Credit That Works for Real Nigeria.
Structured financing for individuals and businesses — built on income data, not collateral.
Financing Built on What You've Earned.
If you have a verifiable income, you deserve structured credit — one that respects your capacity to repay and never exceeds it.
Five Values. Every Decision.
Accessibility
Credit for every income earner — salaried, self-employed, or informal trader.
Responsibility
A 40% DSR cap on every product. We only lend what you can comfortably repay.
Transparency
Every offer states your limit, rate, schedule, and fees before you sign. No surprises.
Technology
Credit decisions driven by real data — bank statements, payslips, bureau checks.
Scalability
Built for Nigeria. Architecture ready to localise across Sub-Saharan Africa fast.
Partnership
We work with employers, suppliers, and tech partners to extend credit responsibly.
Built in Lagos. Built for Africa.
Millions of Nigerians have regular income but no real access to credit. Banks are slow. Collateral requirements are unreasonable. Informal lending is expensive.
We built Zerne Capital to change that — using income data, employer arrangements, and CBN-backed repayment infrastructure to lend responsibly at scale.
Nigeria First. Africa Next.
Our architecture, credit bureau relationships, and employer partnerships are built for rapid, localised expansion.
Ready to Apply?
No collateral. No branch visit. Under 10 minutes to apply.