GoTyme Bank & TikTok Shop Empower MSMEs with E-Commerce Lending

TikTok Shop Loans powered by GoTyme Bank offer entrepreneurs fast access to funds based on real-time sales data

GoTyme Bank, a joint venture between the Gokongwei Group and multi-country digital banking group Tyme, has partnered with TikTok Shop to launch TikTok Shop Loans powered by GoTyme Bank—a new financing program that gives micro, small, and medium enterprises (MSMEs) fast, flexible access to capital based on their real-time sales data.

TikTok Shop is the e-commerce arm of TikTok, enabling brands, creators, and entrepreneurs to sell products directly through the platform via in-feed videos, livestreams, and a dedicated Shop tab. Since its first major sales event in June 2022, TikTok Shop has quickly become a powerful tool for Filipino sellers tapping into the growing social commerce space.

This new partnership is in line with GoTyme Bank’s mission to deliver inclusive, tech-enabled financial solutions to Filipino entrepreneurs. Regulated by the Bangko Sentral ng Pilipinas, GoTyme Bank draws strength from the Gokongwei Group’s expansive consumer ecosystem—allowing Filipinos to bank where they shop, eat, and relax.

Through this initiative, pre-qualified TikTok Shop sellers can receive customized loan offers from GoTyme Bank within minutes, with disbursement completed in as fast as one business day. Loanable amounts are determined using a seller’s transaction history on TikTok Shop, creating a seamless, data-driven approval process. Sellers may select their preferred loan amount and repayment terms and pay via bank transfer or QRPh in manageable installments.

“We want to give sellers a quick and easy way to access funds while they focus on growing their business. By using real-time sales data to power pre-qualified offers, we’re helping entrepreneurs get access to the business capital they need, right when they need it. This partnership brings us closer to building a more inclusive financial ecosystem for every Filipino business owner,” said Nate Clarke, President and CEO of GoTyme Bank.

“At GoTyme Bank, we believe MSMEs are the backbone of the Philippine economy, and they deserve financial solutions that not only empower their business but are also thoughtfully designed around their needs. Partnering with TikTok Shop expands our mission to make banking beautiful for all Filipino entrepreneurs,” added Albert Tinio, co-CEO of GoTyme Bank.

GoTyme Bank’s “phygital” platform—featuring an award-winning mobile app, user-friendly kiosks, and a physical debit card—delivers banking that is secure, intuitive, and built for real-world use. This makes it easier for MSMEs to reinvest in their business and scale with confidence.

As a social commerce platform, TikTok Shop plays a vital role in enabling digital entrepreneurs to scale. Its partnership with GoTyme Bank strengthens this mission by providing sellers with the capital needed to grow their business with confidence.

“TikTok Shop's mission is to empower Filipino MSMEs through social commerce, and with TikTok Shop Loans powered by GoTyme Bank, we're taking that commitment one step further,” said Franco Aligaen, Marketing Lead of TikTok Shop Philippines. “We believe that fast and flexible financing enables sustainable growth and empowers MSMEs to thrive in the dynamic digital landscape.”

“TikTok Shop's mission is to empower Filipino MSMEs through social commerce, and with TikTok Shop Loans powered by GoTyme Bank, we're taking that commitment one step further,” said Franco Aligaen, Marketing Lead of TikTok Shop Philippines. “We believe that fast and flexible financing enables sustainable growth and empowers MSMEs to thrive in the dynamic digital landscape.”

With this bold partnership, GoTyme Bank and TikTok Shop are equipping Filipino MSMEs with the tools they need to dream bigger, move faster, and grow smarter in today’s digital-first economy.