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

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Create Your Profile

- Complete the registration form

- Verify your details

- Setup your profile

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Loan Application & Verification

- Request for a Loan Amount

- Upload documents

- Verification by Value Credit

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Approval & Disbursement

- Loan Approval

- Cash Electronically Disbursed

- Cash Confirmation

Key Indicators for Growth

221+

Credible
SMEs

220+

Loans
Approved

4

Corporate
Partnerships

18

Agent
Network

What We Offer to Credible SMEs

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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.

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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

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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.

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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

    "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……”

    Olalekan Kareem

    ILSINTECH OPTICS NIGERIA 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”

    Adetola Adeniyi

    Teesolt Concepts 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.”

    Oluwafemi Ige

    Kif Investments Nigeria Limited

    "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.”

    Samuel Dundun

    Kleanwater Houze Concepts

    "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”

    Mojeed Olaosegba

    Probitas Integrated Engineering

    "Great and smooth service! God bless the value credit team for helping businesses, this commercial banks don't and wouldn't do.”

    Bolarinwa Sosanya

    Curative Integrated Services Ltd

    "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.”

    Jerome Oikerhe

    2G PROJECT SERVICES LIMITED

    "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.”

    OLUWASEUN JOHNSON

    TOPFIELD GLOBAL LOGISTICS LTD

    "This is amazing I seek for business loan and it was approved within 24hrs”

    NAJIYM ABDOULRAZAQ

    FUNERGY TECHNOLOGIES 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.”

    Folorunsho Ojo

    Mayworth Contracting Limited

    "Wonderful experience from onboarding to disbursement. Excellent”

    Akinwale Ojo

    SPay Business Solutions Ltd

    "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.”

    Adekanbi Adesoji

    Jayroyal Nigeria Limited

    "It was a wonderful new experience for quick and easy financing at a point where we needed it. What a great access!”

    Gbadegesin Oluwole

    FUNMWOLL NIG. ENTERPRISES

    "I had an excellent experience, received the loan in record time. I will surely make use of this service again.”

    Vivian Obiora

    Transroyal Courier Ltd