Fund your vision. Fuel your growth.
Business capital from ₦100,000 to ₦5,000,000 for founders, traders, shop owners, and service providers. Grow on your terms with repayment that works around your cash flow.
₦5M
Maximum loan amount
24hr approval
Fast decisioning
12,000+ funded
Businesses funded
Built for Businesses That Move Fast
Scale without Limits
Up to ₦5M for established businesses. Scale your operations without constraint.
Flexible Repayment
Tenures from 3 to 18 months aligned with your revenue cycles.
Fast Disbursement
Large amounts disbursed within 24-48 hours. No weeks of waiting or delay..
Growth-Ready
Inventory, equipment, expansion, seasonal stock - use it where your business needs it most.
How to Get Your Capital
Apply & Get Approved Online in Minutes
Complete your loan application on our website in under 2 minutes. Get an instant decision — no paperwork, no branch visits, no wahala.
Download ZojaPay to Receive Your Funds
Your loan is approved and waiting. Download the ZojaPay app and complete the onboarding process your approved loan is ready to accessed.
Your Money. In Your Account. You’re Set
₦10,000 to ₦50,000 lands in your account. Check your balance, track repayment, and apply for your next loan all in one place.
Plan Your Capital
Configure your loan parameters in real-time. No surprises. See exactly what you'll receive and your estimated repayment schedule.
Estimated Monthly Repayment
₦516,667
Repayment Schedule Preview
Who is Eligible?
Active business operation
6+ months (formal or informal)
Transaction history
Bank or mobile money statements
Valid government-issued ID
Required for verification
Proof of business activity
Formal registration is accepted
Minimum monthly revenue
₦200,000 threshold
No active loan defaults
Clean credit history required
Both registered businesses and informal traders welcome.
YOUR COMPLETE FINANCIAL TOOLKIT
Beyond Loans. Cards, Transfers, Bills - One App.
One app for everything apply for credit, pay your bills, send money, and spend anywhere with your Zoja card.
Your whole wallet, one tap away.
The Zojapay card works everywhere money moves - swipe at any POS terminal in Nigeria, pay on Amazon, Aliexpress, or any website worldwide, and freeze it in one tap if anything feels wrong.
Works at every POS Terminal in Nigeria.
Verve powered - shop globally.
Charged for your card delivery.
Your Money, Your Way
Secure Payment
Easy Delivery
Easy Control
Instant Transfer
Send money, in seconds
Send money anywhere in Nigeria. Instantly.
Transfer to any bank in Nigeria and it lands in under 10 seconds. Send to ZojaPay users at zero charges, 24/7.
Arrives in under 10 seconds
Any Nigerian bank supported
Free transfers to ZojaPay users
Got Questions?
Frequently Asked Questions
Up to ₦5,000,000 depending on your business profile and history.
Government ID, proof of business activity, and 3 months of bank/transaction statements.
We look at your trading history, cash flow, and repayment capacity - not just formal paperwork.
Yes, with no early repayment penalties.
Most approved applications receive funds within 24 hours.
Formal registration, trade license, market association membership, or informal trading history.