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, with 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.
Yes. Lending and deposit-taking sit in a highly regulated space, so Grid Finance is built for licensed, or actively licensing, financial institutions: Microfinance Banks, Cooperatives, licensed Lending Companies, and similar regulated entities. If your license is still in progress, you can still get started. Onboarding captures your regulator and expected licensing timeline, so you can set up your account and prepare to go live as your licensing process completes.
As fast as you are. Once your application is approved, going live is largely a function of your own readiness: how quickly you complete your compliance documentation, configure your products, and finish any integration work. Businesses with straightforward products and documentation in order are often live within days; more complex, multi-product setups naturally take a little longer.
Grid Finance supports the full range of repayment channels relevant across African markets: bank transfer, direct debit/auto-debit, card payments, mobile money, USSD (for customers without smartphones or reliable data), and cash collection through agent networks. This flexibility means your customers can repay however is most convenient for them, without you needing to integrate each channel separately.
Yes. Our underwriting engine is built to be configurable, so you can bring your own credit scoring rules, risk thresholds, and decisioning logic rather than being locked into a one-size-fits-all model. This lets you underwrite based on the realities of your specific customer base and market.
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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