Answers to the questions we hear most before a first call. Still not sure? Just ring us — that's what we're here for.
How quickly can I get approved for a loan? +
Most business loan applications receive a decision within 48 hours of receiving all required documents. Some products like Car Buy-Back Loans and Merchant Cash Advances can be approved and disbursed the same day for qualifying applicants.
What's the minimum amount I can invest? +
Our Cash Investment product starts from ₦100,000. There's no upper limit. The investment tenor and exact rate will be confirmed by your advisor based on the amount and duration you choose.
Do I need to visit the office to apply? +
For most products, you can begin and complete your application entirely by phone and email. Some products may require physical document verification, but your advisor will let you know upfront exactly what's needed and when.
Are there any hidden fees or charges? +
Absolutely not. Every fee, interest charge, and term is disclosed to you in writing before you sign anything. We have a zero hidden fees policy and we take it seriously — it's core to who we are.
What documents do I need to apply for a loan? +
This varies by product, but generally you'll need a valid government ID, BVN, bank statements (3–6 months), and business registration documents for SME loans. Our advisors will give you a precise checklist for your specific product during your callback.
Is my investment capital guaranteed? +
Investor funds are held in segregated accounts with strict risk management protocols. Your advisor will walk you through all capital protection terms during onboarding. We've maintained a 100% on-time maturity payment record since 2020.
How is my personal data protected? +
Your personal and financial data is handled with the highest level of confidentiality. We are fully compliant with Nigerian data protection regulations. We never sell, share, or misuse client data under any circumstances.
Can I repay my loan early? +
Yes. We do not charge early repayment penalties on our standard loan products. If you want to pay off your loan ahead of schedule, simply contact your relationship manager and they'll process it promptly.
