Fast, safe and affordable funds for you and your business
Loans from ₦200,000 to ₦25,000,000 approved in minutes. Download NeoCash and unlock your potential.
Flexible, affordable and fair loan terms
Fast
Loans from ₦200,000 to ₦25,000,000. Applying takes 5 minutes.
No hidden charges
Loan terms from 61 days to 1 year. No late fees, no upfront charges.
Fair interest rates
Rates from 2.5% to 5%, based on your risk assessment.
Hassle-free
All we need is a bank statement and a healthy credit history.
Three steps to funding
Apply
Download the app and fill in your details. It takes about 5 minutes.
Verify
We verify your business and information. This takes 2–3 business days.
Get funds
Money lands in your account. Use your NeoCash funds to grow your business.
Don't take our word for it
"The application process was seamless and the customer service top-notch. Disbursement is instant once you complete registration."
"Their interest is very low and their process is seamless. Love it."
"Superb experience — thanks for being there at all times. I strongly recommend NeoCash for salary earners and business owners who want to grow."
Sell more. Get paid upfront.
Add Pay Small Small with NeoCash to your checkout. Your customers pay in instalments — you collect the full amount on day one, settled to your bank within 24 hours.
Frequently asked questions
It depends on the product. Salary earners borrow based on affordability, with repayments kept under 40% of your pay. Business loans are sized on your turnover and working capital — from ₦200,000 on Spark up to several million naira on Scale. NeoCash confirms your exact limit after a quick assessment.
Yes, you can. Our Spark loan is built for traders and microbusinesses — it needs a trade business with existing stock and a bank statement showing regular daily turnover, not payslips.
Salary earners: proof of employment and regular salary — a staff ID card, employment letter, or salary account statement. Business owners: proof your business is running — usually a bank statement is enough.
At this time, we only lend to Lagos State residents.
Join NeoCash today and grow your business
Apply in 5 minutes. Funds in days, not weeks.