{"id":12327,"date":"2026-03-26T08:00:00","date_gmt":"2026-03-26T08:00:00","guid":{"rendered":"https:\/\/getincome.com\/blog\/?p=12327"},"modified":"2026-03-25T15:27:29","modified_gmt":"2026-03-25T15:27:29","slug":"meet-mocasa","status":"publish","type":"post","link":"https:\/\/getincome.com\/blog\/meet-mocasa\/","title":{"rendered":"Meet Mocasa!"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"12327\" class=\"elementor elementor-12327\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4397544 e-flex e-con-boxed e-con e-parent\" data-id=\"4397544\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb5c4d2 elementor-widget elementor-widget-text-editor\" data-id=\"fb5c4d2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">We are excited to welcome our latest Loan Originator, <strong>Mocasa<\/strong>, a fintech company founded in 2021 and based in the Philippines. Mocasa focuses on providing innovative credit payment services to the Filipino market, enabling users to experience the convenience of credit payment anytime and anywhere, whether online or offline, without needing a physical card. With partnerships with Mastercard and Asia United Bank (AUB), and accreditation by the Securities and Exchange Commission (SEC) and Credit Information Corporation (CIC), Mocasa has established itself as a trusted and regulated fintech lender in the Philippines.<\/span><\/p><p><span style=\"font-weight: 400;\">Since its founding, Mocasa has grown rapidly to serve over 200,000 active users who have obtained credit limits. Users can make payments via QR code scanning or through the Mocasa Card (a virtual Mastercard), making credit accessible both online and at physical stores across the Philippines. Mocasa has already originated over \u20ac17.6 million in loans and currently manages a portfolio of approximately \u20ac2.3 million.<\/span><\/p><p><span style=\"font-weight: 400;\">What sets Mocasa apart is its sophisticated risk management system. Led by an ex-Capital One risk management team leader, Mocasa uses a real-time intelligent credit assessment system that combines data from KYC verification, credit reporting agencies, social network data, and behavioural analysis to serve customers with strong risk performance while maintaining a low bad debt rate. The system also features a Constructive Account, enabling users to build their credit history from zero, expanding financial inclusion across the Philippines.<\/span><\/p><p><span style=\"font-weight: 400;\">Here are some key details about Mocasa\u2019s loans:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loan Type: <\/b><span style=\"font-weight: 400;\">Business loan<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Borrower APR Range: <\/b><span style=\"font-weight: 400;\">108%<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Expected Maturities: <\/b><span style=\"font-weight: 400;\">1\u20133 months<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Junior Share: <\/b><span style=\"font-weight: 400;\">28\u201336% (estimated through pledges and parent guarantee)<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\"><strong>To start the cooperation, Mocasa offers business loans with yields of 12\u201313% per year to investors on the Income marketplace.<\/strong> All listed loans come with a buyback obligation and an estimated Junior Share equivalent of <strong>28\u201336%<\/strong>, derived through pledges and a parent guarantee. Loans have expected maturities of <strong>1\u20133 months<\/strong>, making them an attractive short-term investment and a valuable addition to a well-diversified investment portfolio.<\/span><\/p><p><b>Don\u2019t miss out and diversify your portfolio with Mocasa today!<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-65f8d72 e-flex e-con-boxed e-con e-parent\" data-id=\"65f8d72\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f9daf1 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7f9daf1\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/getincome.com\/blog\/loan-originators\/mocasa\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-33a0a4f e-flex e-con-boxed e-con e-parent\" data-id=\"33a0a4f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d046d5 elementor-widget elementor-widget-text-editor\" data-id=\"6d046d5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><b>Notes on security structure:\u00a0<\/b><\/p><p><i><span style=\"font-weight: 400;\">The company placing loans on the Income marketplace is Mocasa Holding Ltd, a Hong Kong-based entity. The structure is based on a secured Business Loan Agreement between Mocasa Holding Ltd and Philippine Cashtrout Lending Corporation, the licensed consumer lender operating in the Philippines under the brand Mocasa. The consumer loans issued by Philippine Cashtrout Lending Corporation to Philippine borrowers have been pledged as security to the business loan. In addition, a parent guarantee from Mocasa\u2019s parent entity provides additional security. Pledges are made in weekly batches. Income EST SPV O\u00dc acts as fiduciary for Income investors, with a 100% assignment of the claim made from Mocasa Holding Ltd to the Income SPV, which then distributes fractional claims and repayments to investors. Due to the business loan structure, the advance rate on the loans is 100%. The pledges and parent guarantee are estimated to translate roughly to a Junior Share of 28\u201336%, which creates a sufficient buffer to protect investors in the case of LO default. Note that the performance of the underlying consumer loans issued in the Philippines is not directly linked to the performance of the business loan, and Mocasa Holding has the right to use other funds also to service the business loan.<\/span><\/i><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>We are excited to welcome our latest Loan Originator, Mocasa, a fintech company founded in 2021 and based in the Philippines. Mocasa focuses on providing innovative credit payment services to the Filipino market, enabling users to experience the convenience of credit payment anytime and anywhere, whether online or offline, without needing a physical card. With [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":12328,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[27],"tags":[67],"_links":{"self":[{"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/posts\/12327"}],"collection":[{"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/comments?post=12327"}],"version-history":[{"count":5,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/posts\/12327\/revisions"}],"predecessor-version":[{"id":12339,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/posts\/12327\/revisions\/12339"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/media\/12328"}],"wp:attachment":[{"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/media?parent=12327"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/categories?post=12327"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/tags?post=12327"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}