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Our Products
Finance built to
move you forward.
A product suite designed around the real financial needs of Nigerian individuals and SMEs — credit that's fast and savings that grow.
Loans
Capital that moves
as fast as you do.
Approval is within 24 hours upon receipt of all required documents. Funds will be disbursed into your preferred account.
₦20M
Maximum loan amount
24hrs
Typical decision time
11
Loan products available
SME Working Capital
Finance for businesses that need credit to augment working capital covering operations, inventory, and day-to-day cash flow gaps for SMEs and corporates of all sizes.
Loan Amount
₦1,000,000 – ₦20,000,000
Tenor
Up to 6 months
LPO Financing
Quick access to funds against confirmed Local Purchase Orders, improving cash flow to meet immediate business operational needs.
Invoice Discounting
Convert executed invoices into immediate cash flow. A verified repayment date from the LPO issuer is required to access this facility.
SME Fast Cash
Short-term bridge financing for HNIs, SME owners, and corporates to address immediate business needs — fast access when it matters most.
Orange Alternative Energy Financing
Affordable credit for homes, SMEs, and corporates to purchase, install, or expand renewable solar systems — cut your dependence on generators.
Distributor Finance
Financing for key and sub-distributors of major manufacturers/companies in the FMCG sector supporting product purchases for onward sale.
Savings & Investments
Grow your wealth,
your way.
Structured savings plans and investment products with competitive, negotiable returns payable upfront on selected products.
₦5K
Minimum to start saving
4
Savings products available
Save Wise
A structured target savings plan to help individuals achieve specific financial goals through disciplined periodic contributions. Interest payable upfront.
Fixed Deposit
A secure investment solution with competitive returns and professional fund management. Suitable for both short- and long-term investors seeking consistent growth.
Save My Rent
A targeted savings product to help customers systematically accumulate funds for rent payments, removing the annual housing payment stress entirely.
Kiddies Piggy Save
A children's savings account that encourages early financial discipline. Available to parents or guardians for children aged 0–17 years, saving interest.
Regulatory Standing
Regulated. Licensed.
Fully compliant.
SFCL operates under the full oversight of the Central Bank of Nigeria and complies with all applicable financial and data protection standards.
CBN Licensed
Duly licensed by the Central Bank of Nigeria as a finance house operating within the full regulatory framework of Nigeria's apex bank.
Central Bank of NigeriaFHAN Member
A proud member of the Finance Houses Association of Nigeria committed to the highest standards of professional conduct in the finance industry.
Finance Houses Association of NigeriaData Protection Compliant
All customer data is handled in strict compliance with Nigeria's data protection standards, as regulated by the Nigeria Data Protection Commission (NDPC); your information is always secure.
Nigeria Data Protection Commission