Your cash stays put
We fund every loan from our own capital, so your money keeps working in the business.
Loans for your team, funded by us.
Short-term credit for the people who work for you. Our money, our risk, our paperwork. Your company only helps with the payroll deduction.
A simple credit line for your staff.
Life happens between paydays. We give the people on your payroll access to affordable short-term money for personal or emergency needs, so they can handle it without borrowing badly or asking the company for a salary advance.
Over 500 employees have been supported this way, and not one of those loans has been written off.
₦2,000,000
Maximum per staff member
Up to 6 months
Flexible repayment plan
No collateral
Based on employment and salary
From payroll
Repaid by monthly salary deduction
Terms are set with you. Loan limits per employee, minimum time on the job, and the purposes a loan can be used for are all agreed with your company before we start.
Good for the business. Good for the people in it.
The same facility does two jobs at once.
For your company
We carry the risk
Assessing, managing and absorbing the credit risk on each loan is our responsibility, not yours.
Built around your policy
Set the limits, the minimum tenure and what the money can be used for. We work inside your rules.
Almost no admin
You support the payroll deduction. We handle approvals, checks, paperwork and tracking repayments.
People stay longer
Access to fair, low-cost credit is a benefit staff notice, and it shows up in retention.
Fewer money worries at work
Structured loans and financial education help your team build steadier habits over time.
For your team
Money when it is needed
Processing is faster than most traditional lenders, because we already know the employer.
A better rate
Staff get rates offered through the employer partnership, not standard retail pricing.
Nothing to pledge
Loans are unsecured and assessed on employment and salary, so there is no collateral to find.
Repayment takes care of itself
Deductions come straight from salary each month, so there is nothing to remember and nothing to miss.
Clear terms
The repayment plan is written out from the start, with no hidden charges.
Credit that counts
Paying on time strengthens an employee's credit profile for whatever they need next.
How a staff loan works.
Five steps, from the first conversation to the final deduction.
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Tell us
The employee lets us know what they need the money for.
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Apply
They complete our application form and send the requirements. Our credit team reviews it.
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Approval
Our Business Credit Committee reviews the application and approves the loan.
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Disbursement
We pay the funds directly into the employee’s account.
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Repayment
A monthly deduction comes out of salary until the end of the tenor.
What setting it up takes.
Less than you would expect. Most of the work sits on our side.
From your company
- An agreement on the terms. Limits per employee, minimum time on the job, and eligible loan purposes.
- Confirmation of employment. A simple check that the applicant is on your payroll.
- Support with payroll deduction. Your payroll team passes on the monthly repayment.
From us
- The capital. Every loan is funded from our own balance sheet.
- The credit work. Assessment, approval, documentation and recovery, end to end.
- The risk. If a loan goes bad, it sits with us, not with your company.
Set it up for your team.
Tell us how many people you employ and how you run payroll. We will come back with terms your company can review.