Easily Access
Business Loans
Value Credit empowers your SME with instant loans designed to fuel business growth and increase your income. Our secure, fast, and user-friendly digital lending platform makes managing your loan activities effortless.
Loan Calculator
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Create Your Profile
- - Fill out our quick registration form.
- - Verify your details for instant credibility.
- - Set up your profile to unlock tailored loan options.
Loan Application & Verification
- - Choose the exact funding you need.
- - Submit your documents with ease.
- - We swiftly review and verify your details.
Approval & Disbursement
- - Get your loan approved quickly.
- - Funds sent directly to your account.
- - Verify your funds instantly.
1
Quick Business loans.
Value Credit offers well structured loans that provide SMEs with the required working capital to meet their current business’s needs and also to help their businesses overcome the immediate and future growth challenges.
2
LPO Financing.
Value Credit provides working capital to credible SMEs who have obtained purchase orders or letters of award to deliver goods and services or to carry out contractual works to their customers.
This aims to support the SMEs' business growth and expansion.
3
Invoice financing
Value Credit helps turn your unpaid invoices into the cash you need to help SME businesses improve their cash flow, pay employees, suppliers, and reinvest in operations.
4
Business Support
Value Credit offers tailored digital tools and business support services delivered by an experienced investment team that helps you face on-going business challenges to ensure the long-term success of your business.
Key Indicators for Growth
Our Key Indicators for Growth highlight the essential metrics driving our success, guiding our strategy, and ensuring sustainable progress.
400+
Credible SMEs
600+
Loans Approved
5
Strategic Alliances
25+
Agent Network
OUR FAQS
Frequently Asked Questions
How much can I borrow?
ValueCredit offers working capital transactions between ₦500,000 and ₦5,000,000.
What is the maximum tenor for a loan?
Loans are granted for a maximum of 90days.
What is the interest rate?
Our interest rates are calculated based on our algorithm's assessment of risk and range between 5-10% per transaction cycle of 30days. This is exclusive of other transaction fees plus management fee of 1% respectively.
What do I need to apply for loan?
You will require all or some of the documents below when you apply on our web platform;
- Scanned copies of all CAC documents
- Valid proof of government identification (International passport, National Identification card, Driver’s license, Voter’s card, and National Identity Management Commission card).
- Bank Verification Number.
- Evidence of past jobs executed on behalf of the corporate.
- The invoice to be discounted or the LPO to be financed.
How quickly do I get the money after my application is approved?
Loans will be credited to the applicant's account within 24hours after the approval advice is received by the applicant and the 1% processing and 1% administrative fee is paid online on our platform.
Does ValueCredit carry out credit checks on every applicant?
Yes, your application may be subjected to various credit checks before your loan request is approved.
Will the details of my loan be disclosed to a third party?
In the event of a default, the detail of your loans will be disclosed to the credit bureau and/or security agencies.
Are there other charges or fees?
For all transactions, 1% fee for processing and 1% fee for administration applies and you will be notified during the loan application process.
When is the interest paid?
The interest is paid at maturity (usually every 30 days) along with the principal.
What happens when I am unable to pay on the due date?
There are 2 scenarios that we envisage.
1. There is a valid unforeseen delay: If we verify that no fraud has occurred, we may extend the facility for another 30-60days which will attract an extension fee of 2%, while the approved interest rate continues.
2. The customer is being fraudulent: We will activate the legal proceedings, which include but are not limited to court orders for the debtor and their guarantor. In this event, the loan attracts an additional daily interest rate of 2% until the indebtedness is fully repaid or recovered.
Olalekan Kareem
ILSINTECH OPTICS NIGERIA LIMITED
I love the fact that it’s clients services are so professional…. I got funds same day of completing my information…. And supportive in my business growth as the funds I got was double figure millions and was paid that same day….. whaooo….. no too much paper works….. happy to be part of the family……
Adetola Adeniyi
Teesolt Concepts Limited
Value Credit does so well in supporting smes to realize their goals and deliver on projects. The company gives good services to their customers. Many thanks to Value Credit for excellent service delivery
Oluwafemi Ige
Kif Investments Nigeria Limited
i testify that i applied for 2 million Naira loan and i got it within 48 hours, I recommend VALUE CREDIT to all business men as a veritable tool to executing their projects.
Samuel Dundun
Kleanwater Houze Concepts
The value of a support service is determined by the utility derived thereof. It is important to note that I have over a decade experience in Financial services delivery in Nigeria. On a scale of 10, I experienced an exceptional credit disbursement of 9.5 from Value Credit. Well done! and keep the good work going.
Mojeed Olaosegba
Probitas Integrated Engineering
i love the loan processing speed. it is fast and seamless. the customer care experience is ok. the interest rate is better compared to other lenders i have transacted with in the past. this can be better though
Bolarinwa Sosanya
Curative Integrated Services Ltd
Great and smooth service! God bless the value credit team for helping businesses, this commercial banks don't and wouldn't do.
Jerome Oikerhe
2G PROJECT SERVICES LIMITED
A great way to provide service. Professionalism infused into every interaction. Effortless delivery which shows its become your culture. My expectations were exceeded to say the least. Kudos guys.
OLUWASEUN JOHNSON
TOPFIELD GLOBAL LOGISTICS LTD
Valuecredit is the one of the best company I have ever across in terms of giving out loan for business owners and the interest rate is very Minimal. I got to know the Company through a friend and my greatest surprise is that I received found within 6hours of my Application. I want to use this medium to testify how value Credit has improved and enlarge my Logistics business Most especially in terms of my Custom Clearing and exporting of customers Goods. Value Credit! The best Organization I have ever come across. God bless the entire Management.
NAJIYM ABDOULRAZAQ
FUNERGY TECHNOLOGIES LIMITED
This is amazing I seek for business loan and it was approved within 24hrs
Folorunsho Ojo
Mayworth Contracting Limited
We had an urgent need for funds to continue work on a project site, someone referred us to Value credit, we approached them with our request and was impressed with the response time, upon evaluation funds were disbursed promptly and rates were very competitive. They're arrested source of funding.
Akinwale Ojo
SPay Business Solutions Ltd
Wonderful experience from onboarding to disbursement. Excellent
Adekanbi Adesoji
Jayroyal Nigeria Limited
We are glad to come in contact to your esteemed organization. While the loan is easily assessed, it's really great how your website was user friendly designed to accomodate various classes of people.
Gbadegesin Oluwole
FUNMWOLL NIG. ENTERPRISES
It was a wonderful new experience for quick and easy financing at a point where we needed it. What a great access!
Vivian Obiora
Transroyal Courier Ltd
I had an excellent experience, received the loan in record time. I will surely make use of this service again.
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Find us
Our Loaction
Apt 3, Dero Court, Lekki Enclave, Lekki, Lagos, Nigeria.