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WHY CHOOSE US
Everything you need to grow,
for you and your business.
Built from the ground up for Nigerian, fast, transparent, and entirely digital.
Quick Access to Funding
Get loan decisions quickly so you can act on business opportunities without delay. No endless waiting, no unnecessary red tape.
Designed for SMEs
Our financing solutions are tailored specifically to small and medium businesses, with products that reflect how Nigerian businesses actually operate.
Designed for Employees
Our financing solutions are tailored to meet the needs of salary earners at every level.
Flexible Repayment Options
Choose repayment structures that align with your cash flow and business patterns, so you're never caught off-guard.
Simple and Transparent
Get loan decisions quickly so you can act on personal and business opportunities without delay. No endless waiting, no unnecessary red tape.
CBN Regulated
Licensed by the Central Bank of Nigeria, your funds and data are protected under full regulatory oversight.
Loan Calculator
See your estimated terms
before you apply.
Enter your values to preview your repayment breakdown. No obligation, no credit check.
Total Interest
₦0
Total Payable
₦0
Monthly Repayment
₦0
* Indicative estimate only. Actual rates and terms are subject to credit assessment.
How It Works
Getting the Financing you
need seamlessly.
Five simple steps from application to funds in your account.
Preview Eligibility Checklist
Review our eligibility criteria to confirm you meet the basic requirements before starting your application.
Start Your Application
Provide basic personal and business details through our secure digital platform.
Submit Application
Choose your loan amount and tenor, then securely upload the required business documents.
Application Review
We review your application and documents to give you an update on your loan offer if eligible.
Accept & Get Funded
Review your loan offer, accept the terms, and get funded in 24-48 hours directly to your account.
Eligibility
Who can apply?
To qualify for financing, you must meet the following requirements.
Requirements
Be registered and operating legally in Nigeria
Business owner or directors must have a valid Bank Verification Number (BVN)
Have an active business bank account
Be in operation for at least 2 years
Provide all required identification and business documents
Documents to Provide
Business Registration Documents (CAC, Memart)
Company Profile
12-Month Statement of Account
6-Month Guarantor's Account Statement
Collateral
*Additional documents may be requested during credit assessment.
FAQS
Got questions?
We are here
to help.
Can't find what you're looking for? Reach out to us directly.
Still have questions?
Our team is available Monday - Friday, 8am-5pm WAT to help.
SFCL is a secure platform that allows individuals and businesses to access credit and loans seamlessly for various purposes. We are a CBN-licensed finance company based in Victoria Island, Lagos.
