TALA

Tala is a United States-based financial infrastructure company that provides instant microcredit and digital financial services to underserved populations in emerging markets. Founded in 2011 by Shivani Siroya and headquartered in Santa Monica, California, Tala has operated in Mexico since 2017, establishing a physical office in Mexico City. The company leverages alternative data sources and machine learning algorithms to evaluate creditworthiness for customers who lack traditional credit histories, enabling loan approvals within minutes through its mobile application. In Mexico, Tala serves over three million customers, with women representing approximately 50 percent of its lending portfolio. The platform offers personal loans ranging from 500 to 10,000 Mexican pesos, with terms between 15 and 61 days and fixed interest rates starting at 11 percent. The average loan size in Mexico is approximately 2,300 pesos. In 2024, Tala approved over 500 million US dollars in loans across its Mexican operations. In March 2025, the company secured a 150 million US dollar debt facility from Neuberger Berman to further expand its lending capabilities and AI-powered financial platform in Mexico. Tala holds authorization from the Comisión Nacional Bancaria y de Valores and operates under the supervision of CONDUSEF, ensuring compliance with Mexican regulatory standards. Globally, Tala has disbursed over seven billion US dollars in credit to more than 13 million customers across Latin America, East Africa, and Southeast Asia, maintaining a repayment rate above 88 percent. The company is backed by investors including PayPal Ventures, Revolution Growth, IVP, and the Stellar Development Foundation.