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Tonik raises US$12M Pre-Series C to scale capital-efficient lending in the Philippines, led by Diligent Capital Partners. The funding will support Tonik's technology platform and enhance its regulatory capital position.

Dec 04, 2025

Amount Raised

$12 Million

Round Type

Series C

Professional ServicesFinancial ServicesMobileLending And InvestmentsPaymentsFinanceFintechLendingBanking

Investors

Tonik ManagementPlio LimitedAltara CapitalDiligent Capital Partners

Description

Tonik Financial, controlling shareholder of Tonik Digital Bank, has raised US$12 million in Pre-Series C financing led by Diligent Capital Partners. The funding strengthens the regulatory capital position of Tonik Digital Bank and supports continued investment in its technology platform. Tonik has achieved significant growth with a loan portfolio of US$83 million and annualized revenue exceeding US$40 million. The bank aims for cash-flow breakeven by mid-2026, driven by its AI-powered credit scoring and automation.

Who else raised in Professional Services and Financial Services around the same time

Companies in the same sectors as Tonik that raised within 45 days of this round, from Fundz verified event records.

  • GBank Financial Holdings raised $11M on January 14, 2026.
  • Platinum Credit Uganda raised $4M (Debt Financing) on December 22, 2025.
  • Thread Bank raised $31M (Funding Round) on December 16, 2025.
  • Higala raised $4M (Seed) on November 25, 2025.
  • Upward raised $8M (Seed) on November 7, 2025.
  • Obita raised $30M (Seed) on January 12, 2026.

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Company Information

Company

Tonik

About

Tonik is the first digital-only neobank in the Philippines, operating under a full banking license from the Bangko Sentral ng Pilipinas (BSP). It offers loans, deposits, and embedded finance via a mobile-first experience. The company is backed by leading global investors including Mizuho Bank, Insignia Ventures, Peak XV (formerly Sequoia India), and Point72 Ventures.

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Tonik raised. Fundz records a round at a median of 3.6 minutes from the SEC filing, with the decision-maker attached.

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