Your engineers shouldn't be rebuilding a loan ledger. They should be shipping your app.
Most fintechs already have the users, the wallet, maybe a card. What they don't have is twelve to eighteen months to build loan origination, underwriting, collections, and regulatory reporting in-house — or the compliance hire to run it once it's built. Grid Finance sits underneath your product as infrastructure,
fully white-labeled, so lending or savings ships as a feature inside your app instead of a separate build.
API-first, with webhooks for loan status, disbursement, and repayment events, so your app stays the system of record your users already trust.
BVN and NIN verification with configurable scoring rules, instead of a credit model built for a market with a functioning credit bureau.
Direct debit, card, bank transfer, and USSD, so repayment doesn't depend on a user having a smartphone or a card.
CBN-aligned reporting and audit trails built in, so an audit pulls from a system already structured for it.
Payday, SME, asset finance, or salary-backed credit — originate, disburse, and collect under your brand.
Explore LendingThe culturally-native wedge product no foreign stack offers — digital Ajo and Esusu your market already understands.
Explore RoundsFixed, flexible, and goal-based savings that deepen engagement and fund your lending flywheel.
Explore SavingsEvery sprint spent on ledger reconciliation or KYC plumbing is a sprint not spent on the features that make your product worth switching to. Grid Finance's API gives your team back that time.
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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