1. Loan Interview – We understand your goals and assess the right product for you
2.Credit Search – We run background checks to ensure eligibility
3.Loan Application Form – You complete a short form (online or in-branch)
4. Business Appraisal & Visitation – Our team meets you and your guarantor to verify details
5. Collateral Visit & Land Search (if required)
6. Management Review – Internal evaluation and risk review
7. Loan Approval – You’re notified of your approval and terms
8. Disbursement – Funds are released directly to your account
Start to finish? As little as 3–5 working days (depending on documentation).
Valid ID (NIN, National ID, Voter’s Card, or Driver’s License)
BVN (Bank Verification Number)
NIN confirmation
Proof of business ownership (CAC, market registration, or shop address)
Proof of home address (utility bill or tenancy agreement)
Passport photographs (client and guarantor)
Unlike traditional banks, we don’t treat you like just a file number. Our goal is to partner with you, not profit off your stress.
Low interest loans with realistic repayment terms
Human support, not robots
CBN-licensed and NDIC-insured for your peace of mind
Loan top-up options after consistent repayment
Financial literacy support to help you grow and succeed
We’re here to build long-term success stories — not just issue short-term cash.
