Licensed by the Central Bank of Nigeria

Flexible Business Loans for Nigerian SMEs

Access the tailored financing your business needs to seize new opportunities and thrive
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Trusted by businesses you know

Why get a Credit Direct Business Loan?

Whether for regular business operations or a big contract, get financing that matches your business need.
Competitive interest rates, fast approvals, no collateral required.
Approved loans are disbursed straight into your Credit Direct Business account, ready to use.
Automated repayments come from your business wallet or the proceeds of the deal being financed.
A dedicated relationship manager available to support you with your loan applications.
Apply for a business loan

4 ways to finance your business

Whatever your business type, size or need, there's a loan facility for it with Credit Direct Business.

Best for operations & equipment

Term Loan

Working capital to run day-to-day operations or buy equipment. Get the cash your business needs and repay in steady instalments from your business wallet.

What you'll need
  • CAC certificate,
  • Director's ID + BVN,
  • 12 months' bank statements,
  • Utility bill,
  • Signed direct debit mandate
Best for retailers & traders

Stock Financing

Finance the inventory you need to sell. Get funds to purchase stock or goods for resale, and repay from your sales proceeds.

What you'll need
  • CAC certificate,
  • Director's ID + BVN,
  • 12-month bank statement,
  • Utility bill,
  • Signed direct debit mandate,
  • Supplier details & product list
  • Invoice for the goods,
  • Warehouse address & stock evidence
Best for suppliers with purchase orders

LPO/Contract Financing

Fund the orders or contracts you've already won. Have a purchase order or contract secured, but need capital to deliver? We finance execution, and you repay when your buyer pays on order/contract delivery.

What you'll need
  • CAC certificate,
  • Director's ID + BVN,
  • 12 months' bank statements,
  • Utility bill,
  • Signed direct debit mandate,
  • Signed awareded contract or Purchase order (LPO),
  • Invoice for the goods,
  • Cost breakdown,
  • Buyer domiciliation letter
Best for long payment terms

Invoice Discounting

Get paid now, not at maturity. Unlock the cash tied up in invoices your buyer has already accepted, instead of waiting for the payment date.

What you'll need
  • CAC certificate,
  • Director's ID + BVN,
  • 12 months' bank statements,
  • Utility bill,
  • Signed direct debit mandate,
  • Accepted invoice (buyer-acknowledged),
  • Buyer domiciliation letter

Here's how it works

From application to funds in your wallet, in four simple steps.

Step 1

Apply online

Log in to Credit Direct Business, choose a facility, and tell us how much you need and what for.

Step 2

Share your details

Verify your business, add your bank statements, and upload the documents for your chosen facility.

Step 3

Get a decision

Our team reviews your application and comes back with a decision and clear next steps.

Step 4

Accept & get funded

Accept your offer, set up your repayment mandate, and receive your funds in your business wallet.

Built For Businesses Like Yours

Every business has moments that define its next chapter. With working capital loans, daily returns, and seamless payments in one place, Credit Direct Business makes sure you're always ready for yours.
Sign up for Credit Direct Business

Sell more. Sell faster.Credit Direct Checkout.

50

%

Increase in Conversion Rates

50

%

Increase in Conversion Rates

20

%

Increase in Conversion Rates

25

%

Decrease in Customer Acquisition Cost

Frequently asked questions about Credit Direct Business Loans

Can I apply if my business has no prior history on Credit Direct Business?

Yes, your current bank statement history, CAC registration, and supporting documents are what will be assessed to determine eligibility.

What happens if my application is declined?
  • Loan rejections are dependent on your risk profile.
  • It simply means you need more supporting documents, or you do not qualify for the amount you requested.
  • You are welcome to strengthen your application and reapply when your eligibility improves.
Do I need collateral for every product?
  • Not always. Term loans may require collateral or a guarantor, depending on the amount and risk profile.
  • LPO/Contract Financing and Invoice Discounting use domiciliation of proceeds as the primary control rather than traditional collateral.
  • Stock Financing is secured against the purchase transaction and expected resale proceeds.
How long does it take to get funded?

From application to disbursement, the target is within one to two business days. Once your offer is accepted, funds are deposited directly into your Credit Direct Business wallet.

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