Unlock Higher Amounts with Asset-Backed Loans
Use your property, vehicles, equipment, or investments as collateral to access up to ₦50M at rates from 2.5%/month. Fast approval, flexible terms up to 36 months.
Simple Process
How It Works in 4 Steps
Submit Application
Complete the online form with your details and the asset you'd like to use as collateral.
Asset Valuation
Our team conducts a professional valuation of your collateral to determine the maximum loan amount.
Approval & Agreement
Receive quick approval and sign the loan agreement with transparent terms and conditions.
Funds Disbursed
Get funds transferred to your account within 24 hours of signing the agreement.
Why Choose Us
Benefits of Collateral Loans
Accepted Assets
What You Can Use as Collateral
Real Estate
Residential & commercial properties, land
Vehicles
Cars, trucks, motorcycles, fleet vehicles
Machinery & Equipment
Industrial machines, generators, construction equipment
Investments
Treasury bills, bonds, shares, fixed deposits
Requirements
What You'll Need
Our collateral loan process is straightforward. Prepare these documents for a smooth application:
- Valid government-issued ID (National ID, Driver's License, or International Passport)
- Proof of ownership of collateral asset
- Proof of address (utility bill not older than 3 months)
- Bank statements (last 6 months)
- Passport photographs
- Business registration documents (for business owners)
FAQ
Common Questions
1What types of collateral do you accept?
We accept residential and commercial properties, vehicles, machinery & equipment, and investment instruments like treasury bills and bonds.
2How much can I borrow against my collateral?
Typically up to 70% of the forced sale value for property, and up to 60% for vehicles and equipment. Investment instruments may allow up to 80% of market value.
3How long does the valuation process take?
Property valuations take 2-3 business days. Vehicle and equipment valuations can be completed within 24 hours. Investment instruments are valued same-day.
4What happens to my collateral during the loan term?
You retain possession and use of movable assets (vehicles, equipment). For property, you continue to occupy it. We register a legal charge/lien to secure our interest.
5Can I repay early without penalties?
Yes, early repayment is allowed with no prepayment penalties. You only pay interest for the period the funds were utilized.
6What happens if I default on the loan?
We work with borrowers to restructure where possible. As a last resort, the collateral may be realized to recover the outstanding amount per the loan agreement terms.
Unlock the Value in Your Assets Today
Get the funding you need with competitive rates and flexible terms. Our team is ready to guide you through the process.