# Advance Tech Lending

**Canonical:** https://apis.io/providers/advancetechlending/  
**Website:** https://advance.ph/  
**APIs profiled:** 0

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.

## Kin Score — 15.4 / 100 (emerging)

Scored 2026-09-10 under rubric 0.20.0.

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

## Agent readiness — 2.5 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Security (1)

- **Advancetechlending Domain Security** — TLSv1.2 · DMARC

## Plans (1)

- **Advancetechlending Plans Pricing**

## Tags

Financial Services, Fintech, Lending, Salary Advance, Earned Wage Access, Invoice Financing, Payroll, Employee Benefits, Philippines, Southeast Asia, Company

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/advancetechlending/). Scores are computed from the provider's own public artifacts under a published rubric.