Business · Companies · 14 hrs ago
Tala plans to provide credit infrastructure to other companies
Tala plans to help other companies offer loans through their own digital platforms in Latin America.
The personal-loan company will keep lending directly through its app, while also making its credit assessment tools and operating services available to partners.
Telecoms, online retailers, health businesses and retailers are among the sectors it wants to work with.
Under the service, Tala can assess applications, manage loans and collections, and handle regulatory requirements.
Tala may also provide or connect partners with funding, drawing on investors as well as its own capital.
The company says its credit model has been developed over more than a decade and used information from more than 50 million applications worldwide.
The shift could bring credit offers to users beyond Tala’s app, and Tala says it has already started applying the model through agreements with digital platforms.
Further growth in Latin America depends on bringing more partner companies on board.
Tala plans to offer its credit technology and operating capabilities to companies so they can provide loans through their own platforms.
The company will continue lending directly to consumers while also providing partners with credit assessment, loan operations and access to funding.
Tala says it can handle applications, credit decisions, collections and regulatory obligations for partner-financed loans.
Its credit model has been trained for more than a decade and draws on information from more than 50 million applications processed globally, the company says.
Tala has begun applying the model through agreements with digital platforms.
- Who
- Tala, a personal-loan technology company, and companies that partner with it.
- What
- Tala plans to provide credit infrastructure so other companies can offer loans through their own platforms.
- When
- The plan was reported on November 9, 2026. Tala says it has already begun applying the model through agreements with digital platforms.
- Where
- Latin America, with Tala operating internationally in Mexico, Kenya, the Philippines and India.
- Why
- Tala aims to extend its credit capabilities beyond its own app and help partner companies offer financing to their users.
This story does not have two clearly opposing sides.
Tala says its credit model has been trained over more than a decade.
Tala closed a credit line of up to $150 million with funds managed by Neuberger Berman to expand operations in countries where it operates, with an emphasis on Mexico.
El Economista MX reported Tala’s plan to provide credit infrastructure to other companies.
- Model
- Credit as a Service
- Credit applications
- More than 50 million processed globally, according to Tala
- Credit line
- Up to $150 million, closed in March 2025
- International markets
- Mexico, Kenya, the Philippines and India
- Partners
- Telecoms, e-commerce, health and retail companies
What people are saying
We are going to rely on a model we call Credit as a Service, where we make our algorithm, our credit model and our experience in credit operations available to partner companies, so that other companies can offer safe loans to their users
We want to stop being only a loan app and become a credit infrastructure open to any company that wants to offer financing to its users
We developed technology that other companies can connect to, depending on the model that is easiest for them. We create the application experience, process the information with our credit model and give people an answer in seconds
It is not just about offering the technology infrastructure, but also about providing the connection to the sources of capital needed to issue the loans