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Instant Working Capital

Invoice Discounting & Factoring

Stop waiting 60, 90, or 120 days for multinational corporations and tier-1 institutions to pay completed supply invoices. Unlock up to 85% of your invoice value in cash within 24 hours.

Loan LimitUp to ₦50,000,000
Interest RateFrom 2.9% / Month
Payout Speed24 Hours
Tenure Spread1 - 6 Months
Apply for Invoice Discounting & Factoring
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 Invoice Discounting & Factoring.

₦17,000,000
Min: ₦1,000,000Max: ₦50,000,000
6 Months
1 Month6 Months
Early repayment discount: Clear your loan anytime before the final month with zero early liquidation penalties.
Estimated Monthly Payment
₦3,326,333 /month
Principal Amount:₦17,000,000
Interest Rate:2.9% / Month
Total Interest:₦2,958,000
Processing Fee (1%):₦170,000
Net Disbursed Cash:₦16,830,000
Apply for ₦17,000,000
Product Features

Why Borrow via Invoice Discounting & Factoring

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

Get up to 85% advance cash within 24 hours of invoice verification
Confidential discounting: Your clients need not know you are using invoice financing
No tangible collateral required — the verified invoice is the security
Direct settlement once the corporate client remits payment
Revolving facility: Draw down repeatedly as you submit new client invoices
Ideal For:

Vendors, logistics companies, IT contractors, and corporate suppliers supplying FMCGs, telcos, banks, and oil & gas companies.

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 Invoice Discounting & Factoring

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.

Approved Purchase Order and Delivery Note (Goods Received Note / Job Completion Certificate)
Original Sales Invoice issued to a recognized corporate client or government parastatal
CAC registration and company tax clearance certificate
12 months corporate bank statement
Common Questions

Invoice Discounting & Factoring FAQs

Funds for Invoice Discounting & Factoring are disbursed directly to your verified commercial or digital bank account within 24 Hours of final review.
Ready to Get Started?

Apply for Invoice Discounting & Factoring Today

Disbursed in 24 Hours directly to your Nigerian commercial bank account with transparent rates starting at 2.9% / month.

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