SME Capital
The Capital Your Business Deserves. Working capital and growth financing for registered Nigerian SMEs. No collateral — credit based on what your business actually earns.
Banks Won't Lend. We Will.
80% of Nigerian SMEs lack access to formal credit. Banks demand collateral you don't have, take weeks to decide, and use criteria that have nothing to do with how your business actually performs.
SME Capital uses your real revenue data — bank statements, trading records, turnover — to determine what your business can borrow and repay.
Your turnover is your qualification. Your trading history is your credit score.
Capital for Every Stage of Growth.
Inventory & Stock
Bulk procurement from suppliers and distributors.
Equipment
Machinery, tools, technology, and business assets.
Expansion
New branches, market entry, renovations.
Payroll
Staff costs and hiring during growth periods.
Marketing
Customer acquisition, distribution, brand campaigns.
Working Capital
Bridge financing to cover payment gaps and cash flow.
Data-Driven. Not Arbitrary.
Five factors determine your SME Capital limit — all based on how your business actually performs.
Average Monthly Revenue
Last 6 months of bank statements.
Cash Flow Consistency
How stable and predictable your inflows are.
Existing Debt Obligations
Current loan repayments deducted from capacity.
Purpose & Projected ROI
What the capital will be used for and likely return.
Sector Risk Profile
Industry type and associated credit risk.
40% DSR Cap
Total monthly repayments on all facilities — including this one — must not exceed 40% of your average monthly net cash inflow. This protects your business from over-leveraging.
Facility Terms
What to Prepare Before Applying.
Most SMEs have everything needed already. Gather these before starting your application.
Loan Calculator
Monthly Payment
₦40,833
3 months
Total Interest
₦22,500
Total Payback
₦122,500
Rates are indicative. Final rates depend on your risk profile and product terms.
Decision in 48–72 Hours.
No branch visit. No collateral. Your revenue is your qualification.
Submit business docs & statements
CAC, 6-month bank statements, director ID
Revenue analysis
We assess your cash flow, turnover, and debt capacity
Credit offer issued
Limit, tenure, rate, and full repayment schedule
Sign & receive funds
Disbursed to business account or direct to supplier