Our company, duly licensed as a Money Lender by the Lagos State Government, is a leading provider of financial solutions for Micro, Small, and Medium Enterprises (MSMEs) in Nigeria. We offer a comprehensive range of loan products which we have tagged as Now! Now! Now! Loans, tailored to meet the diverse needs of Micro, Small and Medium businesses across various sectors, with increasing focus (more than 60%) on female-owned organizations, while not excluding the male-owned organizations.

Key Features of Our MSME Loans

• Loan Amounts: We provide flexible financing options ranging from below N1 million up to N30 million, with the possibility of provision of higher loan amounts for repeat clients.
• Competitive Interest Rates: Our interest rates are competitive and customized depending on the client's profile and loan type.
• Quick Processing: We pride ourselves on efficient services, with loan disbursement guaranteed within 3 – 5 working days upon submission of all required documents.

• Flexible Collateral Options:We focus on innovative risk acceptance options including cashflow-based lending methodologies and other broad range of flexible collateral items thus ensuring that we accommodate different business situations.

Loan Types

We offer various loan products to cater to specific business needs:

• Working Capital Loans: To finance day-to-day operations and inventory purchases.
• Asset Finance: For acquisition of equipment, machinery, or vehicles essential for business growth.
• Contract Financing: To enable MSMEs meet with obligations related to their contracts.
• Industry-Specific Loans: Tailored financing for sectors such as agriculture (production, logistics, warehousing, ag-Tech, tractorization, food processing etc.), creative industries (fashion and beauty, manufacturing (micro and mini-processing), oil and gas, telecommunications, and Fast-Moving Consumer Goods (FMCG) distribution. Other sectors are also included.

Eligibility Criteria

• Businesses must have been operational for at least one year, although we will explore unique opportunities for businesses less than one year old.
• Demonstrate good cash flow and turnover.
• Maintain a business account with a commercial, microfinance or FinTech organization (minimum 3 months of transactions).
• Provide necessary documentation, including business profiles, bank statement of accounts and financial statements (where applicable).

Value-Added Services

In addition to financial support, we offer:

• Business advisory services to help MSMEs grow and manage their operations effectively.
• Access to networking events and workshops for skill development and market expansion.

Our mission is to empower Nigerian MSMEs by providing accessible, affordable, and flexible financing solutions that drive economic growth and job creation. We understand the challenges faced by small businesses and are committed to being a reliable partner in their journey towards success.

Please send an email to info@springtyde-renee.com