Capitalwise
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Business Credit

Working capital that keeps
pace with your business.

Up to ₦15 million to buy stock, cover payroll and expand, repaid on terms that match how your cash actually flows.

Apply for SME LoanSee all loans

How it works

From application to funded, in a day.

No branch queues, no stacks of forms. Apply online and get a decision fast.

1

Tell us what you need

Share your business details and how much working capital you want.

2

We review your business

Our team reviews your business, your cash flow and your repayment capacity.

3

Funds hit your wallet

Approved facilities are disbursed straight to your Capitalwise account.

What it costs

Move the sliders to see the monthly repayment at our published rate.

What it is for
Each reason has its own limit on how long you can take.

You repay each month

₦105,833.33

for 6 months at 4.5% flat a month

Interest (4.5% a month flat)
₦135,000
One-off processing fee (1.5%)
₦7,500
Total you repay
₦635,000
Apply for this

An estimate at today's published rate. Your own terms are confirmed in the app once we have reviewed your application, and there is no penalty for paying early.

The deal, plainly

Built around your revenue.

What you’ll bring

  • A registered business with its CAC number
  • Your business bank account, linked read-only
  • Business collateral you can pledge, such as vehicle papers
  • A board resolution authorising the loan
  • Two guarantors who declare their assets and net worth

That’s the whole list. No branch visits, no stamped statements.

Why it fits

Repayments follow your cash flow

Terms are set around how money actually enters your business.

A decision within a day

We review your real revenue, not paperwork theatre.

A limit that grows

Repay well and your ceiling rises with your business.

SME Working Capital,
your questions.

Up to ₦15 million. Your actual limit depends on your business’s cash flow and repayment capacity, which we review when you apply.