Process
How borrowing works
Four stages. Completing the application form is free. Software never issues the loan on its own.
Stage 1
Talk first
Tell us what you need — by enquiry form, WhatsApp, or walking into the Ezza South or Abakaliki office. A credit officer has a preliminary conversation: who you are, why the money is needed, and whether a formal application is worth it.
Stage 2
Apply online, for free
Complete the free online form at your own pace. You will need your income and expenses, identity details, and two guarantors. Save and print your submitted application for your records.
Stage 3
Business and collateral check
Our team reviews your information and may arrange a visit to your home, business, or farm to verify details and inspect collateral. Any assessment fee is explained separately under the terms of operation.
Stage 4
Decision and, if approved, agreement
We aim to decide within 2 to 8 weeks, depending on your application. If approved, we explain your amount, repayment plan, interest, and fees before you agree. We may offer a lower amount or request more information. Approval is not guaranteed.