultimate sticky product. Tala’s always-on credit drives engagement; partners see a 10%+ boost in 30-day retention as customers return to repay and re-borrow.
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Tala’s Credit-as-a-Service drives outcomes

Join the remittance companies, wallets, and gig platforms already turning credit into their easiest revenue stream.

45%

ARPU growth

30%

Lower CAC

100%+

Potential ROI

Your customers need credit. Tala makes it profitable.

The entire credit experience happens within your brand.

Approvals in minutes

Eligible customers are instantly approved and set their terms.

Quick disbursement

Your customers receive funds in their wallet/bank account.

Simple repayment

Your customers repay directly in your app.

Always-on credit

On-time payments enable instant re-borrowing and boost retention. 


Frictionless plug-and-play infrastructure

Embed always-on credit into your app via SDK or lightweight APIs, delivering real-time decisions in minutes. All supported by enterprise-grade security and total data isolation.

1. Decisioning only

Tala uses AI and real-time data to optimize product fit and pricing.

2. Liquidity only

Tala’s balance sheet to fund loans and provide scalable risk capacity.

3. Decisioning
+ Liquidity

Tala provides the capital and AI-driven underwriting to fund and optimize every loan.

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Serving the Global Majority

We’ve lent $7B to 13M people in emerging markets and trained on 10 years of proprietary data.

Latin America

South East Asia

East Africa

Tala conducts an assessment of the licenses and registrations required during each exploratory phase. The licences and/or registration required will depend on the features of the Tala product to be offered in the market, and the structure of the partnership.

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Power your platform with embedded credit. Connect with our team to get started.


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Our Investors

$500M+ capital deployed.