Questions, answered plainly

You must be 18 years or older and a Nigerian. Business facilities also require a registered business with a trading history. All facilities are subject to our terms and conditions.

Your BVN, proof of salary or self-employment, recent bank statements, and financial records for the business. We will tell you if anything else is needed before we start the assessment.

Our standard commercial rate is 5% flat per month on the original principal, plus a 1% one-off management fee. Your exact monthly repayment and total cost are confirmed during the application and set out in your offer letter before you sign.

A complete application receives a written decision within 48 working hours. Disbursement follows offer acceptance and documentation.

Yes. You can repay fully or in part before maturity without penalty, and doing so strengthens your credit credibility with us.

EmpowerHer is our financing and business-support programme for women-owned businesses in Lagos. Selected entrepreneurs receive up to ₦5 million at 20% per annum, plus mentorship, capacity building and networking.

Women who own and run a business registered in Nigeria and operating in Lagos State, with at least 12 months of trading, who need funding to scale and are committed to the training and mentorship sessions.

You place a fixed amount for a fixed tenor at a rate agreed up front. Your certificate states the maturity date and the exact amount payable. Interest can be taken quarterly or at maturity.

Indie Finance Company is licensed and regulated by the Central Bank of Nigeria (CBN) as a finance company.

Our office is at Suite C16/17, Plot 1 & 2 Lennox Mall, Admiralty Way, Lekki Phase 1, Lagos. We are open Monday to Friday, 8:00am to 5:00pm.

Email [email protected], call +234 907 700 1234, message us on WhatsApp, or ask Indie, the assistant on this site.