Credit
for You.
Capital for Your Business.
Consumer BNPL for salaried workers and individuals. B2B trade finance for retailers and SMEs. One platform, real data, responsible terms — built for Nigeria and scaling across Africa.
₦Billions in credit disbursed · 100+ customers
Buy Now, Pay Later.
And More.
Our flagship Consumer BNPL product leads a suite of credit solutions — all underwritten with real data, and protected by layered repayment structures.
Simple Steps,
Serious Protection.
Every application is reviewed by our credit team. Decisions in 24–72 hours — not weeks.
Structured to
Protect You Both.
Our lending model is built to ensure you never borrow more than you can repay — and to ensure we get paid back through layered protections, not hope.
Trusted by Nigerians
Building Their Future
I needed a new laptop for my remote work contract and couldn't wait to save up the full amount. Zerne Capital approved me within a day. The repayments come out of my salary automatically — I honestly forget it's even happening.
My shop kept running out of stock before month-end. Trade Micro-Credit changed everything. Zerne pays my distributor directly and I repay from daily sales. My revenue has grown 60% since I started using it.
We used SME Capital to buy equipment for our second branch. The process was straightforward — they looked at our actual numbers, not some arbitrary bank threshold. Limit increased after our first cycle. Highly recommend.
I used the Travel Financing for my Dubai trip. I paid part before I left and the rest in two instalments after I got back. No other lender structures it that sensibly. The transparency around fees is what keeps me here.
Ready to Access
Your Financing?
Apply in under 10 minutes. Decisions within 24–72 hours. No collateral required — your income is your qualification.
Are you an employer or supplier? Partner with us →
