Tell us about your business. We will do the rest.
No fees. No mandatory account opening. Fill the form and a relationship manager will contact you within one business day.
Prepare once
A complete file is the fastest file.
Most delays are caused by missing paperwork, not by our credit team. Gather these items before your call and your application can move from review to disbursement within days.
- Valid ID. NIN slip, driver's licence, voter's card or international passport.
- Bank statement. Three to six months from the account your business income flows through.
- Proof of business. CAC certificate, shop receipt, market association card or employment letter.
- Address & guarantor. A recent utility bill plus guarantor details where the facility requires one.
Your application, hour by hour.
Within minutes
Your submission lands with our customer care desk and is logged against a reference.
Within 24 hours
A named relationship manager calls you to confirm details and request documents.
Same-day review
Complete files go to the credit committee on the day they are received in full.
Under 72 hours
You receive a written offer letter and, once signed, funds are disbursed to your account.
A note on safety
Option Financial Services never asks for an application, processing or clearance fee, and our staff will never request that you send money to a personal account. If anyone contacts you claiming otherwise, call our office line immediately to verify.
Questions applicants ask us most.
Does applying cost anything?
No. Applying is completely free, and we never charge application, processing or clearance fees at any stage of the process.
Do I need a business account with you?
No account opening is required. Funds are disbursed directly to the bank account you nominate on your offer letter.
How soon will someone contact me?
A relationship manager typically calls within one business day of your submission, and always from our official office line.
What if my documents are incomplete?
We will tell you exactly what is missing and hold your file open. Your application only enters credit review once the file is complete.
Can I repay early?
Yes. Contact your relationship manager for a settlement figure — early settlement is welcome and helps build your borrowing record with us.
Will you contact my employer or guarantor?
Only where a facility requires verification or a guarantor, and only after we have told you it will happen.