Tala Expands Model to Offer Credit Infrastructure to Businesses in Latin America, Digi Mart USA News: Personal loan fintech Tala is seeking to expand its business model in Latin America by offering an infrastructure that will allow telecommunications, e-commerce, health and retail companies to offer financing within their own platforms.
The company will keep its direct personal lending business, but will also make its credit scoring model, operational capacity and access to capital available to third parties.
Liliana Herrera, Tala’s regional director for Latin America, said the company will base its approach on a model it calls Credit as a Service. “We make available to allied companies our algorithm, our credit model and our experience in credit operations, so that other companies can offer secure loans to their users,” Herrera said.
Herrera explained that the goal is to take the capabilities Tala has developed beyond its own app. Interested companies will be able to integrate the loan application process into their digital platforms.
“We want to stop being only a loan app and become an open credit infrastructure available to any company that wants to offer financing to its users,” she said.
Herrera said companies can connect using whichever model is easiest for them. “We develop the application experience, process the information with our credit model and give people an answer in seconds,” she explained.
In addition to providing the technology, Tala will take on loan operations, including collections and regulatory obligations. The company may also provide funds to place loans or connect operations with investors interested in financing this market.
According to the company, the new model will rely on a credit system that has been trained over more than a decade and includes information from more than 50 million applications processed globally.
Herrera said the company can provide capital and is also in talks with investors from several parts of the world who see potential in the sector. “It is not only about offering the technology infrastructure, but also providing the connection to the sources of capital needed to place loans,” she added.
The company has already begun applying this model through agreements with digital platforms.
The expansion follows a March 2025 credit line of up to $150 million from funds managed by Neuberger Berman. The funds were earmarked to expand operations in countries where Tala operates, with an emphasis on Mexico.
Internationally, the company operates in Mexico, Kenya, the Philippines and India.
Herrera said the next stage of growth in Latin America will depend on bringing in allied companies that distribute loans through their own platforms. “Over the past 10 years we have established ourselves as a company that offers credit directly to consumers, but now we want to bring that knowledge to more people.
The transition consists of turning Tala into a platform that shares its financial capacity, not only through our app but through allied companies,” Herrera said.
