Our loan products

The right structure for how you actually earn.

Whether you need quick cash to manage daily expenses or long-term financing to grow your business, our loan portfolio is engineered around the real cash-flow patterns of Nigerian individuals, salaried workers and SMEs.

Daily

Daily Loans

Short-term, quick-turnaround funds — perfect for market traders and small business owners who earn daily.

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Weekly

Weekly Loans

Slightly longer terms with manageable weekly repayments. Ideal for growing SMEs and retail businesses.

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Monthly

Monthly Loans

Longer-term financing with predictable monthly repayments — for salaried individuals and established business owners.

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Car-backed

Car-backed Loan

Park your car and get quick cash. Use your vehicle as collateral to unlock instant funds while we keep it safe — drive off the moment you settle.

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LPO

LPO Financing

Won a contract but short on cash to execute it? We fund your Local Purchase Order so you can supply and deliver on time.

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Daily

Daily Loans

Designed for traders, artisans and micro-entrepreneurs whose cash cycle turns over every day. Get working capital in the morning and repay in small, structured daily instalments that match your take-home. Same-day disbursement keeps you trading without pause, and repeat customers unlock higher limits with each successful cycle.

Amount: ₦50,000 – ₦500,000
Tenure: 1 – 20 days
Repayment: Daily
Best for: Market traders & micro-businesses

What you get

Same-day disbursement
Repay daily
Minimal paperwork
From ₦50,000

Eligibility

Active business for 6+ months
Verifiable trading location
Valid means of identification
One guarantor with steady income

Documents required

Government-issued ID
Recent utility bill
Passport photograph
Guarantor form

Apply for this loan → Speak to an advisor

Weekly

Weekly Loans

Weekly loans give retailers, distributors and service SMEs the breathing room to restock, hire and deliver — without the pressure of daily repayments. Instalments align with your weekly settlement cycle, so working capital feels like a partner, not a chase.

Amount: ₦200,000 – ₦5,000,000
Tenure: 1 – 12 weeks
Repayment: Weekly
Best for: Retail SMEs & service businesses

What you get

Weekly schedule
SME-friendly limits
Fast approval
Business-focused

Eligibility

Registered or verifiable business
12+ months in operation
Consistent weekly turnover
One corporate/individual guarantor

Documents required

CAC certificate or trade permit
3 months bank statement
Valid ID of owner
Utility bill of business premises

Apply for this loan → Speak to an advisor

Monthly

Monthly Loans

Our monthly facility is built for larger commitments — equipment, expansion, contracts and personal life goals. Amounts scale up to ₦50,000,000 with tenures that respect your income cycle. Salaried applicants enjoy simplified approvals via employer verification.

Amount: ₦500,000 – ₦50,000,000
Tenure: 1 – 6 months
Repayment: Monthly
Best for: Small and medium enterprises (SMEs)

What you get

Extended tenure
Higher ceilings
Predictable schedule
Up to ₦50,000,000

Eligibility

Salaried with confirmed employment
Or 2+ years business operation
Bank statements evidencing income
Acceptable collateral for higher tiers

Documents required

Employment/introduction letter
6 months bank statement
CAC docs (for businesses)
Collateral documents (if applicable)

Apply for this loan → Speak to an advisor

Car-backed

Car-backed Loan

When you need liquidity fast without selling your asset, our car-backed facility unlocks up to 60% of your vehicle value in cash. Your car is stored in a secure, insured facility for the duration of the loan and released the moment you complete repayment.

Amount: Up to 60% of car value
Tenure: 1 – 6 months
Repayment: Weekly or monthly
Best for: Car owners needing fast liquidity

What you get

Park your car, get instant cash
Secure, insured storage
Flexible repayment plans
Reclaim your car on full repayment

Eligibility

Vehicle registered in your name
Comprehensive insurance in force
Clear title (no existing lien)
Valid driver's licence

Documents required

Vehicle papers & proof of ownership
Insurance certificate
Valid ID
Recent utility bill

Apply for this loan → Speak to an advisor

LPO

LPO Financing

LPO Financing turns a confirmed purchase order from a reputable buyer into working capital. We settle your suppliers so you can fulfil the order, deliver, and repay from the contract proceeds. Ideal for contractors, suppliers and distributors serving corporates and government agencies.

Amount: Based on LPO value
Tenure: 1 – 6 months
Repayment: On contract payment or monthly
Best for: Contractors & suppliers with confirmed orders

What you get

Funding against confirmed LPOs
Supplier payments handled
Repay from contract proceeds
Up to 1 – 6 months

Eligibility

Confirmed LPO from a verifiable buyer
Registered business (CAC)
Track record of similar supplies
Domiciliation of contract proceeds

Documents required

Copy of the purchase order/contract
CAC certificate & company profile
Supplier quotation/invoice
6 months bank statement

Apply for this loan → Speak to an advisor

Relationship manager explaining a repayment plan

Free advisory

Structuring your facility

We design the repayment around your income cycle.

Two businesses can borrow the same amount and still need completely different schedules. A market trader who sells every day should not repay like a contractor paid once per milestone. Our advisors map your inflows first, then choose the product.

Cash-flow mapping. We review your daily, weekly or monthly inflow pattern before recommending a tenure.
Instalment sizing. Repayments are kept within a comfortable share of your net earnings.
Growth path. Clean repayment history unlocks larger limits and faster approvals on your next cycle.

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Who it suits

Find yourself in one of these profiles.

Market traders

Daily earners & market traders

You buy stock in the morning and sell through the day. You need working capital that arrives fast and repays in small daily bites that never stall your table.

Best fit · Daily Loans

Salary earners

Salaried professionals

You earn a predictable monthly income and need a facility for rent, school fees, medical bills or a personal project — repaid comfortably from your pay cycle.

Best fit · Monthly & Salary Loans

SMEs

Growing businesses & suppliers

You are fulfilling bigger orders, hiring staff or restocking at scale, and you need capital sized to a contract or a season rather than a single day.

Best fit · Weekly, Business & LPO

What affects your rate

Pricing depends on the amount requested, the tenure, the strength of your cash flow, the security offered and your repayment history with us. You always receive the full cost of the facility in writing before you commit — there are no application, processing or "unlocking" fees at any stage.

Compare loans

A quick side-by-side of what each product offers.

Product	Amount	Tenure	Repayment	Best for
Daily Loans	₦50,000 – ₦500,000	1 – 20 days	Daily	Market traders & micro-businesses
Weekly Loans	₦200,000 – ₦5,000,000	1 – 12 weeks	Weekly	Retail SMEs & service businesses
Monthly Loans	₦500,000 – ₦50,000,000	1 – 6 months	Monthly	Small and medium enterprises (SMEs)
Car-backed Loan	Up to 60% of car value	1 – 6 months	Weekly or monthly	Car owners needing fast liquidity
LPO Financing	Based on LPO value	1 – 6 months	On contract payment or monthly	Contractors & suppliers with confirmed orders

Not sure which product fits?

Speak with a relationship manager. We will recommend the right structure for your cash flow — no obligation, no fees.

Call +234 704 449 1201 Start online application