Our Financing Products
Structured solutions for every stage of your business journey. From day-to-day working capital to long-term development — we have the product.
Business Loans
Flexible term loans for growth and expansion
Flexible term loans to fund business growth, equipment purchase, expansion, or operational needs. Structured around your assets and cash flow for a solution that actually works.
Key Features
- Loan amounts from ₦5M upwards
- Tenors of 3–24 months
- Competitive interest rates
- Asset or cash-flow backed
- Quick disbursement
Eligibility
Nigerian-registered businesses. CAC documentation required. Minimum 12 months trading history.
Overdraft Facility
Revolving credit for daily cash flow gaps
A revolving credit facility that keeps your business running smoothly when cash flow gaps appear. Draw down and repay as your business needs — no idle capital charges.
Key Features
- Access funds as needed
- Pay interest only on what you use
- Renewable annually
- Tied to business account turnover
Eligibility
Nigerian-registered businesses. CAC documentation required. Active business bank account needed.
Consumer Finance
Personal financing structured around your assets
Personal financing solutions for individuals, structured around your assets and repayment capacity. Whether you're a salary earner or a business owner, we have a plan for you.
Key Features
- Vehicle and asset-backed options
- Flexible repayment plans
- Fast approval process
- Available to salary earners and business owners
Eligibility
Nigerian residents with verifiable income or assets. Valid government-issued ID required.
Working Capital Bridge
Short-term funding while you await receivables
Short-term funding to cover operational gaps, payroll, and supplier payments while awaiting receivables. Bridge the gap and keep your operations moving without disruption.
Key Features
- Short tenors (1–6 months)
- Fast disbursement
- Minimal documentation
- For businesses with strong receivables
Eligibility
Nigerian-registered businesses. CAC documentation required. Evidence of receivables or purchase orders.
Invoice Discounting
Unlock cash tied up in unpaid invoices
Unlock cash tied up in unpaid invoices. We advance funds against verified invoices so you don't have to wait for your clients to pay. Maintain full control of your debtor relationships.
Key Features
- Up to 80% advance on invoice value
- Discreet — your clients need not know
- Turnaround within 48 hours
- For B2B businesses with creditworthy debtors
Eligibility
Nigerian-registered businesses. CAC documentation required. Valid B2B invoices with creditworthy debtors.
Contract Finance
Mobilise capital to execute government or corporate contracts
Finance to mobilise and execute on government or corporate contracts before payments arrive. Don't let funding gaps cost you a contract — we back you from day one.
Key Features
- Fund up to 60% of contract value
- Backed by signed contract and LPO
- Available for SMEs and contractors
- Tenor matched to contract cycle
Eligibility
Nigerian-registered businesses. CAC documentation required. Signed contract or LPO from a verifiable buyer.
Asset Finance
Finance the equipment and machinery your business needs to grow
Structured financing to help businesses acquire income-generating assets — from machinery and equipment to commercial vehicles and technology. Own the asset, preserve your cash flow.
Key Features
- Finance up to 80% of asset value
- Tenors of 12–48 months
- Available for new and used assets
- Asset serves as primary security
- Suitable for a wide range of asset classes
Eligibility
Nigerian-registered businesses. CAC documentation required. Asset must be income-generating and insurable.
Property Development Finance
Construction and development funding for property developers
Construction and development funding for residential and commercial property developers. From land acquisition through to completion — staged drawdowns tied to real build progress.
Key Features
- Fund land acquisition and construction
- Staged drawdowns tied to build progress
- Exit via sales or refinance
- For registered developers with viable projects
Eligibility
Nigerian-registered businesses or developers. CAC documentation required. Viable project with planning approvals.