Products

Our Target Markets

Loans for individuals, micro borrowers, small and medium scale businesses and cooperative societies. Pick the market that describes you to see the maximum loan, age range and what we need from you.

Individuals · 6 MSMEs · 4 Not sure which one fits?Talk to us

Individuals product loans

Individuals

Age 21 – 60

Salary Earners – Private

Professional
Knowledgeable
Have access to a monthly income

Maximum loan (obligor limit)

₦1,000,000

Applicable products

Personal loan, Salary Advance, School fees loan, Leases

Risk acceptance criteria

Customer is an employee of approved company and must be confirmed
Repayment will not exceed 30% of customer’s post-tax salary
Customer does not have any non-performing loan

See all 8 criteria

Apply for this loan

Age 21 – 60

Salary Earners – Public (Civil Servants)

Professional
Knowledgeable
Have access to monthly income
Salary may not be regular

Maximum loan (obligor limit)

₦1,000,000

Applicable products

Personal loan, Salary Advance, School fees loan, Leases, Travel Loans

Risk acceptance criteria

Customer is an employee of approved Ministries or MDAs & must be confirmed
Repayment will not exceed 30% of customer’s post-tax salary
Customer does not have any non-performing loan

See all 8 criteria

Apply for this loan

Age 20 – 50

Skilled Labour

Very Mobile
Skillful
Irregular / Low income
Salary may not be regular

Maximum loan (obligor limit)

₦500,000

Applicable products

Personal loan, School fees loan, Leases

Risk acceptance criteria

Customer must have evidence of reasonable skills and income
Customer does not have any non-performing loan
Customer must have an active bank account

See all 5 criteria

Apply for this loan

Age 18 – 35

Unskilled Labour

Very Mobile
Not Skilled
Irregular / Low income

Maximum loan (obligor limit)

₦100,000

Applicable products

Personal loan, School fees loan, Leases

Risk acceptance criteria

Customer must have evidence of reasonable sources of income
Customer does not have any non-performing loan
Customer must have a verifiable means of identification in addition to BVN/NIN

See all 5 criteria

Apply for this loan

Age 30 – 55

Self Employed – Artisan

Irregular Income
Has Limited Choice
Business Mostly Unstructured

Maximum loan (obligor limit)

₦300,000

Applicable products

Personal loan, School fees loan, Leases, Asset finance

Risk acceptance criteria

Customer must have evidence of reasonable sources of income
Customer does not have any non-performing loan
Customer must have a verifiable means of identification in addition to BVN/NIN

See all 4 criteria

Apply for this loan

Age 21 – 60

Self Employed – Professionals

Irregular Income
Has Many Choices
Medium to High Income

Maximum loan (obligor limit)

₦1,000,000

Applicable products

Personal loan, School fees loan, Leases

Risk acceptance criteria

Customer must have evidence of reasonable sources of income
Customer does not have any non-performing loan
Customer must have a verifiable means of identification in addition to BVN/NIN

See all 5 criteria

Apply for this loan

Loan for MSMEs

Micro Borrower and Small Scale Businesses

Age 20 – 55

Micro Borrower – Petty Traders

Irregular / Low Income
Mobility is High

Maximum loan (obligor limit)

₦500,000

Applicable products

Stock Finance, Leases, Asset finance, Working Capital

Risk acceptance criteria

Customer must have evidence of reasonable sources of income
Customer does not have any non-performing loan
Customer must have a verifiable means of identification in addition to BVN/NIN

See all 5 criteria

Apply for this loan

Age 20 – 45

Small Scale Businesses

Irregular Income
Has Limited Choices

Maximum loan (obligor limit)

₦1,000,000

Applicable products

Trade finance, Leases, Asset finance, Stock Finance, Overdraft

Risk acceptance criteria

Customer must have evidence of reasonable sources of income
Customer must have incorporated the company
Customer does not have any non-performing loan

See all 7 criteria

Apply for this loan

Age 20 – 55

Medium Scale Business

Irregular Income
Has Many Choices

Maximum loan (obligor limit)

₦1,500,000

Applicable products

Stock financing, Invoice discounting, LPO, Trade Financing, Leases / Asset finance, Working Capital

Risk acceptance criteria

Customer must have evidence of reasonable sources of income
Customer does not have any non-performing loan
Customer must have a verifiable means of identification in addition to BVN/NIN

See all 7 criteria

Apply for this loan

Registered societies

On-Lending (Cooperative Societies)

Are in clusters
Very structured
Applicable rates are usually low

Maximum loan (obligor limit)

₦10,000,000

Applicable products

On-lending

Risk acceptance criteria

The society must be duly registered with CAC
Credit must be guaranteed by the society
Credit are mostly cash collateralised

Apply for this loan

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