Grid Finance is multi-tenant financial infrastructure. Any business, a bank, a fintech, a cooperative, an SME, can launch lending, savings, and digital Ajo or Esusu products under its own brand, in days rather than years.
Active loans
₦3.1M +4%
Payout sent — ₦240,000
Round 4 of 8 · Balogun Traders Circle
Contribution received — ₦5,000
Adaeze N. · Daily Ajo
Every day, millions of Nigerians save in Ajo and Esusu circles, borrow from cooperatives, and hand thrift collectors money that never touches a bank. That trust is real. The tools around it aren't. Grid Finance gives any business the rails to formalize, protect, and scale that trust digitally.
Grid Finance's Lending as a Service covers everything you need to originate, disburse, manage, and collect loans across web, mobile, USSD, and API, all under your own brand.
Configurable credit scoring, KYC/BVN/NIN verification, and decisioning rules built for the Nigerian credit landscape.
Direct debit, card, bank transfer, and USSD repayment channels that meet borrowers where they are.
Design payday loans, asset finance, SME loans, or salary-backed credit — all from one dashboard.
Built-in blacklist checks, CBN-aligned reporting, and credit bureau connections that keep your book clean.
Grid Finance's Savings as a Service lets you launch fixed, flexible, and goal-based savings products. Fully branded, fully compliant, and connected to the same infrastructure powering your lending.
Customers save toward school fees, rent, inventory, or business growth — with locked or flexible plans.
Recurring debits, standing orders, and wallet top-ups that make saving effortless.
Set your own interest rates, bonuses, and loyalty rewards to keep customers saving longer.
Customers watch their balance grow. You watch your liquidity grow. Same dashboard.
For generations, Ajo, Esusu, and Adashi have run on trust, a notebook, and a collector who shows up every day. Rounds takes that same rotating contribution model — the one market women, artisans, and traders across Nigeria already know and use — and makes it digital, transparent, and impossible to disappear with.
Learn more about Rounds
Members join a round, contribute on a set schedule, and receive payouts in rotation. No notebooks, no guesswork.
Every contribution and every payout is logged and visible to the whole circle in real time.
A five-person family circle or a five-hundred-member trade association. Rounds scales either way.
Cooperatives and thrift collectors get automated reconciliation, defaulter tracking, and digital records — without losing the community feel that makes Ajo work in the first place.
This is the circle Rounds digitizes. The same traders, the same trust, now with a ledger nobody can dispute.
Grid Finance was built multi-tenant from day one. Your business — and every other business on Grid Finance — runs on its own isolated, independently branded instance of the same infrastructure.
Customers see your logo, your colors, your domain. They never need to know Grid Finance is underneath.
Interest rates, loan terms, savings plans, Rounds structures: you set them, independent of every other tenant on the platform.
Every tenant runs on the same secure, compliant, constantly improving infrastructure, while customer data stays fully separated and protected.
Add lending, savings, or Rounds whenever you're ready. No new platform. No new vendor to onboard.
Launch at a fraction of what it would cost to build your own core banking, lending, and savings stack from scratch.
Go from signup to your first customer transaction in days — not the twelve to eighteen months it takes to build in-house.
Rounds isn't a foreign fintech feature bolted onto local behavior. It's built around Ajo and Esusu as Nigerians actually practice them.
KYC, BVN/NIN verification, and CBN-aligned reporting come built into every product, so you scale without scaling your compliance risk.
A Nigeria-based team that understands your customers, your regulators, and your market. Not a ticket routed overseas.
Skip the eighteen-month infrastructure build. Launch lending, savings, or Rounds and put your energy into growing your customer base.
Digitize the thrift, Ajo, and loan operations you already run — without disrupting the trust you've built with members.
Offer savings or credit at the point of sale and turn one-time buyers into repeat, loyal customers.
They just haven't had it in digital form yet.
Tenants onboarded
Processed in contributions and loans
Platform uptime
Local support
Grid Finance let us take our Esusu group digital in a week. Members trust it more than the old notebook ever earned, because now everyone can see everything.
Jane Doe
AB Microfinance Bank
Whether you're launching a lending business, a savings product, or digitizing your Ajo or Esusu group, Grid Finance gives you the infrastructure to do it under your own brand — faster and cheaper than building it yourself.
Multi-tenant financial infrastructure for Nigeria's lenders, savers, and thrift collectors.
Grid Finance is a financial infrastructure provider offering lending, savings, and contribution-circle technology to licensed and registered businesses operating in Nigeria. Grid Finance is not itself a lender, deposit-taking institution, or thrift collector, and does not directly offer financial products to end consumers. All lending, savings, and Rounds products are issued and operated by the individual tenant businesses using the Grid Finance platform, in line with applicable CBN regulations. This copy is provided for informational and marketing purposes and should be reviewed by legal and compliance counsel before publication.
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