Products

A loan for every stage of business

Four loans, one app — from quick working capital for a market stall to multi-million-naira SME funding. Pick the one that fits and apply in minutes.

Microbusiness loan

For small traders and microbusinesses that need quick working capital.

₦200K – ₦5M

Loan size

from 4%
per month

Tenor30–180 days · weekly

Charges4.5% upfront + insurance

What you need A trade business with existing stock Daily turnover from ₦20,000 A nearby business guarantor

SME loan

For established SMEs funding working capital, assets, or expansion.

Above ₦5M

Loan size

from 3%
per month

RepaymentMonthly

Charges5% fees + insurance

What you need 3+ years in the same business 12-month bank statements Collateral and two guarantors

Overdraft

For businesses with regular inflows that need a flexible buffer.

₦5M – ₦30M

Revolving limit

7.5%
per month used

TenorUp to 4 months · revolving

Charges5% upfront + insurance

What you need 5+ years of business activity 12-month bank statements Collateral and two guarantors

Salary loan

For salary earners with a steady monthly income.

By affordability

No fixed limit

5%
per month

TenorUp to 10 months

ChargesInsurance + 1% collateral

What you need 6+ months with your employer Repayment under 40% of pay A colleague as guarantor

All rates are monthly. Loan amounts are indicative — NeoCash confirms the final amount, pricing, and security at application.

Join NeoCash today and grow your business

Apply in 5 minutes. Funds in days, not weeks.