- SME Loans
Fuel Your Business Growth with Flexible SME Loans
Get access to funding of up to ₦2,500,000 to execute contracts, unlock cash flow, or fund working capital.
What We Offer
A Financing Partner That Understands Your Business
We combine speed, transparency, and flexible structures to help your business grow without unnecessary financial strain.
Built for Business Growth
Access structured financing that improves cash flow and positions your business for larger opportunities.
Transparent & Competitive Pricing
Benefit from clearly stated interest rates and fees no hidden charges.
Fast Approval & Disbursement
Loans are processed within 72 hours, with funds released directly to your account once approved.
Flexible Funding Structure
Choose a loan solution tailored to your contract value, invoice cycle, or investment position.
Up to 70% Contract Financing
Get substantial funding support to execute approved LPOs and contracts without cash flow pressure.
SME Loans
SME Loan Options
From contract funding to invoice discounting, Pay-Gap SME loans are designed to keep your operations running smoothly and profitably.
LPO Finance & Contract Supply
Power your contracts without cash flow stress. Pay-Gap Financials provides funding support for businesses executing approved Local Purchase Orders (LPOs) and supply contracts. We finance up to 70% of the contract value, helping you meet procurement demands, deliver on time, and grow your business capacity.
Interest rate: 5% flat per month
Management fee: 5% (one-time charge)
Transaction charge: ₦1 per mille
Requirements
To apply for a Pay-Gap Financials LPO finance & contract supply loan, you will need:
- Completed Pay-Gap Financials loan application form
- Formal application letter
- Approved LPO or contract award letter
- Valid means of identification
- Recent passport photograph
- Domiciliation of contract payment
Features and Benefits
Reasons why should choose this plan.
- Up to 70% contract financing to support procurement and supply execution
- Loans reviewed and processed within 72 hours after submission of complete documents
- Improved cash flow to support business continuity and expansion
- Instant disbursement to your nominated bank account
Invoice Discounting
Pay-Gap Financials offers invoice discounting to businesses that have completed contracted work and are awaiting payment. This facility enables you to convert outstanding invoices into immediate cash, allowing you to start or continue new projects without interruption.
Interest rate: 5% flat per month
Management fee: 5% (one-time charge)
Transaction charge: ₦1 per mille
Requirements
To apply for a Pay-Gap Financials Invoice discounting loan, you will need:
- Completed Pay-Gap Financials loan application form
- Formal application letter
- Recent passport photograph
- Approved LPO or contract award letter
- Certified copy of invoices
- Details of pledged security (if applicable)
- Audited financial statements
- Valid means of identification
- Assignment of contract proceeds
Features and Benefits
Reasons why should choose this plan.
- Short-term working capital against certified invoices
- Loan approval within 72 hours of complete documentation
- Instant disbursement to your nominated bank account
- Improved liquidity while awaiting contract payments
Cash-Backed Loan
Our cash-backed loan facility allows investors to access short-term funding using their existing investments as collateral. This ensures you maintain your investment returns while unlocking liquidity to support business or personal financial needs.
Interest rate: 5% flat per month
Management fee: 5% (one-time charge)
Transaction charge: ₦1 per mille
Requirements
To apply for a Pay-Gap Financials Invoice discounting loan, you will need:
- Completed Pay-Gap Financials loan application form
- Formal application letter
- Recent passport photograph
- Proof of existing investment
- Letter authorizing Pay-Gap Financials to use invested funds as collateral
Features and Benefits
Reasons why should choose this plan.
- No liquidation of investments required
- Quick access to funds for short-term needs
- Loan processing within 72 hours after document verification
- Instant disbursement to your nominated bank account
How It Works
Get Funded in Just a Few Simple Steps
Our streamlined process ensures fast review, quick approval, and timely disbursement so you can focus on running your business.
01.
Apply Online
Complete the loan application form in minutes
02.
Submit Documents
Upload required supporting documents.
03.
Review & Approval
Pay-Gap verifies your information.
04.
Get Funded
Funds are disbursed to your nominated account.
05.
Repayment
Structured repayment based on your agreement.
FAQS
Frequently Asked Questions
Find answers to common questions about our loans, investments, and application process.
What is the investment all about?
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What is the investment all about?
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What is the investment all about?
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What is the investment all about?
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What is the investment all about?
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Need quick access to funds?
Apply today and get the financial support you need, fast, secure, and stress-free.
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