Daily
01
Daily Loans
Short-term, quick-turnaround funds — perfect for market traders and small business owners who earn daily.
- Same-day disbursement
- Repay daily
- Minimal paperwork
- From ₦50,000
Licensed lender · Nigeria
Your best Option for your financial breakthrough.
Whether you need quick cash to manage daily expenses or long-term financing to grow your business, we structure loans around your life — not the other way around. We combine local knowledge with disciplined credit to move at the pace of your business, not against it.
- From
- ₦50K
- Up to
- ₦50M
- Approval
- < 3 days
Flexiblerepayment plans
Fastdisbursement
Transparentno hidden fees
Securetop-grade protocols
Loan products
Tailored loan solutions for every stage of life and business.
From ₦50,000 market-day cash to ₦50,000,000 growth capital, our product mix is engineered around real Nigerian cash flows — daily, weekly, monthly, asset-backed and LPO structures.
Weekly
02
Weekly Loans
Slightly longer terms with manageable weekly repayments. Ideal for growing SMEs and retail businesses.
- Weekly schedule
- SME-friendly limits
- Fast approval
- Business-focused
Monthly
03
Monthly Loans
Longer-term financing with predictable monthly repayments — for salaried individuals and established business owners.
- Extended tenure
- Higher ceilings
- Predictable schedule
- Up to ₦50,000,000
Car-backed
04
Car-backed Loan
Park your car and get quick cash. Use your vehicle as collateral to unlock instant funds while we keep it safe — drive off the moment you settle.
- Park your car, get instant cash
- Secure, insured storage
- Flexible repayment plans
- Reclaim your car on full repayment
LPO
05
LPO Financing
Won a contract but short on cash to execute it? We fund your Local Purchase Order so you can supply and deliver on time.
- Funding against confirmed LPOs
- Supplier payments handled
- Repay from contract proceeds
- Up to 1 – 6 months
How it works
From application to disbursement in four simple steps.
1
Apply online
Complete our short online form in under 5 minutes — no fees, no mandatory account opening required.
2
Get a call back
A relationship manager calls within one business day to understand your needs and cash flow.
3
Submit documents
Share your basic KYC and business documents digitally — our credit team reviews the same day.
4
Receive funds
Approved facilities are disbursed to your account, typically within 72 hours of complete documentation.
Why choose us
We listen first. Then we finance.
A dedicated team is with you at every step of your financial journey — from your first enquiry to full repayment and beyond.
Flexible Repayment
Daily, weekly, or monthly — choose what works.
Fast Processing
Quick disbursement, typically under three working days.
Transparent Terms
No hidden charges. What you see is what you get.
Tailored Solutions
We listen first, then finance.
Secure Transactions
Top-grade security protocols throughout.
Community-Oriented
We grow with the people around us.
10K+Loans disbursed
₦4B+Capital deployed
72hAvg. turnaround
98%Client retention
Who we serve
Built for the people who keep Lagos working.
Market traders, salaried professionals, contractors and growing SMEs each earn differently — so each deserves a facility that repays differently. Here is who we finance most often, and how we structure their money.
Market traders
Daily earners & market traders
You buy stock in the morning and sell through the day. You need working capital that arrives fast and repays in small daily bites that never stall your table.
Best fit · Daily Loans
Salary earners
Salaried professionals
You earn a predictable monthly income and need a facility for rent, school fees, medical bills or a personal project — repaid comfortably from your pay cycle.
Best fit · Monthly & Salary Loans
SMEs
Growing businesses & suppliers
You are fulfilling bigger orders, hiring staff or restocking at scale, and you need capital sized to a contract or a season rather than a single day.
Best fit · Weekly, Business & LPO
Responsible lending
Trust & transparency
Clear terms. Protected data. No surprises.
Before a naira leaves our account, you receive a written offer letter that states the exact amount, tenure, repayment schedule and total cost of the facility. Nothing is added later, and nothing is buried in small print.
- Written offer letter. Every fee, every date and the total repayable amount stated up front before you sign.
- No application fees. We never ask for money to process, review or "unlock" a loan decision.
- Data handled carefully. Your documents are stored securely and used only to assess and service your facility.
- Affordability first. We size instalments against real cash flow so repayment never strangles your business.
Client stories
The results our customers talk about.
Restocked shops, hired staff, rescued contracts — real outcomes from businesses we financed across Lagos.
Option Financial funded my restock in under 48 hours. My market stall doubled its weekly turnover.
A relationship manager actually understood my business. The monthly loan let me hire two more staff.
The car-backed loan saved my contract. I dropped my car in the morning and had cash by evening.
FAQs
Answers, up front.
How much can I borrow?
Minimum ₦50,000 and up to ₦50,000,000, depending on repayment capacity.
What types of loans do you offer?
Business, Salary, Daily, Weekly, Monthly, Car-backed loans (park your car and get quick cash) and LPO Financing.
What are the requirements?
A business located in Lagos that has operated for a specific period.
How long does approval take?
Typically less than 3 working days once documentation is complete.
What is your interest rate?
Competitive — depends on the loan amount and structure.
Do I need to open an account?
No. Just fill the online form and our team will contact you.
Let's build your financial future — together.
Get in touch today. Speak to a real person, get a real answer — and a facility structured around your actual cash flow.