From business loans to investment plans — every product we offer is built around transparency, speed, and your long-term success. Serving Lagos and all of Nigeria since 2020.
Empowering SMEs and entrepreneurs with accessible capital.
All loan products come with clear terms, no hidden fees, and a dedicated relationship manager from application to disbursement.
Flexible funding for every stage of growth
Our Business Loan product empowers Nigerian SMEs and entrepreneurs with the capital needed to scale operations, hire talent, acquire equipment, or expand into new markets. We offer competitive, low-interest rates with fast approval timelines designed specifically for the pace of doing business in Nigeria.
Whether you need short-term working capital or a medium-term growth loan, we structure repayments around your cash flow cycle — not the other way around.
Complete the Cool Financials loan form online or in-branch at C60-61 Road 2 Ikota Shopping Complex, VGC, Lagos. Attach required documents during submission.
Our credit team reviews your application, verifies your BVN, and conducts a preliminary credit check within 24 hours of submission.
We analyse your bank statements, business financials, and loan purpose to determine the right loan amount and terms for your business.
You receive a detailed offer letter outlining the loan amount, interest rate, tenor, and monthly repayment schedule — fully transparent.
Review and sign your loan agreement. We walk you through every clause to ensure full understanding before commitment.
Funds are disbursed directly to your business bank account within 24–48 hours of signed agreement receipt.
Leverage your assets — unlock immediate capital
Asset Finance allows individuals and businesses to access capital by using owned assets — such as real estate, machinery, or vehicles — as collateral. This product is ideal for those who need liquidity without liquidating their assets.
We work with clients to accurately value their assets and structure a loan that maximises the value available to them, while preserving long-term ownership of their property.
Identify the asset(s) you wish to use as collateral. Provide ownership documentation and current estimated market value.
Our certified valuation partners conduct an independent assessment of your asset's current market value.
Based on valuation, we determine the available loan amount (typically 50–70% LTV) and propose a repayment plan.
Asset charge documents are prepared by our legal team. Both parties sign and the asset is registered as collateral.
Funds disbursed to your account within 48 hours of documentation completion and collateral registration.
Turn outstanding invoices into immediate cash
Don't wait 30, 60, or 90 days for clients to pay. Local Purchase Order lets you unlock up to 70% of your outstanding invoice value immediately, keeping your cash flow healthy and your operations running smoothly.
This product is designed for businesses that supply goods or services to corporate or government clients and need working capital while waiting on payment.
Provide verified invoices issued to creditworthy clients. Include supporting purchase orders or contracts where available.
We verify the invoice authenticity and your client's payment history and creditworthiness.
We advance up to 70% of the invoice face value directly to your account within 24–48 hours.
Your client pays the invoice on the original due date, directly to Cool Financials.
The client will make equity contribution of 30%, less a small service fee, once client make payment, the full payment is made to the Vendor.
Access cash using your vehicle
The Car Buy-Back Loan allows you to temporarily sell your vehicle to Cool Financials in exchange for immediate cash, with a guaranteed option to repurchase your vehicle at a predetermined price within the agreed period.
You continue to use your vehicle throughout the loan period. This product is ideal for individuals and business owners who need fast cash without giving up their daily transportation.
Bring your vehicle for a free inspection and valuation at our Lagos office. Our assessors determine fair market value.
We present a buy-back offer — typically 50–65% of vehicle market value — with a stated repurchase price and loan period.
Temporary title transfer documents are prepared. You retain vehicle keys and continue using your car.
Cash or bank transfer issued immediately upon signing — often same day for vehicles in good condition.
Repay the agreed amount within the loan period and full title reverts to you. Miss payments and we work out a restructure plan first.
Funding based on your property — repay as you earn
A Property Buy-Back Loan is a flexible financing option for property owners with consistent income. Instead of fixed monthly repayments, repayments are automatically deducted as a small percentage of your daily or weekly sales — so you pay more when business is good, and less when it's quiet.
Ideal for property owners who need working capital quickly.
Submit valid property documents such as C of O, Deed of Assignment, or Registered Title for initial verification of ownership and authenticity.
We conduct a professional valuation of your property to determine its current market value and assess eligible loan amount, typically 40–70% of value.
A secured loan offer is issued outlining repayment terms, interest rate, tenure, and collateral conditions. Agreement is signed by both parties.
Upon approval and completion of documentation, funds are disbursed directly into your business or personal account within 24–72 hours.
Repayment is made through structured installments. Once fully repaid, all claims on the property are released back to the owner.
A side-by-side look at our lending products to help you decide.
| Product | Ideal For | Collateral | Approval Time | Amount Range | Tenor |
|---|---|---|---|---|---|
| Contract Financing | Contracts | Landed Property | 48 hrs(After Verification) | ₦10M – ₦50M+ | 3 – 6months |
| Asset Financing | Business asset | Landed Property/Busines Asset | 48 hrs(After Verification) | ₦5M – ₦50M+ | 3 – 6 months |
| Local Purchase Order | Businesses with pending invoices | Landed Property | 48 hrs(After Verification) | ₦1M - ₦10M+ | 1 - 6 months |
| Car Buy-Back Loan | Individuals needing quick cash | Car | 48 hrs(After Verification) | ₦1M – ₦10M+ | 1 – 3 months |
| Property Buy-Back Loan | Businesses | Landed Property/Shop/House | 48 hrs(After Verification) | ₦5M – ₦50M+ | 3 - 6 months |
We go beyond loans — our investment and consultancy products help you grow, protect, and optimise your wealth.
Get immediate emergency funds by using your car as collateral with flexible repayment options.
A property-backed loan allows homeowners, shop owners, or landowners to use their property—whether a house, shop, or land—as collateral to secure financing.
Asset financing is a valuable financial tool that allows businesses to acquire essential equipment, machinery, or vehicles without depleting their capital reserves.
Join over 2,000 Nigerians who've already achieved their financial goals with Cool Financials. Our team is ready to guide you — from first enquiry to final disbursement.
Not sure which product is right for you? Fill in the form and one of our financial advisors will call you back within one business day to walk you through your options.