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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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