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# Philippines' Tonik Digital Bank Raises $12 Million Pre-Series C to Scale Lending
- URL: https://www.theglobalbanker.com/tonik-digital-bank-philippines-raises-12-million-pre-series-c-surpasses-one-million-loans/
- Published: 2025-12-04T06:00:00.000Z
- Updated: 2026-10-02T14:20:14.000Z
- Description: Tonik, the Philippines' first licensed digital-only bank, has raised $12M in a Pre-Series C round led by Diligent Capital Partners to strengthen its capital and scale lending.
- Author: TGB Editorial Team
- Tags: Fintech, Asia-Pacific, #archive

Tonik Financial, the controlling shareholder of Tonik Digital Bank, the Philippines' first licensed digital-only bank, has raised $12 million in a Pre-Series C funding round led by Diligent Capital Partners, with participation from Plio Limited, existing shareholder Altara Ventures and Tonik management. The round was announced on 4 December 2025\. Tonik said it had grown its loan portfolio 15-fold to US$83 million over three years, with annualised revenue above US$40 million, and that it expects to reach cash-flow breakeven around the first half of 2026.

#### USE OF FUNDS

The Pre-Series C round is intended to fund the continued scaling of Tonik's lending operations in the Philippines. Diligent Capital Partners led the raise.

#### LICENCE 

Tonik describes itself as the Philippines' first digital-only bank and operates under a digital bank licence from the Bangko Sentral ng Pilipinas, issued under the framework the central bank introduced to bring new competitive entrants into the sector.