Trade Micro-Credit
Never Run Out of Stock Again. Revolving inventory credit for retailers and market traders. We pay your supplier directly — you repay from daily sales via GSI.
Built for the Realities of Retail Trade.
Eight structural advantages that protect both you and your supplier.
Direct Supplier Payment
Zerne Capital pays your supplier directly — you receive the goods.
Revolving Structure
Once repaid in full, your limit resets automatically within 24 hours.
Micro-Limits
Starting from as low as ₦50,000, scaling with your sales history.
Short Cycles
Daily or weekly deductions matching your sales rhythm.
No Collateral
Your sales records are your qualification.
Rapid Approval
Credit decisions within 24 hours of data submission.
Automated GSI
No manual payments or trips to the bank.
Limit Growth
Consistent repayment unlocks higher limits automatically.
Your Limit Grows With Your Sales.
Start small. Prove your cycle. Unlock more.
| Monthly Sales | Credit Limit | Repayment Cycle | Notes |
|---|---|---|---|
| Up to ₦500k | Up to ₦100k | 7-day rolling | First cycle — 30% cap |
| ₦500k – ₦1.5M | Up to ₦300k | 14-day rolling | After 2+ cycles |
| ₦1.5M – ₦3M | Up to ₦600k | 21-day rolling | After 3+ cycles |
| ₦3M+ | ₦1M+ | 30-day rolling | Limit reviewed quarterly |
Built for Retailers, Traders, & Market Sellers.
No CAC registration required. No collateral. Just trading history. Informal traders are welcome to apply.
Provision Stores
Everyday household goods retailers.
Fashion Traders
Clothing, shoes, and accessories market traders.
Electronics Dealers
Phones, gadgets, and accessories.
Pharmacy & Health
Drugs, supplements, and medical products.
Agricultural Traders
Produce, foodstuff, and grains.
FMCG Retailers
Beverages, food items, and household brands.
How the Trading Cycle Works.
One cycle. Repeat indefinitely. Your limit grows as your sales grow.
You need to restock
Submit your supplier details to Zerne Capital.
We pay your supplier
Funds sent directly — you never handle cash.
You receive your stock
Goods arrive. You start selling immediately.
Daily/weekly GSI repayment
Auto-deducted from sales as they come in.
Limit resets. Repeat.
Cycle refreshes once repaid. Limit grows over time.
What You Need
Your Sales Data Is YourCredit Score.
Unlike banks that use outdated financial proxies, Zerne Capital's Trade Micro-Credit is built on granular, everyday sales data. We understand that a trader who moves ₦80,000 of goods daily has very different creditworthiness to one moving ₦20,000 — even if their bank balance looks similar on a given day.
The more sales data you share with us, the more accurately we can serve you — and the faster your limit can grow.
Loan Calculator
Monthly Payment
₦54,375
1 month
Total Interest
₦4,375
Total Payback
₦54,375
Rates are indicative. Final rates depend on your risk profile and product terms.
Ready to Restock?
No branch visits. No collateral. No hidden fees. Just a simple online application, a supplier check, and direct payment to your vendor.