Simple Steps.Serious Protection.
Fast decisions — not instant. Every application is reviewed properly. Because we take your money as seriously as our own.
Five Steps. Every Product.
The same framework applies across all products — documents and timelines vary by product type.
Verification & Assessment
Our credit team reviews your documents and verifies income. For salaried employees, we contact your HR team to execute the ESDA before any disbursement.
How Funds Are Disbursed
Disbursement method depends on your product — designed to eliminate diversion risk.
Repayment Before the Money Arrives.
The Employer Salary Deduction Arrangement (ESDA) is a tripartite agreement between you, your employer, and Zerne Capital.
Your employer deducts your monthly instalment from your gross salary — before net pay is processed — and remits it directly to us. The repayment happens before the money ever reaches your account.
GSI serves as the secondary backstop — activated if ESDA lapses or employment ends.
All Three Parties Sign
Employee, employer HR/payroll, and Zerne Capital sign before any disbursement.
Employer Runs Payroll
Monthly instalment deducted from gross salary before net pay is calculated.
Remitted to Zerne
Deducted amount sent directly to our account — before you receive your salary.
GSI Activates if Needed
If employment ends, GSI immediately triggers across all BVN-linked accounts.
The Cross-Bank Repayment Net.
Guaranteed Standing Instruction (GSI) is CBN-mandated infrastructure that auto-debits your bank account on agreed repayment dates — across every account linked to your BVN.
Switch banks. Move funds around. GSI still collects.
Cross-Bank
All BVN-linked accounts, any Nigerian bank.
Fully Automatic
No manual action needed from borrower or lender.
CBN-Mandated
Legally backed — industry standard in Nigerian lending.
Three Layers. Every Product.
No Zerne Capital product relies on a single repayment mechanism. Every facility has at least two.
ESDA
For salaried employees. Deducted from gross salary before net pay. Strongest possible protection.
GSI
Auto-debits any BVN-linked account. Activates immediately if ESDA lapses or for non-salaried products.
Personal Guarantee
Signed by borrower — and guarantor for self-employed. Enables legal recovery and bureau reporting on default.
Direct Supplier Payment
Funds paid directly to supplier — never to the borrower. Eliminates fund diversion entirely.
Apply in Under 10 Minutes.
Select your product. Upload your documents. We'll take it from there.