More than a loan company โ a financial partner.
At Option Financial Services, we understand that financial needs come in different forms โ and so should your loan options. That is why we offer a flexible range of loan products designed to fit your lifestyle, business, and goals.
Your best option for financial breakthrough
To make finance accessible, fair, and fast for individuals and SMEs across Nigeria.
We listen first, then finance
Every loan is structured around real cash flow, not rigid templates.
Ikeja, Lagos
A growing footprint of clients and relationship managers on the ground.
A lending business built one relationship at a time.
We started by financing traders our founders already knew personally โ and we still underwrite with the same discipline: understand the person, understand the cash flow, then lend responsibly.
Lending to people we knew
Option Financial Services began by financing traders and small business owners our founders already worked with โ relationships first, paperwork second.
A product for every cash cycle
Daily, weekly and monthly facilities were built to match how Nigerians actually earn, followed by car-backed lending and LPO financing for contract suppliers.
A full-service Ikeja head office
Credit, disbursement and customer care operate under one roof, with a dedicated relationship manager assigned to every customer we serve.
Deeper reach across Lagos
We are widening our footprint market by market, keeping the same promise: listen first, lend responsibly, and answer when the phone rings.
Real impact
Capital that stays in the neighbourhood.
Every facility we approve keeps a shop stocked, a delivery van moving, a payroll met, or a contract delivered on time. Our customers are not files in a queue โ they are the shops, workshops and suppliers on the streets around us.
- Traders first. A large share of our book supports micro and small traders with daily and weekly cycles.
- Repeat relationships. Most of our customers come back โ and unlock higher limits with each clean cycle.
- Financial coaching. Relationship managers help customers plan repayments and build a borrowing record.
Ikeja, Lagos
An office you can actually walk into.
Credit, disbursement and customer care sit under one roof at our Ikeja head office, so decisions are made by people you can meet โ not by a system in another country.
SO&C Compliance House, 17 Independence Street, Off Anifowose Street, Ikeja, Lagos, Nigeria
Built on trust, speed, and respect.
We build long-term relationships through honest, clear communication.
Fast decisions and disbursement so you never miss an opportunity.
Every client is treated with dignity, regardless of loan size.
Ready to work with a lender that listens?
Start an application online, or speak directly with a relationship manager about the structure that fits your cash flow.