Advance Tech Lending

Advance Tech Lending Inc. (operating as Advance, advance.ph) is a Philippine fintech lender founded in 2018 by Jaime de los Angeles and Addi Guevara and headquartered in Taguig, Metro Manila. It operates an on-demand salary access and working-capital platform for Southeast Asia: employees of enrolled employers can draw a Salary Advance of up to 50% of their monthly basic salary, and businesses can unlock cash through Direct Disbursement (invoice/receivables financing) and Payroll Disbursement (payroll funding during cash-flow gaps). The company is registered with the Philippine SEC (Company Reg. No. CS201819635) and holds Certificate of Authority No. 2765 as a lending company, and has raised roughly USD 16-17M in pre-Series A funding from investors including Accion Venture Lab, Lendable, Next Billion Ventures and Do Ventures. As of this profile Advance publishes no first-party developer program, API reference or machine-readable API contract: advance.ph is a 15-page marketing site with no developer path, partner.advance.ph redirects every path to a login, and the only externally visible API listing for its salary-loan product sits inside UnionBank's api.ph partner marketplace.

Advance Tech Lending is profiled on the APIs.io network. Tagged areas include Financial Services, Fintech, Lending, Salary Advance, and Earned Wage Access.

Advance Tech Lending’s developer surface includes support, engineering blog, signup flow, and 14 more developer resources.

🌐 Visit website 📡 Source on GitHub
15.4/100 emerging Agent 3/100 human only Full breakdown ↓
scored 2026-09-10 · rubric v0.20.0
0 APIs
Financial ServicesFintechLendingSalary AdvanceEarned Wage AccessInvoice FinancingPayrollEmployee BenefitsPhilippinesSoutheast AsiaCompany

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-10 · rubric v0.20.0
Composite quality — 15.4/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.4 / 20
Access Clarity 6.8 / 20
Operational Transparency 0.0 / 13
Contract Governance 2.2 / 12
Discoverability 5.0 / 10
Agent readiness — 3/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Delegated User Identity 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Well-Known Document 0 / 5
Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/advancetechlending: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Pricing Plans 1

Published pricing tiers and plan structures.

Advancetechlending Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Advancetechlending Rate Limits

0 limits

RATE LIMITS

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Advancetechlending Domain Security

TLSv1.2 · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

SignUp
SignUp
 Login
Login

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Operate 3

Status, limits, changes, and where to get help

RateLimits
RateLimits
 Support
Support
 HelpCenter
HelpCenter

Commercial 3

Pricing, plans, and the legal terms of use

Plans
Plans
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 6

The organization behind the API

Website
Website
 About
About
 Blog
Blog
 LinkedIn
LinkedIn
 Facebook
Facebook
 Crunchbase
Crunchbase

Source (apis.yml)

apis.yml Raw ↑ 
aid: advancetechlending
name: Advance Tech Lending
description: 'Advance Tech Lending Inc. (operating as Advance, advance.ph) is a Philippine fintech lender founded in 2018
  by Jaime de los Angeles and Addi Guevara and headquartered in Taguig, Metro Manila. It operates an on-demand salary access
  and working-capital platform for Southeast Asia: employees of enrolled employers can draw a Salary Advance of up to 50%
  of their monthly basic salary, and businesses can unlock cash through Direct Disbursement (invoice/receivables financing)
  and Payroll Disbursement (payroll funding during cash-flow gaps). The company is registered with the Philippine SEC (Company
  Reg. No. CS201819635) and holds Certificate of Authority No. 2765 as a lending company, and has raised roughly USD 16-17M
  in pre-Series A funding from investors including Accion Venture Lab, Lendable, Next Billion Ventures and Do Ventures. As
  of this profile Advance publishes no first-party developer program, API reference or machine-readable API contract: advance.ph
  is a 15-page marketing site with no developer path, partner.advance.ph redirects every path to a login, and the only externally
  visible API listing for its salary-loan product sits inside UnionBank''s api.ph partner marketplace.'
url: https://raw.githubusercontent.com/api-evangelist/advancetechlending/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: 'enrichment pass 2026-09-09: full STEP 0b contract discovery run across advance.ph, www, partner.advance.ph
  and CT-log subdomains; no public API surface found'
specificationVersion: '0.20'
created: '2026-09-09'
modified: '2026-09-09'
tags:
- Financial Services
- Fintech
- Lending
- Salary Advance
- Earned Wage Access
- Invoice Financing
- Payroll
- Employee Benefits
- Philippines
- Southeast Asia
- Company
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: RateLimits
  url: rate-limits/advancetechlending-rate-limits.yml
- type: Plans
  url: plans/advancetechlending-plans-pricing.yml
- type: LLMsTxt
  url: llms/advancetechlending-llms.txt
- type: Conformance
  url: conformance/advancetechlending-conformance.yml
- type: DomainSecurity
  url: security/advancetechlending-domain-security.yml
- type: Website
  url: https://advance.ph/
- type: About
  url: https://advance.ph/about
- type: Support
  url: https://advance.ph/contact
- type: HelpCenter
  url: https://advance.ph/faqs
- type: Blog
  url: https://advance.ph/blog
- type: SignUp
  url: https://advance.ph/sign-up
- type: Login
  url: https://advance.ph/login
- type: TermsOfService
  url: https://advance.ph/terms
- type: PrivacyPolicy
  url: https://advance.ph/privacy
- type: LinkedIn
  url: https://www.linkedin.com/company/advancetechlending
- type: Facebook
  url: https://www.facebook.com/advancetechlending
- type: Crunchbase
  url: https://www.crunchbase.com/organization/advance-tech-lending
image: https://cdn.prod.website-files.com/65f7b73881129a65c906fbaa/6603cdd2a7f553cc07e761db_Logo%20Blue.png
x-enrichment:
  date: '2026-09-09'
  status: minimal
  artifacts_added: 6
  pass: local-v3
x-coverage:
  state: gated
  reason: marketplace-only
  detail: Advance Tech Lending publishes nothing developer-facing on its own hosts - advance.ph is a 15-page Webflow marketing
    site whose complete sitemap contains no /developers, /docs or /api path, api.advance.ph does not resolve in DNS, and partner.advance.ph
    redirects every path to /login?next=/ - so the only externally visible API for an Advance product is the third-party "Salary
    Loan by Advance Tech" partner listing inside UnionBank's api.ph marketplace, which itself answered 503 from its Akamai
    edge on every request during this pass.
  evidence:
  - url: https://api.ph/marketplace/partner-advance-lending/83/business/overview
    status: 503
  - url: https://advance.ph/sitemap.xml
    status: 200
  - url: https://advance.ph/openapi.json
    status: 404
  - url: https://advance.ph/.well-known/api-catalog
    status: 404
  - url: https://partner.advance.ph/
    status: 200
  - url: https://partner.advance.ph/openapi.json
    status: 404
  checked: '2026-09-09'

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this
  • find_providersBrowse and filter every provider in the catalog.
  • get_provider_artifactsEvery artifact this provider publishes, grouped by type.
  • get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
  • get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
  • get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
  • get_provider_ratingPRO — composite, band, trend and facet scores.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

Call it yourself

curl for this page
This provider 
curl "https://apis.io/api/v1/providers/advancetechlending"
All providers 
curl "https://apis.io/api/v1/providers?limit=25"
Every operation they expose 
curl "https://apis.io/api/v1/providers/advancetechlending/operations?limit=25"
How their score was established 
curl "https://apis.io/api/v1/providers/advancetechlending/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.