Configurable enough to be yours. Solid enough to pass an audit.
A "full lending business" means origination and underwriting, disbursement, collections, and reporting — not just an approval screen. Grid Finance covers all four, end to end, across web, mobile, USSD, and API, with
every borrower's KYC, BVN, and NIN verification handled before a naira moves.
Configurable credit scoring, KYC/BVN/NIN verification, and decisioning rules built for the Nigerian credit landscape — set your own risk tiers and approval thresholds per loan product instead of accepting one fixed model.
Direct debit, card, bank transfer, and USSD repayment channels that meet borrowers where they are, including borrowers without a smartphone.
Design payday loans, asset finance, SME loans, or salary-backed credit — all from one dashboard, without a separate build for each product line.
Real-time portfolio-at-risk tracking and CBN-aligned reporting formats, so an audit pulls from a system built for it instead of a spreadsheet assembled the week before.
Most borrowing in Nigeria doesn't start with a loan app — it starts at a market stall, a shop counter, a salary that lands mid-month short. Grid Finance's channels are built for that reality, not around it.
USSD-first design — approval and disbursement without a smartphone or data plan.
Point-of-sale credit — offer financing at the exact moment a customer needs it.
Alternative data scoring — decision borrowers with thin or no credit-bureau history.
Define loan types, interest rates, tenors, and decisioning rules from your dashboard — no code required.
Borrowers apply on your branded web, mobile, or USSD channel. KYC, BVN, and NIN checks run automatically.
Approved loans hit borrower accounts by bank transfer or wallet, logged and reconciled in real time.
Direct debits and USSD repayments flow in on schedule. CBN-aligned reports are one click away.
Coming Soon...
Coming Soon...
Coming Soon...
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Launch payday loans, SME credit, asset finance, or salary-backed lending under your own brand — on infrastructure that already speaks CBN.
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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