Easily access business loans

Value Credit offers instant loan to expand and grow your business to generate more income as an SME.
Our digital lending platform is secure, fast and ease to manage your loan activities.

Loan Calculator

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3 Quick Steps To Apply & Access Loan


Create Your Profile

- Complete the registration form

- Verify your details

- Setup your profile


Loan Application & Verification

- Request for a Loan Amount

- Upload documents

- Verification by Value Credit


Approval & Disbursement

- Loan Approval

- Cash Electronically Disbursed

- Cash Confirmation

Key Indicators for Growth









What We Offer to Credible SMEs


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.


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


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.


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.

Frequently Asked Questions

ValueCredit offers working capital transactions between ₦500,000 and ₦5,000,000.
Loans are granted for a maximum of 90days.
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 of 1%.
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.
  • 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 administrative fee is paid online on our platform.
    Yes, your application may be subjected to various credit checks before your loan request is approved.
    In the event of a default, the detail of your loans will be disclosed to the credit bureau and/or security agencies.
    For all transactions, 1% fee for processing and administration applies and you will be notified during the loan application process.
    The interest is paid at maturity (usually every 30 days) along with the principal.
    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.

    Client Testimonials