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Division 05 — Small Business Loans

Fuel Your
Business Growth.

Fast, flexible financing designed for Port Harcourt entrepreneurs. No lengthy bank queues — apply online, get a decision in 24 hours. Launching very soon.

We'll send you a WhatsApp message the moment applications open.

What to expect

Built for Nigerian Business Owners

⚡
Fast Decisions

Submit your application online and receive a decision within 24 hours — no endless back-and-forth.

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100% Online

Complete all five application stages from your phone. Upload documents, verify your identity, sign your agreement — all digitally.

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Secure KYC

BVN and NIN verification via Dojah. Your data is encrypted and handled in full compliance with Nigerian data protection regulations.

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Flexible Repayment

Choose weekly, bi-weekly, or monthly repayment schedules. Your loan dashboard shows every installment in real time.

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Loan Calculator

See exactly what you'll repay — total interest, fees, and schedule — before you apply. No surprises.

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WhatsApp Updates

Get notified at every stage — application received, approved, disbursed, and repayment reminders — straight to WhatsApp.

Application Process

5 Stages to Funding

01
Basic Registration

Name, phone (WhatsApp OTP verified), email, address, date of birth.

02
Identity Verification (KYC)

BVN verification, government ID upload (NIN / Voter / Passport / Licence), live selfie, next of kin.

03
Business Verification

Business name, CAC number (optional), address, photos, utility bill upload.

04
Financial Assessment

Monthly revenue, existing debts, bank account (auto-verified), bank statement upload.

05
Loan Application

Choose loan type, amount, duration, repayment frequency, and guarantor details. Review and submit.

Eligibility at a Glance

Who Can Apply?

✅ Registered business owner in Nigeria
✅ Valid BVN and government-issued ID
✅ Active bank account (any Nigerian bank)
✅ Minimum 6 months in business
✅ Port Harcourt or Rivers State based (Phase 1)
✅ At least one verifiable guarantor

Final eligibility is subject to our credit assessment. Meeting these criteria does not guarantee approval.

Loan Products

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Trade Loan

Buy goods and stock upfront. Repay as you sell. Ideal for traders and retailers.

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Equipment Loan

Finance machinery, tools, or vehicles for your business. Longer repayment terms.

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Working Capital

Cover day-to-day operational costs — salaries, rent, utilities — while you grow.

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Startup Loan

Getting started? We back early-stage businesses with a clear business plan and guarantor.

Be First in Line

Leave your WhatsApp number and we'll notify you the moment applications open.

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