Doing Business as LoanStream and LendWise
Empowering Filipinos with Smart Financial Solutions
Our Purpose
At Biyaya Lending Corporation, we believe that financial access is a right—not a privilege. As a proudly Filipino fintech company, we are committed to transforming the lending landscape through innovation, transparency, and trust.
Our Advantages
Intelligent Risk Control
Using big data, cloud computing and other advanced technologies to build mature application systems, we aim to provide banks and third-party licensed institutions with integrated products such as digital identity verification systems, anti-fraud models and other automated solutions.
Artificial Intelligence
With Artificial Intelligence (AI) at the center of today's evolving digital economy, our AI model strategies are designed to deal with complex speech scenes, monitor clients' sentiments, predict threats and trends and optimize communications between businesses and individuals.
Big Data Analysis
Relying on cutting-edge technology and leveraging our research and development capabilities, we provide big data analysis services for various industries. We also support self-service BI report analysis and the production of visual data screens with rich components, maximizing the values and efficiency of our clients.
Our Vision
- To become the leading digital lending platform in the Philippines—recognized for our integrity, innovation, and impact.
- We envision a future where every Filipino, regardless of background or location, has access to fair and reliable financial solutions that empower their lives.
LoanStream
LoanStream is a digital loan solution by Biyaya Lending Cooperation, designed to provide fast, secure, and reliable personal financing to Filipinos. Apply easily with your ID card—no collateral required, and the entire process is 100% online.
- Fast approval within minutes
- No collateral or paperwork needed
- Flexible repayment terms
- Secure data handling with AI-powered verification
- Trusted by thousands of satisfied users
About Product
In 2025, we launched our first mobile lending app, LoanStream, and quickly gained traction with thousands of downloads within the first few months. By focusing on customer trust and seamless digital experience, we expanded our operations nationwide.
In 2023, we introduced AI-powered risk control systems, elevating our credit evaluation and fraud prevention processes. Today, Biyaya Lending continues to lead the way in inclusive digital lending, with a growing user base and a strong commitment to financial empowerment.
Our Company History
Founded in 2019, Biyaya Lending Corporation was established with a simple but powerful vision — to make financial services more accessible to every Filipino. We started as a small team of finance professionals and tech innovators who recognized the growing need for fast, reliable, and ethical lending solutions in underserved communities.
In 2021, we launched our first mobile lending app, LoanStream, and quickly gained traction with thousands of downloads within the first few months. By focusing on customer trust and seamless digital experience, we expanded our operations nationwide.
In 2023, we introduced AI-powered risk control systems, elevating our credit evaluation and fraud prevention processes. Today, Biyaya Lending continues to lead the way in inclusive digital lending, with a growing user base and a strong commitment to financial empowerment.