Our SME Financing Solutions
We exist to support growth-minded businesses with access to structured, responsible financing.
Our team combines deep market knowledge and prudent lending practices to serve the real needs of Nigerian SMEs—especially in education, health, hospitality, and commerce.
Whether you are running a school, managing a hotel, or operating a pharmacy, we understand your unique challenges and tailor our financing solutions to match.
We support growing businesses with at least 12 months operating history.
Most loans are unsecured but may require a guarantor or movable asset lien depending on size.
School Support
Purpose:
- Bridge tuition income gaps
- Renovate classrooms or expand capacity
- Purchase school buses or educational equipment
- Pay staff salaries or settle statutory obligations
Loan Features:
- ₦1M – ₦50M
- Tenor: Up to 24 months
- Flexible repayment aligned with school terms
- Competitive, sector-based interest
Eligibility:
- CAC-registered school
- Minimum of 5 years in operation
- Evidence of a consistent student population
- 24 months of bank statements
Medical & Pharmacy Financing
Purpose:
- Restock essential drugs and consumables
- Upgrade diagnostic or treatment equipment
- Bridge HMO/NHIS payment delays
- Improve healthcare or pharmacy infrastructure
Loan Features:
- ₦5M – ₦20M
- Tenor: 3 to 12 months
- Affordable interest rates with sector support
- Fast-track processing for pharmacies
Eligibility:
- CAC-registered medical facility or pharmacy
- Minimum 36 months in operation
- Valid license from medical or pharmacy board
- 12–24 months of bank statements
Hotel & Hospitality Financing
Purpose:
- Renovate or upgrade facilities
- Acquire equipment or kitchen supplies
- Cover working capital needs
- Manage vendor payments and staff payroll
Loan Features:
- ₦2M – ₦20M
- Tenor: 2 to 18 months
- Grace period available for project-based funding
- Structured repayment options
Eligibility:
- Registered hospitality business
- At least 36 months of operating history
- Verifiable income and active bank account
- Strong occupancy or booking trends
Trading & General Commerce Financing
Purpose:
- Replenish inventory or raw materials
- Expand business operations or premises
- Smooth cash flow or cover supplier payments
- Purchase equipment or logistics support
Loan Features:
- ₦2M – ₦20M
- Tenor: 2 to 18 months
- Flexible repayment structures
- Grace period available for project-based funding
Eligibility:
- CAC-registered trading or commercial business
- At least 36 months of operating history
- Verifiable income and active business account
- Stable cash flow and consistent trade volume
Ready to grow your business with the right financing? Apply Now or Contact Us to learn more about how we can support your next big step.