Kredio
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Scale Your Business

Business & SME Growth Loan

Empowering Nigerian micro, small, and medium enterprises. Whether you run a retail store, wholesale pharmacy, logistics fleet, or tech agency, secure the capital you need.

Loan LimitUp to ₦50,000,000
Interest RateFrom 3% / Month
Payout Speed24 Hours
Tenure Spread3 - 24 Months
Apply for Business & SME Growth Loan
Zero Upfront FeesRapid Bank Account Payout17A Dele Adedeji St, Lekki Phase 1, Lagos
Repayment Calculator

Calculate Your Monthly Installments

Adjust the sliders below to see your exact monthly repayment, total interest, and net disbursement for Business & SME Growth Loan.

₦16,833,333
Min: ₦500,000Max: ₦50,000,000
6 Months
3 Month24 Months
Early repayment discount: Clear your loan anytime before the final month with zero early liquidation penalties.
Estimated Monthly Payment
₦3,310,555 /month
Principal Amount:₦16,833,333
Interest Rate:3% / Month
Total Interest:₦3,030,000
Processing Fee (1.5%):₦252,500
Net Disbursed Cash:₦16,580,833
Apply for ₦16,833,333
Product Features

Why Borrow via Business & SME Growth Loan

Designed specifically to address the cashflow and liquidity challenges Nigerian borrowers face with traditional commercial lenders.

Flexible repayments: Choose weekly, bi-weekly, or monthly repayment frequency
High lending limits up to ₦50,000,000 based on verified turnover
Dedicated relationship officer to support your business expansion
Collateral flexibility: movable assets, inventory, or personal director guarantees accepted
Revolving credit line option for recurring inventory purchases
Ideal For:

Traders, wholesalers, distributors, service agencies, and SME founders looking to restock bulk inventory or open new branches.

Fast, Dignified Credit with Zero Hidden Charges

At Kredio, every loan file is personally reviewed by an accredited underwriter at our Lekki Phase 1 hub. We do not use arbitrary automated algorithms that reject applicants without reviewing actual turnover or asset worth.

95%+Approval Success Rate
24 HoursTypical Payout Time
Simple 4-Step Process

How to Get Your Business & SME Growth Loan

From initial request to cash disbursement directly into your bank account.

01

Apply Online in 2 Mins

Pick your desired amount and tenure. Fill our simple form on this page or message our Lekki desk.

02

Statement or Asset Review

We evaluate your cashflow statements or invoice validity within 2 to 4 hours.

03

Direct Payout in 24 Hours

Review your sanction offer and accept. Approved cash is wired directly into your bank account.

04

Flexible Repayment

Pay back comfortably in monthly installments with zero hidden fees and instant asset release upon completion.

Documentation

Requirements Checklist

Keep these documents ready to ensure fastest sanction and same-day payout.

CAC Business Registration certificate (BN or RC Company)
Active business operation for at least 12 continuous months
12 months verified corporate or business account statement
Valid ID of directors / business proprietor
Recent shop / warehouse / office utility bill
Common Questions

Business & SME Growth Loan FAQs

Funds for Business & SME Growth Loan are disbursed directly to your verified commercial or digital bank account within 24 Hours of final review.
Ready to Get Started?

Apply for Business & SME Growth Loan Today

Disbursed in 24 Hours directly to your Nigerian commercial bank account with transparent rates starting at 3% / month.

Proceed to Online ApplicationChat with Lekki Desk on WhatsApp
Office: 17A Dele Adedeji Street, Lekki Phase 1, Lagos | Phone: +234 810 366 9924