For HR & Payroll

Your staff are already borrowing against next month's salary. Better it goes through you.

A benefit that also keeps people out of a loan shark's office.

When money runs out before the month does, employees find a way — an informal moneylender, a salary advance that becomes an awkward ask, or a debt they don't mention until it's a problem.

Grid Finance lets an employer or payroll platform offer salary-backed loans

and automatic savings as a benefit, with repayment tied directly to payroll — and HR never has to touch underwriting or collections to offer it.

What You Add

A benefit your payroll platform
gets credit for.

Salary-backed loans deducted at payroll

Repayment happens automatically at the source, so it never depends on someone remembering to pay.

Payroll savings plans

Employees direct part of each paycheck into a savings goal without a separate app or manual transfer.

HR sees status, not decisions

Enrollment and repayment visibility for HR — underwriting and credit decisions stay out of their hands entirely.

Works alongside your payroll system

Grid Finance adds the benefit; it doesn't ask you to replace the payroll software you already run.

How It Works

From payroll integration to first payout.

Connect payroll

Integrate via API so income and deduction data flows automatically each pay cycle.

Set the rules

Define eligibility, loan caps, and default savings amounts for your workforce.

Employees opt in

Employees apply for a loan or set a savings goal directly from your platform's interface.

Payroll handles the rest

Repayments and contributions deduct automatically at the next pay run — no chasing required.

For fintech

Talk to our team about
your fintech's lending roadmap.

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.

Products

Solutions

Company

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.